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Home Insurance in 31409

One of the best ways to save money on your homeowners insurance policy in the 31409 zip code is to shop your coverage on a regular basis. If your premium has been headed up in the last few years, we can help you find a great policy from the comfort of your own living room. is the easiest way to shop for competitive homeowners insurance rates in in Savannah, GA. A few clicks of the mouse and we will show you quotes from up to 12 nationwide carriers who are happy to compete for your business.

As always, our service is free and our Georgia licensed agents can advise you on the coverages you need as well as the coverage levels you should be carrying to fully protect your property and possessions. They will also be happy to answer any questions you may have and explain the details of your homeowners insurance coverage.

Getting started is easy, simply click on the "Get Multiple Quotes Now" button at the top of the page, verify your 31409 zip code and you are ready to start saving on home insurance.

Quickly Compare Rate Quotes for 31409

Find Savannah, GA Homeowners Insurance Quotes to review the best coverage options in your area.

Information on the Average Homeowners Premiums in 31409

According to industry data, homeowners located in Savannah pay roughly $1014 per year for a HO-3 homeowners policy. A HO-3 policy is considered the standard when it comes to homeowners insurance. It offers protection for your home, possessions, loss of use as well as liability protection. If you have a mortgage on your property, your lender will require an HO-3 policy is in place to protect their loan.

Remember, an HO-3 policy does not offer coverage for flood damage in 31409 zip code. If you live in a high-risk area for flood damage, your lender will most likely require that you carry a separate flood insurance policy. Our agents can help you determine if you need flood insurance coverage and help you find a policy that fully protects your property.

A recent ranking of Georgia home insurance premiums found that premiums in 31409 are 15 when compared to other state averages. Shopping your coverage on a regular basis is the best way to ensure you are getting the best price on a homeowners policy.

Start Shopping 31409 Home Insurance Quotes Right Now!

The best part of our job is helping homeowners save money on their homeowners insurance while also educating our clients on the different types of coverage available to them in 31409.

Let us find you a great policy at an affordable price, get 31409 homeowners insurance quotes now.

31409 Home Insurance Average Premiums

Local 31409 homeowners insurance quotes comparison

$764 /yr.

Shows Zip Code: 31409 lowest rates with discounts applied on average.

For the 31409, 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)
$764 /yr.
Average Coverage:$1014 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1314 /yr.

What is the average home insurance cost for a home in 31409?

  • • The average homeowners insurance premium paid annually for a home in 31409 is around $1014 per year.

What does it cost on average per month for home insurance in 31409?

  • • Homeowners in 31409 pay a monthly average cost per month around $85.00.

What kind of discount could I get if I combine my home and auto insurance together in 31409?

  • • Autoowners in 31409 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 Savannah area, check out other zip codes nearby 31409.
Review average rates in another zip code:
31406 homeowners insurance rates
31411 homeowners insurance rates
31408 homeowners insurance rates
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31405 homeowners insurance rates
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31404 homeowners insurance rates
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31419 homeowners insurance rates
31410 homeowners insurance rates

Home Replacement Cost Coverage in 31409

Average Building Cost Per Square Foot in 31409: $122

Location: Savannah, Georgia (Chatham County)

Average Square Footage in 31409: 1,352 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 31409 before you start any project. Savannah 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 31409 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 31409 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,352 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 Savannah 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$1221,352$165,000
Additional Upgrades & Added Features$1531,352$206,250
Major Home Updates or Advancements$1831,352$247,500

It's important to understand that when you estimate your replacement cost of your home in the 31409 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 31409

Best Home & Auto Insurance Agencies in 31409

Housing Demographics for 31409

Population Review for 31409 Zip Code

For the city of Savannah, the population within 31409 has increased to over 0 residents in population size. The current population total is 670. We have broken down the population based on race below. In 31409, there are over 614 in male population and 56 females.

Total Population670
White Population523
Black Population37
Hispanic Population81
Asian Population8
Hawaiian Population6
Indian Population10
Other Population44
Male Population614
Female Population56
Population Estimate0

Household Data for 31409

The average number of homes in 31409 is around 10, there are an average of 7.30 per household. The average house value according to local real estate values is around $165,000. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode10
Persons Per Household7.30
Average House Value$165,000
Income Per Household$0
Median Age23.3
Median Age Male23.4
Median Age Female23.1
31409 DetailsValues
State Full NameGeorgia
City TypeZ
City Alias Abbreviation
Area Code912
City Alias NameSAVANNAH
County FIPS051
State FIPS13
Time Zone5
Day Light SavingY
CBSA_NameSavannah, GA
MSA_NameSavannah, GA MSA
DivisionSouth Atlantic
Economic & Growth ReviewValues
Number Of Businesses29
Number Of Employees220
Business First Quarter Payroll2489
Business Annual Payroll9966
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population347611
CBSA Division Population0
Congressional District01
Congressional LandArea7982.81
Delivery Residential0
Delivery Business1
Delivery Total1686
Preferred Last Line KeyX11114
Classification CodeP
CSA NameSavannah-Hinesville-Statesboro, GA
City State KeyX11114
Land Area6.740000
Water Area0.007000
City Alias CodeM1
City Mixed CaseSavannah
City Alias Mixed CaseSavannah
Box Count21
State ANSI13
County ANSI051
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number127810
Unique ZIP Name
SSA State County Code11220
Medicare CBSA Code42340
Medicare CBSA NameSavannah, GA
Medicare CBSA TypeMetro
Market Rating Area ID14
County Mixed CaseChatham

Georgia Homeowners Insurance News & Information

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

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