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Quickly Revew Homeowners Insurance in 31501

If you own a home in Waycross, GA you need a great homeowners policy to protect your home and possessions. Industry experts recommend shopping your homeowners insurance on a yearly basis to ensure that you are getting the best price and coverage levels.

GetHomeInsuranceQuotes.com can help you shop your coverage and find the best policy for your home in 31501 zip code. Our service is always free and we will gather quotes from up to 12 nationwide insurers so you can see all of your homeowners insurance options in one place. Our Georgia licensed agents will also review your needs and make sure you have the appropriate coverage for your home.

If you want to see real savings on the cost of homeowners insurance start shopping GetHomeInsuranceQuotes.com right now. Get started by clicking the Get Multiple Quotes Now" button below, verify your 31501 and start comparing rates now.

31501 Homeowners Insurance Rates Are Considered: high!

The average rate for a standard homeowners policy in 31501 is $1045 according to industry data. We can help you achieve substantial savings by using our online quoting process to find the best policy for your specific home. We will also make sure you are fully covered. Insurance policies and coverage levels vary so it is key to fully understand your policy and what it covers as well as any coverage limitations.

We only deal with reputable, nationwide insurers so you can be confident that if you do need to make a claim it will be handled quickly and fairly. It’s time to start shopping for a new policy.

Get 31501 Home Insurance Rate Quotes Right Now!

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

31501 Home Insurance Average Premiums

Local 31501 homeowners insurance quotes comparison

$795 /yr.

Shows Zip Code: 31501 lowest rates with discounts applied on average.

For the 31501, 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)
$795 /yr.
Average Coverage:$1045 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1345 /yr.

What is the average home insurance cost for a home in 31501?

  • • The average homeowners insurance premium paid annually for a home in 31501 is around $1045 per year.

What does it cost on average per month for home insurance in 31501?

  • • Homeowners in 31501 pay a monthly average cost per month around $87.00.

What kind of discount could I get if I combine my home and auto insurance together in 31501?

  • • Autoowners in 31501 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 Waycross area, check out other zip codes nearby 31501.
Review average rates in another zip code:
31503 homeowners insurance rates
31501 homeowners insurance rates

Home Replacement Cost Coverage in 31501

Average Building Cost Per Square Foot in 31501: $122

Location: Waycross, Georgia (Ware County)

Average Square Footage in 31501: 697 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 31501 before you start any project. Waycross 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 31501 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 31501 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 697 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 Waycross 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$122697$85,000
Additional Upgrades & Added Features$153697$106,250
Major Home Updates or Advancements$183697$127,500

It's important to understand that when you estimate your replacement cost of your home in the 31501 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 31501

Harrell Bill Insurance Agency

Address: 618 Tebeau Street Waycross, GA 31501
Phone: (912)287-0064
Website:

Best Home & Auto Insurance Agencies in 31501

Basic Auto Insurance Agency

Address: 606 Elizabeth St Waycross, GA 31501
Phone:
Website:
Info:

Harrell Bill Insurance Agency

Address: 618 Tebeau St Waycross, GA 31501
Phone:
Website:
Info:

J Smith Lanier & Co

Address: 600 Memorial Dr Waycross, GA 31501
Phone:
Website: http://www.jsmithlanier.com
Info:

Halstead Sid L CLU

Address: 424 Memorial Dr Waycross, GA 31501
Phone:
Website: http://www.statefarm.com
Info: State Farm - Car Insurance Quotes - Save on Auto Insurance
State Farm offers more discounts to more drivers than any other insurance company. Get a free quote today and see how you can save on auto, home, life and more. State Farm, auto insurance, car insurance, home insurance, homeowners insurance, renters insurance, life insurance, health insurance, annuities, mutual funds, banking, car loans, credit cards, Visa gift cards

Clarke-Darden CO

Address: 204 Folks St Waycross, GA 31501
Phone:
Website:
Info:

Housing Demographics for 31501

Population Review for 31501 Zip Code

For the city of Waycross, the population within 31501 has increased to over 14,764 residents in population size. The current population total is 14,036. We have broken down the population based on race below. In 31501, there are over 6594 in male population and 7442 females.

PopulationValues
Total Population14,036
White Population6528
Black Population6369
Hispanic Population514
Asian Population180
Hawaiian Population1
Indian Population37
Other Population259
Male Population6594
Female Population7442
Population Estimate14764

Household Data for 31501

The average number of homes in 31501 is around 5,678, there are an average of 2.44 per household. The average house value according to local real estate values is around $85,000. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode5,678
Persons Per Household2.44
Average House Value$85,000
Income Per Household$36098
Median Age39.7
Median Age Male37.5
Median Age Female41.5
31501 DetailsValues
StateGA
State Full NameGeorgia
City TypeP
City Alias Abbreviation
Area Code912
CityWaycross
City Alias NameWAYCROSS
CountyWare
County FIPS299
State FIPS13
Time Zone5
Day Light SavingY
MSA
PMSA
CSA
CBSA48180
CBSA_DIV
CBSA_TypeMicro
CBSA_NameWaycross, GA
MSA_Name
PMSA_Name
RegionSouth
DivisionSouth Atlantic
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses593
Number Of Employees7759
Business First Quarter Payroll70380
Business Annual Payroll303827
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population55070
CBSA Division Population0
Congressional District01
Congressional LandArea7982.81
Delivery Residential6051
Delivery Business898
Delivery Total6899
Preferred Last Line KeyX11354
Classification Code
Multi-County
CSA Name
CBSA_DIV_Name
City State KeyX11354
Land Area11.995000
Water Area0.084000
City Alias Code
City Mixed CaseWaycross
City Alias Mixed CaseWaycross
Box Count0
SFDU5087
MFDU323
State ANSI13
County ANSI299
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number129295
Unique ZIP Name
SSA State County Code11940
Medicare CBSA Code99911
Medicare CBSA NameRural Areas in GA
Medicare CBSA TypeMicro
Market Rating Area ID6
County Mixed CaseWare

Georgia Homeowners Insurance News & Information

  • 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 […]