If you are looking for the most affordable homeowners insurance in Macon, Georgia, you have come to the right place. In this article, we will detail various insurance companies in Macon and will show you tips on how to find the right policy for your home.
Just 85 miles of Atlanta, the city Macon, Georgia boasts of vibrant neighborhoods, friendly locals, and rich history. It is the seat of Bibb County and is the principal city of Macon metropolitan area. Moreover, the city has numerous educational institutions, museums, and tourist destinations that invites more and more new residents. Since its geographical location is right in the center of the state, it is aptly nicknamed the Heart of Georgia.
Due to its growing industries, Macon’s population has been steadily increasing over the years. There is also a steady growth in various real estate properties including growth in the number of single unit homes, condos, townhomes, and even mobile homes.
Finding the right homeowners insurance for your property takes effort and careful research. It is crucial that you use a reliable comparison website to understand the differences between each insurance coverage available. We have put together some of the most important data that you need to help you find the correct homeowners insurance in Macon, GA.
Housing Stats in Macon
- Population: 89,981 (All urban, as of July 1, 2018)
- Total Occupied Homes: 57,200
- Owner Occupied: 52.8%
- Person Per Household: 2.58
- Average Family Size: 3.16
- Median Value of Owner-Occupied Housing Units: $117,300
- Median Gross Rent: $775
- Median Household Income: $38,247
Average Homeowners Insurance Costs In Georgia
The average cost of homeowners insurance policy nationwide is $1,192. This average rate has continually been rising in the past 10 years throughout the country. In Georgia, the average cost of homeowners insurance is $1,200 which ranks it at number of 20th in the country. This average rate ranges depending on the insurance company that provides your coverage, the type of home that you have, your discounts, and more.
Home Insurance Companies in Macon, Georgia
There are plenty of home insurance providers in Georgia to choose from and different factors will affect the rate of our insurance policy. Homes at $200,000 value have the following premium rates and deductible costs.
| Company | $1000 Deductible |
| AIG | $893 |
| American Family | $709 |
| American National General | $641 |
| Central Mutual | $1259 |
| Georgia Farm Bureau | $862 |
| Integon National | $1381 |
| Massachusetts Bay | $1220 |
| QBE | $1586 |
| First Protective | $1133 |
| Tower Hill | $1227 |
In this table, it shows that the most affordable homeowners insurance in Macon, GA are the following: American National General, American Family, and Georgia Farm.
Coverage for Vacation Homes and Second Homes
Property owners also need to consider providing adequate protection for vacation homes or second homes. Most likely these properties will be rented out when not in use but you will still need to make sure that the structure and personal property is protected in case of catastrophes. Thankfully as a property owner, there are several options available including some companies offering this as an optional add-on.
Hazards in Georgia
Georgia is exposed to a range of natural hazards and calamities, so it is important that you get the right type of insurance coverage for your property. In fact, in the last four decades, 70 percent of Georgia has been exposed to natural disaster costing more than $14 billion in damages. Some of the natural hazards in Georgia include river flooding, landslides and mudslides, urban flood, extreme heat, and tornados.
These natural disasters can cause considerable damage to your dwelling and personal property so it is important that you find coverage that will provide protection for these problems.
Theft and Burglary in Macon
In the crime statistics report by the Georgia Bureau of Investigation for 2017, there are a total of 2,107 burglaries in Macon and its general vicinity. This high number of burglaries can easily make your property vulnerable. You will be able to provide extra protection to your property by making sure your insurance includes coverage for such perils.
Tips On How To Save On Your Homeowners Insurance Premium Cost
There are different types of homeowners insurance coverage available in the market today. It is crucial that you get the right kind of coverage for your property to ensure that your investment is protected no matter what events may come. Still, there are a variety of ways to save on your insurance cost. These may vary from one insurance company to another, but in general, these are some of the best ways to reduce your premium cost.
- Review Your Insurance Company’s Available Discounts – Companies will offer different types of discounts so make sure to take advantage of them. For example, most providers allow bundled discounts when you also purchase car insurance from them.
- Consider Setting Up Alarms – Fire alarms and burglar alarms will reduce your insurance cost as most companies offer discounted rates when you have these installed.
- Claims Free Discount – Homeowners and renters who did not file claims for a specific number of years (depending on your insurance company) may be able to get discounted premiums.
