Gavop's guide to buying homeowners insurance in Philema, GA covers how to get the right coverage, optimize deductibles, identify the best agents, understand claim requirements, avail discount options, compare cheap quotes and research reviews.
| Philema, GA - Neighbourhoods, Census Blocks & Streets | 3 Bedroom | 4 Bedroom | ||||
|---|---|---|---|---|---|---|
| Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | |
| 1st Rd, Maplewood Ct, Stock Dairy Rd, Winners Ct, Keyridge Dr, Paloma Dr, Ashburn Hwy, White Pond Rd, Middle Rd N, Harvey Rd | $110,500 | $100,000 | $125,000-$150,000 | $134,500 | $110,000 | $150,000-$175,000 |
| Pye Pond Rd, Cypress Ln, Kelly Ct, Woodstone Cir, Pine Lakes Cir, Akins Ln, Waterbury Ct, David Rd, Philema Rd S, Ragan St | $121,500 | $110,000 | $100,000-$125,000 | $200,500 | $190,000 | $175,000-$200,000 |
| Gates Rd, Medley Dr, 3rd Rd, Edgewood Way, State Rte 32, 2nd Rd, Laramore Rd, Coney Lake Rd, Edgelake Dr, Coston Rd | $108,000 | $100,000 | $75,000-$100,000 | $207,500 | $200,000 | $200,000-$250,000 |
| Creekview Dr, Pine Manor Dr, Crabapple Ct, Palmer Rd, Pine Lakes Dr, Gaman Ct, Mathis Ln, Twisted Pines Ct, Helen St, Tall Pines Dr | $133,500 | $120,000 | $100,000-$125,000 | $217,000 | $200,000 | $200,000-$250,000 |
| Conoly St, Darian Dr, Pineview Dr, Old Leslie Rd, Garrett Rd, Meadow Ct, Pine Summit Dr, Donald Rd, Travis Ln, Cobblefield Dr | $187,000 | $170,000 | $200,000-$250,000 | $250,500 | $200,000 | $200,000-$250,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$115 | $649 |
| Superior Protection Discount | -$76 | $687 |
| Fire & Security Discount | -$84 | $680 |
| Hail Resistant Roof Discount | -$23 | $741 |
| Newly Constructed Home Discount | -$168 | $596 |
| Low Deductible ($500) | High Deductible ($2500) | |||||
|---|---|---|---|---|---|---|
| Place | Example Claim Amount | Yearly Premium | Total Yearly Cost | Yearly Premium | Total Yearly Cost | Net Savings for High Deductible Plan |
| Lee County | $1,500 | $835 | $2,335 | $607 | $2,107 | $228 |
| Philema, GA | $1,500 | $754 | $2,254 | $548 | $2,048 | $206 |
| Arabi, GA | $500 | $637 | $1,137 | $463 | $963 | $174 |
| Rebecca, GA | $2,500 | $527 | $3,027 | $383 | $2,883 | $144 |
| Ty Ty, GA | $100 | $786 | $886 | $572 | $672 | $215 |
| Shellman, GA | $700 | $644 | $1,344 | $468 | $1,168 | $176 |
| Preston, GA | $100 | $404 | $504 | $294 | $394 | $110 |
| Irwinville, GA | $2,000 | $604 | $2,604 | $439 | $2,439 | $165 |
| Camilla, GA | $100 | $585 | $685 | $425 | $525 | $160 |
| Calhoun County, GA | $2,500 | $570 | $3,070 | $414 | $2,914 | $156 |
| Queensland, GA | $100 | $653 | $753 | $475 | $575 | $178 |
| Eldorado, GA | $1,500 | $655 | $2,155 | $476 | $1,976 | $179 |
| Home Insurance Company Philema, GA | Homeowners Insurance Agency Philema, GA | Address | Popularity Score | Distance from Philema (miles) |
|---|---|---|---|---|
| Allstate | Coley Insurance | 231 Broad St, Hawkinsville, GA, 31036 | 47.2 | |
| State Farm | Tim Thomas | 1800 North Slappey Boulevard, Albany, GA, 31701-1436 | 15.2 | |
| State Farm | Stuart Pate | 401 Park Ave, Sylvester, GA, 31791-1827 | 21.3 | |
| Travelers | Copelan Insurance Agency Inc | 2401 N Slappey Blvd, Albany, GA, 31701 | 14.7 | |
| Liberty Mutual Independent | Oneal Insurance Agency | 1109 Washington St Ste A, Perry, GA, 31069 | 49.8 | |
| Allstate | Reid Mathis | 1111 Whispering Pines Rd, Albany, GA, 31707 | 15.0 | |
| State Farm | Jake Goddard | 1224 Washington St, Perry, GA, 31069-2556 | 49.8 | |
| Travelers | The Farmers Agency Inc | 114 N Johnson St, Ashburn, GA, 31714 | 23.3 | |
| Travelers | Brown Detherage Insurors | 1607 B Highway 19 South, Leesburg, GA, 31763 | 13.7 | |
| Allstate | Southern Harvest | 101 N Broad St, Buena Vista, GA, 31803 | 46.4 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Georgia | $158,400 | $1,012 | $680 | $1,450 | $770 |
| Lee County, GA | $156,800 | $845 | $600 | $1,210 | $610 |
| Philema, GA | $132,400 | $764 | $530 | $1,050 | $520 |
| Arabi, GA | $83,400 | $645 | $460 | $910 | $450 |
| Rebecca, GA | $67,000 | $533 | $390 | $760 | $370 |
| Ty Ty, GA | $109,000 | $796 | $580 | $1,090 | $510 |
| Shellman, GA | $84,500 | $652 | $450 | $900 | $450 |
| Preston, GA | $51,100 | $409 | $280 | $580 | $300 |
| Irwinville, GA | $78,200 | $611 | $410 | $840 | $430 |
| Camilla, GA | $82,100 | $592 | $420 | $850 | $430 |
| Calhoun County, GA | $49,000 | $577 | $390 | $800 | $410 |
| Queensland, GA | $85,800 | $661 | $470 | $910 | $440 |
| Eldorado, GA | $86,100 | $663 | $440 | $910 | $470 |