Get Douglas, GA Home Insurance Rates!
If you are shopping for a new homeowners insurance policy in Douglas, GA you have come to the right website.
Our quoting system was designed to help you find a great policy at an affordable price without having to leave the comfort of your own home. Our site makes it quick and easy to get up to 12 different premium quotes from a variety of nationwide insurance companies who offer a wide variety of coverage options and discounts.
Simply enter your zip code above, answer a few questions and we will start searching for your brand-new homeowners insurance policy.
A Few Facts about Douglas and Georgia Home Insurance Rates
Homeowners insurance is pretty affordable in Douglas with the average home insurance rate coming in at is $1,403 a year while the national average is $1,311. In Douglas, GA most residents will pay $117 a month for homeowners insurance.
While homeowner rates are fairly affordable in Douglas, our site can help you save money when it comes to your premium. Our site compares rates and coverage options from a wide variety of insurance companies. While savings will vary depending on your personal factors, in many cases we can help you find a policy that is up to 40 percent cheaper than your current policy.
You can rest assured that your new policy will offer robust coverage, we only work with national insurance companies that offer the highest quality polices at reasonable prices. Our process is quick and easy, simply enter your zip code above to start a free online quote or give us a call now.
Home prices in Douglas and homeowner insurance discounts
Homes in Douglas are very affordable with the average price coming in at $112,050. While homeowners insurance in Douglas is already pretty affordable, discounts offered by insurance companies can help lower your premium even more. Here are just a few of the more common discounts offered by insurers:
- Bundling: This is a major discount that insurers offer to Douglas customers who carry multiple lines of coverage with them. If you are carrying homeowners coverage and car insurance (or any other insurance for that matter) with the same insurer you should receive a discount. Discounts can range up to 20 percent so it can be well worth it.
- Loyalty Discount: Insurance companies value their long-term customers and are happy to give them a discount. Once you have been with the same insurer for three years or more, consider asking for a loyalty discount.
- Monitored alarm systems: Insurers love alarm systems and offer a discount if you have a monitored alarm system in your home. Once your system is installed, ask your insurer for a discount. Discounts can range up to 15 percent.
- Impact-resistant roofs: In Georgia storms are very common and can sometimes be extreme, so having an impact-resistant roof will usually result in a discount on your insurance premium. If you are in the market for a new roof, consider upgrading to an impact and wind resistant roof.
- Pay in full: If you can afford to pay your annual premium in one lump sum your insurer will usually offer a small discount. While the discount may only run to 5 percent, they all add up.
- Retired: Once you have retired, many insurers offer a discount because you are home more often making your home less attractive to thieves. In addition, when you are home most of the time so you can catch leaks early, preventing serious damage.
When you shop for a new homeowners insurance policy with us, we will make sure that all available discounts are being applied to your policy.
Douglas, GA City Information
Did you know that Douglas, GA has now reached over 11,589 in population size with 4259 homes within the city of Douglas. The average family household in Douglas is reported to be around 2761. With the local population increasing in Douglas, it's important to make sure your home has the home insurance coverage you need for your family. Please learn more about our homeowners insurance discounts to discover how you can save additional money on your home insurance premium to help make it more affordable for you. When you request free Douglas home insurance quotes from us, we will work with you to compare every possible carrier, coverage and discount available. To find additional savings on your new home policy, please review the article on: Setting Your Deductibles as High as Possible is a Moneysaver
| Demographic | Values |
|---|---|
| Population | 11,589 |
| Total Occupied Households | 4259 |
| Family Households (families) | 2761 |
| Average Owner Occupied Household Size | 2.57 |
| Average Family Size | 3.20 |
| Total Housing Units | 4868 |
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Our Quoting Service in Douglas
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 Douglas, 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
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Average Rates Nearby Douglas
Are you looking for homeowners insurance in a city near Douglas? 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 Douglas, GA
Easily review average rates and get multiple homeowners insurance quotes by clicking your zip code below located in Douglas.
Douglas, GA Home Insurance Average Premiums
$783 /yr.
For the city of Douglas, 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) | $783 /yr. |
| Average Coverage: | $1033 /yr. |
| 2600 sq. ft. or higher (all discounts applied) | $1333 /yr. |
What is the average home insurance cost for a home in Douglas, GA?
- • The average homeowners insurance premium paid annually for a home in Douglas is around $1033 per year.
What does it cost on average per month for home insurance in Douglas, GA?
- • Homeowners in Douglas pay an average cost per month around $86.00 for insurance coverage.
Douglas, GA Coastal Wind, Hail & Flood Information
Douglas is located in a coastal county which greatly increases the risk of hurricanes and windstorms. Our quoting process will include wind and hail coverage options to give you the best protection you need against high winds and storm damage.
Douglas, GA - 2023 Housing Information
| Month | Current Home Value (2023) | Last Year Home Value (2022) |
|---|---|---|
| January | $132,479 | $121,667 |
| February | $132,997 | $124,184 |
| March | $133,639 | $125,821 |
| April | $133,106 | $126,557 |
Homeowners insurance will help cover the cost to repair or replace your Douglas 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 Douglas
- 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.
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Saving Money Tips on Douglas Home Insurance
A great way to save money on Douglas 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 Douglas area? Check out what homeowners are paying on average for Georgia homeowners insurance.
Elevation Review for Coastal Wind or Flooding Risk
| Elevation | Details | Homeowners Tips |
|---|---|---|
| 223 ft. | This is the average home elevation in Douglas, GA | » Elevation is crucial to a homeowners insurance policy because it determines the risk of your home being in a flood zone which is particularly important in a coastal state such as Douglas, Georgia. A standard homeowners policy does not cover flood damage. If you live in a flood prone area, you will need to purchase a separate flood to fully protect your home. Flood insurance can be purchased via the National Flood Insurance Program (NFIP) or in the private market. NFIP policies come with coverage caps and other restrictions so you may need to supplement your flood insurance coverage with a private market policy. It's important to remember that flooding occurs in low and moderate risk areas as well. According to FEMA data, almost 25% of all flood claims come from low to moderate-risk areas. |
To get online quotes on your home and compare rates on home insurance premiums in Douglas, 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 Coffee County.
Georgia Homeowners Insurance News & Information
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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. […]
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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 […]
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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 […]
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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 […]
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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 […]
Douglas, GA Dwelling Coverage Estimate
It is important to calculate your dwelling coverage for your home in Douglas 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 Douglas, GA?
- The average square footage in Douglas is around 918 Sq. Ft. which would cost you around $112,050 to replace the home if you base the home on the price to build per square foot of $122.
Minimum Replacement Cost Total: $112,050
Location: Douglas, Georgia (Coffee County)
Average Building Cost Per Square Foot in Douglas: $122 (low end)
Average Square Footage in Douglas: 918 Sq. Ft.
| Home Improvement Status | Price per Sq. Ft. | Dwelling Coverage |
|---|---|---|
| None or Very Minor Improvements | $122 | $112,050 |
| Some Additional Upgrades | $153 | $140,063 |
| Major Home Updates or Advancements | $183 | $168,075 |
The dwelling coverage is calculated by the average cost per square foot ($122) in Douglas, 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.