Valdosta, GA Homeowners Insurance Rate Quotes!

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Homeowners of Valdosta, GA, below are the most popular reasons homeowners in your area are now looking for more affordable insurance rates online.

  1. You are so tired of seeing your Valdosta home insurance rates increase year over year, that you are now taking the time to shop around in search of free quotes to review, compare and hopefully save more money.
  2. You are looking for a new home in Valdosta, GA and want to compare quotes to see if your premium will have any effect on your monthly mortgage payment.

Regardless of the reason, you want great coverage for an affordable price, right? Every homeowner in Valdosta wants to save more money and decreasing your monthly mortgage payment each month certainly helps you do that. That is why we offer an easy solution to shop and compare rates online, because if we can help you save hundreds on your new homeowners policy then your monthly budget will decrease on home expenses. With our quick online quoting application, we can help you review rates from up to 12 home insurance companies that are all very competitive in Valdosta.

Valdosta, GA Average Home Insurance Rates

Average premiums in Valdosta, GA are increasing. Georgia is now ranked 15 in the country for the highest premium. The national average is $1311 a year, and your local premiums can range from $790 a year to over $1,340 a year for a standard homeowners insurance policy. It's important to know that a basic homeowners policy will include structured, contents and liability coverage. This type of policy will help cover your Valdosta home from fire, weather, burglary and injuries on your property. If you have any questions about your insurance coverage in Valdosta, please give us a call, we can quickly answer any questions that you may have.

For low premium rates for your home in Valdosta, let us help you save up to 40% or more on your new home insurance policy. Let us help you discover affordable homeowners insurance rates today. Shop online or give us a call now: 1-855-976-2656.

Compare Homeowners Insurance Rates in Valdosta, GA!

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Get up to 12 competitive Valdosta, GA homeowners insurance rates all in one place!

Enter your Zip Code:    
Easily compare up to 12 competitive Valdosta, GA rates all in one place!

Our Quoting Service in Valdosta

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 Valdosta, 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

Compare and Save on Georgia Homeowners Insurance Today!

Average Rates Nearby Valdosta

Are you looking for homeowners insurance in a city near Valdosta? Review coverage options and average rates in your area by clicking your city below. We can help you shop home insurance rates!

Home Insurance Rates by Zipcode in Valdosta, GA

Easily review average rates and get multiple homeowners insurance quotes by clicking your zip code below located in Valdosta.

31601,     31602,     31605,     31606,     31698,     

Valdosta, GA Home Insurance Average Premiums

Local Valdosta, GA home insurance quotes comparison

$790 /yr.

Shows Valdosta's lowest average rates with discounts applied.

For the city of Valdosta, 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)
$790 /yr.
Average Coverage:$1040 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1340 /yr.

What is the average home insurance cost for a home in Valdosta, GA?

  • • The average homeowners insurance premium paid annually for a home in Valdosta is around $1040 per year.

What does it cost on average per month for home insurance in Valdosta, GA?

  • • Homeowners in Valdosta pay an average cost per month around $87.00 for insurance coverage.

Valdosta, GA - 2023 Housing Information

Month Current Home Value (2023) Last Year Home Value (2022)
January $169,734 $153,248
February $171,335 $155,357
March $173,357 $157,138
April $174,331 $158,827

Homeowners insurance will help cover the cost to repair or replace your Valdosta 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 Valdosta
  • 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.
Enter your Zip Code:    

Get up to 12 competitive Valdosta, GA homeowners insurance rates all in one place!

Enter your Zip Code:    
Easily compare up to 12 competitive Valdosta, GA rates all in one place!

Saving Money Tips on Valdosta Home Insurance

A great way to save money on Valdosta 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 Valdosta 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
195 ft. This is the average home elevation in Valdosta, 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 Valdosta, 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 Lowndes 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 […]

Valdosta, GA Dwelling Coverage Estimate

It is important to calculate your dwelling coverage for your home in Valdosta 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 Valdosta, GA?

- The average square footage in Valdosta is around 730 Sq. Ft. which would cost you around $89,044 to replace the home if you base the home on the price to build per square foot of $122.

Minimum Replacement Cost Total: $89,044

Location: Valdosta, Georgia (Lowndes County)

Average Building Cost Per Square Foot in Valdosta: $122 (low end)

Average Square Footage in Valdosta: 730 Sq. Ft.

Home Improvement StatusPrice per Sq. Ft.Dwelling Coverage
None or Very Minor Improvements$122$89,044
Some Additional Upgrades$153$111,306
Major Home Updates or Advancements$183$133,567

The dwelling coverage is calculated by the average cost per square foot ($122) in Valdosta, 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.