Columbus, GA Homeowners Insurance Rate Quotes!
Columbus is such a great place to live and raise a family. Whether you want to hit the Chattahoochee River and ride the rapids, take the kids to visit the Coca-Cola Space Science Center or just enjoy some of our first class restaurants and bars at the Riverwalk, Columbus has you covered.
When it comes to southern hospitality and culture, Columbus is bursting at the seams. The Columbus Botanical Gardens is a great place to spend the day before heading to Springer Opera house for a night of fun.
If you are considering making the move to Columbus, here are a few facts you will want to know about our great city.
Columbus Georgia Facts
Columbus has 189,885 residents, which translates into roughly 11,734 households per zip code with roughly 3 people per household. The average household income is a respectable $31,825, which is slightly below the national average. Homes are very affordable in the Columbus area with the average house value coming in at $82,146.
Columbus, GA Demographics & Home Value Data
The data values below are for the Columbus, GA (MUSCOGEE County) location.
- Columbus Total Population: 189,885
- Occupied Home Residents: 152,537
- Average Price of a Home Per Zip Code in Columbus: $82,146
Columbus, GA Homeowners Insurance Quotes
Georgia may not be considered the most expensive state in the country to a buy home insurance policy, but it does however rank higher than average considering the nationwide rank is 22. Residents of Columbus, GA are currently paying around $1044 per year for home insurance coverage on average. We can help you reduce your rate by comparing up to 12 different home insurance carriers and can usually help customers save up to 40% or more. Plus, we can review all the discounts available, as some carriers provide exceptional discounts that are not available with other insurance companies.
Compare Homeowners Insurance Rates in Columbus, GA!
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Our Quoting Service in Columbus
We have been working with the top rated ("A+" A.M.) Georgia home insurance carriers for years and we can help you find the best coverage at an affordable price for your home in Columbus, GA.
It’s important when shopping for insurance to work with carriers that are dependable and financially secure. Our top-rated carriers include Liberty Mutual, Safeco Insurance, Tower Hill, ShoreOne, Kind Group Underwriting, AIG, Chubb, Travelers, National General, Heritage Insurance and the Georgia Underwriting Association
Average Rates Nearby Columbus
Are you looking for homeowners insurance in a city near Columbus? Review coverage options and average rates in your area by clicking your city below. We can help you shop home insurance rates!
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Home Insurance Rates by Zipcode in Columbus, GA
Easily review average rates and get multiple homeowners insurance quotes by clicking your zip code below located in Columbus.
Columbus, GA Home Insurance Average Premiums
For the city of Columbus, 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 |
|Average Coverage:||$1037 /yr.|
|2600 sq. ft. or higher |
(all discounts applied)
What is the average home insurance cost for a home in Columbus, GA?
- • The average homeowners insurance premium paid annually for a home in Columbus is around $1037 per year.
What does it cost on average per month for home insurance in Columbus, GA?
- • Homeowners in Columbus pay an average cost per month around $86.00 for insurance coverage.
Columbus, GA - 2023 Housing Information
|Month||Current Home Value (2023)||Last Year Home Value (2022)|
Homeowners insurance will help cover the cost to repair or replace your Columbus home if it is damaged or destroyed by a covered peril, up to your coverage limits. A homeowners policy is made up of a few different coverages. Here are the most common coverages:
- Dwelling: This coverage will pay to repair or replace the structure of your home if it is damaged or destroyed. Review and Calculate Replacement Cost Coverage in Columbus
- Liability: This coverage will help cover medical and legal bills if someone is injured in your home, slipping on an icy sidewalk for example. It also offers protection if you damage another person’s property, your child hitting a baseball through a neighbor’s window for example.
- Contents: This covers the cost to replace your personal possessions that are destroyed by a covered peril. Furniture, electronics, clothing and household goods are excellent examples. Contents coverage is often capped at 50% to 70% of your dwelling coverage.
- Other Structures: This coverage protects other structures on your property such as detached garages, outbuildings, barns, and sheds.
- Loss of use: This covers everyday costs that you incur if you cannot live in your home while it is being repaired due to a claim. It will pay hotel and restaurant bills and even the cost of dry cleaning.
Get up to 12 competitive Columbus, GA homeowners insurance rates all in one place!
Saving Money Tips on Columbus Home Insurance
A great way to save money on Columbus homeowners insurance is to make sure you are getting all the discounts you are qualified to receive. Here are just a few of the most common discount’s insurers offer:
- Bundling: If you purchase your home and auto (or any other insurance coverage) from the same insurer, you should get a bundling discount. Expect to save 20%-25%.
- Secure your home: Adding a monitored security system, water leak sensors, deadbolts, and smoke detectors should result in a discount.
- Impact resistant roof: If you are replacing your roof, consider impact resistant roofing materials which help prevent hail and impact damage as well as resulting in a significant discount.
- Stay claim free: If you have been claim free for a number of years (five is a common requirement) your insurer should offer a claim free discount.
Are you shopping for the best rate near or wihin the Columbus area? Check out what homeowners are paying on average for Georgia homeowners insurance.
Elevation Review for Coastal Wind or Flooding Risk
|326 ft.||This is the average home elevation in Columbus, GA||
Did you know that the elevation in which your home resides is crucial to a home insurance policy because it determines the risk factor related to your home being in a flood zone. It is important to understand that your home is not covered for floods under a standard homeowners policy. You will need to speak with a local Georgia flood insurance agent about a flood insurance policy, please give us a call now at 888-620-1954.
To get online quotes on your home and compare rates on home insurance premiums in Columbus, enter your zip code above and easily complete our online quoting application. Remember, it's important to speak with us about additional home insurance discounts so you can get the best rate for your home in Muscogee County.
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 […]
Coastal Homeowners in Denial: FEMA urges homeowners to buy flood insurance Posted on Monday 23rd September, 2019
Congress is getting ready to send President Donald Trump the thirteenth 60-day extension of the National Flood Insurance Program (NFIP) as the current one expires at the end of September. The NFIP has been in serious financial trouble for years but Congress has been unable to agree on how to fix the ailing program. The […]
Thousands of Homeowners in the path of Hurricane Dorian Cancelled Their Flood Insurance Posted on Wednesday 11th September, 2019
According to a recent analysis by E&E News of government data, tens of thousands of homeowners who were in the path of Hurricane Dorian dropped their flood insurance in recent years. The analysis found that both homeowners and owners of commercial buildings have been giving up their flood insurance policies despite the fact that their […]
Columbus, GA Dwelling Coverage Estimate
It is important to calculate your dwelling coverage for your home in Columbus so you know what type of homeowners insurance coverage you need to cover your replacement cost. It is recommended to have enough dwelling coverage to rebuild your home if it was destroyed by a covered peril.
Please remember that replacement cost coverage does not include the cost of the land, only the price to rebuild your home, which is why we like to help customers by answering a few questions that you may have.
What is the average replacement cost coverage in Columbus, GA?
- The average square footage in Columbus is around 1,064 Sq. Ft. which would cost you around $129,777 to replace the home if you base the home on the price to build per square foot of $122.
Minimum Replacement Cost Total: $129,777
Location: Columbus, Georgia (Muscogee County)
Average Building Cost Per Square Foot in Columbus: $122 (low end)
Average Square Footage in Columbus: 1,064 Sq. Ft.
|Home Improvement Status||Price per Sq. Ft.||Dwelling Coverage|
|None or Very Minor Improvements||$122||$129,777|
|Some Additional Upgrades||$153||$162,221|
|Major Home Updates or Advancements||$183||$194,665|
The dwelling coverage is calculated by the average cost per square foot ($122) in Columbus, Georgia times your heated square footage. Which would equal the cost to rebuild your home minus the cost of the property or land. Some homes will have a higher replacement cost due to home improvements like updated kitchens and bathrooms. Other upgrades may include: granite countertops, hardwood floors and stainless steel appliances. The national square foot average to build a brand new home is around 2500 square feet. So if you are looking to build, and your square footage of your new home is 2500, you are looking at a dwelling coverage premium of around $381,250 (Media price to build of $153 x 2500 sq. ft.) to cover the cost to rebuild your new home.
What is the difference between actual cash value and replacement cost value?
Homeowners insurance is available in both actual cash value (ACV) and replacement cost value (RCV). Knowing the difference is important:
Actual cash value: When valuing your personal possessions, an actual cash value policy will take depreciation into account. This means that your 10-year-old TV will be basically worthless according to your insurance company. While an ACV policy tends to be cheaper, if you have to make a claim you may be disappointed in your claim payout.
Replacement cost value: A RCV policy will replace your possessions with brand new items of similar quality regardless of how old they were at the time they were destroyed. While RCV policies are slightly more expensive, they are well worth the cost if you have to make a claim.