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Are you paying too much for homeowners insurance in 31309? If the answer is yes, you are not alone. Luckily, we can help you find a great policy in Fleming, GA that provides all of the protection you need at a price that is affordable.

Our service doesn’t end with sending you quotes from 12 of the nations top insurance companies, our Georgia licensed agents will also advise you on every step of the process. They can review your coverage levels to make sure you are fully protected, answer any questions you have and perform a discount review.

Discounts are a major factor when shopping for insurance and can dramatically reduce your costs. Most insurers offer a variety of homeowners insurance discounts but here are few of the most common discounts in 31309?

  • Bundling: Buying home, auto and life from one insurer will result in a big discount. Details vary but expect savings of up to 25 percent.
  • Security System: Have a security system in your home or are installing one? You should qualify for a discount. Notify your insurer and ask for a home security system discount.
  • Paperless Policy: Getting your policy and bills via email instead of in the mail reduces cost for your insurer and they pass some of the savings on to you.

Our service is always free so get started today. Free 31309 home insurance quotes are just a click away. Simply click the "Get Multiple Quotes Now" button, verify your 31309 and get ready to save.

3 Easy Ways To Save Money In 31309

These three links will help you explore home insurance quotes in 31309 zip code as well as provide data about the average cost of a policy in your particular area. This information can be used to verify you are getting a great price on your new policy.

Get Your 31309 Home Insurance Costs Rated: high!

The average price for a homeowners insurance policy in Fleming is roughly $1060. This average is for a standard HO-3 policy, which is the industry standard for a single family home. While an HO-3 policy will protect your home and possessions while also offering liability coverage, it does not protect against flood or earthquake damage.

If you live in a flood zone, a separate flood insurance policy will be required. Our quoting process, combined with our agents local knowledge ensures that you will have the protection you need for your home.

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31309 Home Insurance Average Premiums

Local 31309 homeowners insurance quotes comparison

$810 /yr.

Shows Zip Code: 31309 lowest rates with discounts applied on average.

For the 31309, homeowners insurance rates may vary on deductible, coverage amount and property details. Below is a list of the averages based on the cost of an annual home insurance premium.

Coverage Amount:Annual Premium
1800 sq. ft. or below
(discounts applied)
$810 /yr.
Average Coverage:$1060 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1360 /yr.

What is the average home insurance cost for a home in 31309?

  • • The average homeowners insurance premium paid annually for a home in 31309 is around $1060 per year.

What does it cost on average per month for home insurance in 31309?

  • • Homeowners in 31309 pay a monthly average cost per month around $88.00.

What kind of discount could I get if I combine my home and auto insurance together in 31309?

  • • Autoowners in 31309 can receive a 20% to 25% discount if they own a home and would like to group or bundle their car and home insurance together with one insurance company.

For shopping home insurance rates within the Fleming area, check out other zip codes nearby 31309.
Review average rates in another zip code:
31309 homeowners insurance rates

Home Replacement Cost Coverage in 31309

Average Building Cost Per Square Foot in 31309: $122

Location: Fleming, Georgia (Liberty County)

Average Square Footage in 31309: 643 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 31309 before you start any project. Fleming 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 31309 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 31309 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 643 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 Fleming 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.

Home Improvement StatusPrice per Sq. Ft.Square FeetDwelling Coverage
Basic Home Features$122643$78,400
Additional Upgrades & Added Features$153643$98,000
Major Home Updates or Advancements$183643$117,600

It's important to understand that when you estimate your replacement cost of your home in the 31309 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.

Best Homeowners Insurance Agencies in 31309

Best Home & Auto Insurance Agencies in 31309

Housing Demographics for 31309

Population Review for 31309 Zip Code

For the city of Fleming, the population within 31309 has increased to over 1,022 residents in population size. The current population total is 951. We have broken down the population based on race below. In 31309, there are over 478 in male population and 473 females.

PopulationValues
Total Population951
White Population745
Black Population131
Hispanic Population52
Asian Population4
Hawaiian Population0
Indian Population1
Other Population11
Male Population478
Female Population473
Population Estimate1022

Household Data for 31309

The average number of homes in 31309 is around 350, there are an average of 2.72 per household. The average house value according to local real estate values is around $78,400. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode350
Persons Per Household2.72
Average House Value$78,400
Income Per Household$47240
Median Age45.1
Median Age Male44.5
Median Age Female45.8
31309 DetailsValues
StateGA
State Full NameGeorgia
City TypeN
City Alias Abbreviation
Area Code912
CityFleming
City Alias NameFLEMING
CountyLiberty
County FIPS179
State FIPS13
Time Zone5
Day Light SavingY
MSA
PMSA
CSA496
CBSA25980
CBSA_DIV
CBSA_TypeMetro
CBSA_NameHinesville, GA
MSA_Name
PMSA_Name
RegionSouth
DivisionSouth Atlantic
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses8
Number Of Employees189
Business First Quarter Payroll820
Business Annual Payroll3620
Business Employment Flag
Growth Rank56
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number1986
Growth Increase Percentage3.1
Metropolitan DetailsValues
CBSA Population77917
CBSA Division Population0
Congressional District01
Congressional LandArea7982.81
Delivery Residential376
Delivery Business15
Delivery Total444
Preferred Last Line Key015489
Classification Code
Multi-County
CSA NameSavannah-Hinesville-Statesboro, GA
CBSA_DIV_Name
City State Key015489
Land Area29.147000
Water Area0.017000
City Alias Code
City Mixed CaseFleming
City Alias Mixed CaseFleming
Box Count0
SFDU375
MFDU0
State ANSI13
County ANSI179
ZIP Intro
Alias Intro
Facility CodeN
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number127381
Unique ZIP Name
SSA State County Code11680
Medicare CBSA Code25980
Medicare CBSA NameHinesville, GA
Medicare CBSA TypeMetro
Market Rating Area ID14
County Mixed CaseLiberty

Georgia Homeowners Insurance News & Information

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    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 […]