31705 Homeowners Insurance Quotes & Rates

Albany residents living within the 11,202 homes available in the zip code of 31705 are shopping online to compare cheaper and more affordable Albany, GA home insurance rates. In the great city of Albany, homeowners like you want to find less expensive coverage since the home insurance rates have increased. Currently, the average home insurance rate within the state of Georgia is around $1,031 per year. These average rates are based on a standard or basic homeowner policy that covers your home for risk of fire, theft or liability issues if someone was to be injured on your property. We can provide enhanced coverage options to give you that added protection that you need for your home in the 31705 zip code.

With our online home insurance quoting application and excellent review service, we can help you save up to 40% or more on your next homeowners policy. We will shop up to 12 competitive home insurance rates, review all the coverage options available and propose any discounts or credits that may be available to you. Each home insurance company is different and likes to generate rates based on a number of different risk factors when it comes to insuring your home. We will be able to explain which home insurance company is best for you based on the coverage details, rate affordability and claim dependability.

Let us help you shop and compare your 31705 home insurance rates today! Please give us a call now at 1-855-976-2656. For Albany, GA Homeowners Insurance Quotes, Click to easily get started!

Average Building Cost Per Square Foot in 31705: $122

Average Square Footage in 31705: 655 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 31705 before you start any project. Albany 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 31705 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 31705 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 655 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 Albany 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 31705 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 Company - Henry Harris

Bryant- Ellen C - State Farm Insurance Agent

Direct General Insurance Agency Inc

Henry Caldwell - Allstate Agent

Household Data for 31705

The average number of homes in 31705 is around 11,202, there are an average of 2.49 per household. The average house value according to local real estate values is around $79,900. 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 […]