30904 Home Insurance Rates & Premiums

Did you know there are over 24,145 people living within the 30904 zip code area? There are over 10,743 occupied dwellings which means many homeowners like you that are interested in lower premiums or better coverage options. At GetHomeInsuranceQuotes.com, we provide a free shopping services online or over the phone. Our process includes the following:

1. We will shop up to 12 home insurance companies for free.
2. We will apply all discounts and credits to help you save up to 40% or more.
3. We will answer any questions that you may.
4. We will review the best policy and coverage option in 30904.

Let us help you shop and compare rates today, just enter your zip code to get your free online home insurance quotes. Please give us a call now at 1-855-976-2656, and easily get up to 12 rates over the phone in minutes.

Average homeowners insurance premiums in Georgia are on the rise. The estimated average premium is around $1,070 a year for a standard homeowners insurance policy in Augusta. You can find out more information about home insurance premiums, discounts and crime rate information by clicking your city below.

City: Augusta, GA Homeowners Insurance Quotes Online

Average Building Cost Per Square Foot in 30904: $122

Average Square Footage in 30904: 1,189 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 30904 before you start any project. Augusta homeowners pay on average around $122 per square foot to build a home. Another great reason to know the average cost to build is for your homeowners insurance policy. A standard homeowners policy will help you cover the replacement cost of your home due a fire or any other named perils on your policy. Calculating your dwelling coverage for your home in 30904 is extremely helpful when estimating how much replacement cost coverage you need. We highly recommend that you have enough dwelling coverage to rebuild your home if it was destroyed by a covered peril.

Here is how you determine your replacement cost. If we take an average home in 30904 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,189 sq. ft. and the average cost to rebuild the home in this area is around $122 per square foot would be considered a base estimate cost. These two numbers would allow us to generate the replacement cost needed for an average size home in the Augusta area. If the home is new or has been upgraded, you will want to add $50 to $100 or more per square foot to equally cover the replacement cost to restore a home back to it's original condition.

It's important to understand that when you estimate your replacement cost of your home in the 30904 zip code area, it will be the cost to replace the structure of your home, not the additional value of the property that is factored in when purchasing a new home.

Allstate Insurance - Cozette R Watkins

Brantley- Hoke N - State Farm Insurance Agent

Kyzer Jr- Braddock K

Allstate Insurance Companies

Blanchard Whit Insurance Agency

Household Data for 30904

The average number of homes in 30904 is around 10,743, there are an average of 2.19 per household. The average house value according to local real estate values is around $145,100. Please review the following demographics below for average income and media age.

• Homeowners Prepare for Rate Increases Later This Year Posted on Monday 27th June, 2022

  In most states, home insurance rates are headed up this year and homeowners should be prepared for further rate increases before the end of the year. According to a recent S&P Global Market Intelligence report, over 177 insurance carriers have filed requests for rate increases in 43 states, Arizona alone has seen 34 rate increase requests. […]

• Hurricane Isaias is on the same track as Hurricane Dorian – What can we expect? Posted on Wednesday 5th August, 2020

  Hurricane Isaias is on roughly the same track as Hurricane Dorian and is the first hurricane to hit the Bahamas since Dorian stalled over the islands as a Category 5 monster killing dozens of people and causing massive destruction.  Here is a quick overview of both storms as well as a few tips on how […]

• Georgia Coastal Home Insurance Coverage & Rates Posted on Wednesday 2nd October, 2019

  Windstorm insurance is not a required coverage in Georgia, but if you live on the coast, it is certainly an insurance you should consider. In many coastal areas your mortgage lender will require that you carry a windstorm policy to make sure your home (and their investment) is full protected. Windstorm policies are designed to […]