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31410 Homeowners Insurance Quotes & Coverage Options

If you are looking to lower the cost of your homeowners insurance policy you have come to the right place. We have helped thousands of shoppers in 31410 zip code find a great new policy that offers the coverage they need at a price they can afford. makes shopping for a new policy in Savannah, GA quick and easy. Our rates are super competitive and our agents can advise you on what coverages you need in 31410.

Shopping for insurance quotes on is always free and we will provide you with a free consultation to answer any questions you may have about coverages and rates.

If you are ready to start shopping for a great policy simply click the "Get Multiple Quotes Now" button, enter 31410 and start shopping.

Quickly and Easily Compare Average Rates for 31410

You can easily compare rates for your home in ZIP starting an online quoting application to "get quotes". Or search additional Savannah, GA home insurance quotes in your local city and review the most competitive coverages and premiums.

Average Policy Rates in 31410

Homeowners in Savannah are paying roughly $1053 per year for a homeowners policy. We can help you shave up to 40 percent off of your current homeowners premium. Get started now and shop up to 12 insurance quotes from nationwide insurers right now.

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31410 Home Insurance Average Premiums

Local 31410 homeowners insurance quotes comparison

$803 /yr.

Shows Zip Code: 31410 lowest rates with discounts applied on average.

For the 31410, 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)
$803 /yr.
Average Coverage:$1053 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1353 /yr.

What is the average home insurance cost for a home in 31410?

  • • The average homeowners insurance premium paid annually for a home in 31410 is around $1053 per year.

What does it cost on average per month for home insurance in 31410?

  • • Homeowners in 31410 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 31410?

  • • Autoowners in 31410 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 31410.
Review average rates in another zip code:
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Home Replacement Cost Coverage in 31410

Average Building Cost Per Square Foot in 31410: $122

Location: Savannah, Georgia (Chatham County)

Average Square Footage in 31410: 2,339 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 31410 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 31410 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 31410 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 2,339 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$1222,339$285,400
Additional Upgrades & Added Features$1532,339$356,750
Major Home Updates or Advancements$1832,339$428,100

It's important to understand that when you estimate your replacement cost of your home in the 31410 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 31410

Best Home & Auto Insurance Agencies in 31410

Housing Demographics for 31410

Population Review for 31410 Zip Code

For the city of Savannah, the population within 31410 has increased to over 25,302 residents in population size. The current population total is 23,782. We have broken down the population based on race below. In 31410, there are over 11463 in male population and 12319 females.

Total Population23,782
White Population20264
Black Population834
Hispanic Population849
Asian Population938
Hawaiian Population11
Indian Population50
Other Population254
Male Population11463
Female Population12319
Population Estimate25302

Household Data for 31410

The average number of homes in 31410 is around 10,103, there are an average of 2.35 per household. The average house value according to local real estate values is around $285,400. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode10,103
Persons Per Household2.35
Average House Value$285,400
Income Per Household$84360
Median Age45.1
Median Age Male43.2
Median Age Female46.9
31410 DetailsValues
State Full NameGeorgia
City TypeP
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 Businesses465
Number Of Employees3773
Business First Quarter Payroll27590
Business Annual Payroll120948
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 Residential10767
Delivery Business339
Delivery Total11443
Preferred Last Line KeyX11114
Classification Code
CSA NameSavannah-Hinesville-Statesboro, GA
City State KeyX11114
Land Area22.574000
Water Area3.219000
City Alias Code
City Mixed CaseSavannah
City Alias Mixed CaseSavannah
Box Count242
State ANSI13
County ANSI051
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
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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    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 […]