Average homeowners insurance cost in Columbus, GA

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In Columbus, homeowners pay an average annual rate of $2,365 for a coverage level that includes $300,000 for dwelling, $100,000 for liability protection, and a $1,000 deductible, according to Insure.com’s rate analysis. This is $139 less than the national average of $2,504.

Homeowners insurance premiums can vary significantly from one property to another. In Columbus, the cost of home insurance is influenced by several factors, including:

Size of your home
Age of your home
Amount of coverage required
Location
Your credit score

It’s crucial to compare quotes from multiple insurers to ensure you get the best homeowners insurance policy. This allows you to find the coverage that meets your specific needs.

Read this guide to discover the monthly homeowners insurance cost in Columbus, explore the insurance costs for different dwelling coverage, and find out which companies offer affordable home insurance in Columbus.

Key takeaways

In Columbus, homeowners insurance costs $2,365 annually.
Auto-Owners offers the most affordable homeowners insurance in Columbus with an average annual premium of $1,480.
If you increase your dwelling coverage from $200,000 to $300,000, your annual home insurance premium will be $554 higher.

Average homeowners insurance cost in Columbus per month

Residents of Columbus pay an average of $197 a month for homeowners insurance, as per Insure.com’s rate analysis. It’s $7 more than the state average of $190 and $12 less than the national average for home insurance across the United States.

The cost of your homeowners insurance policy in Columbus may change based on location, property value, and selected coverage options.

Average homeowners insurance cost for a $200,000 house in Columbus

In Columbus, GA, homeowners pay an average of $1,811 annually for a $200,000 home. The annual cost of home insurance is influenced by factors such as the risk of natural disasters in your area.

Regions more susceptible to natural disasters, such as floods, hurricanes, or tornadoes, typically face higher rebuilding costs, leading to increased insurance premiums. It is important to understand that standard insurance policies might not cover damages caused by floods or hurricanes. If you live in a flood-prone area, it is advisable to purchase flood insurance.

Average homeowners insurance cost for a $300,000 house in Columbus

Based on a rate analysis conducted by Insure.com, Columbus residents pay an average of $2,365 per year to insure a home for coverage limits of $300,000 dwelling, $100,000 liability with a $1,000 deductible. If you plan to increase your dwelling coverage from $200,000 to $300,000, you must pay an additional $554 per year for home insurance.

Buying adequate insurance to cover the entire expense of rebuilding your home is best advisable. However, the amount of dwelling coverage you need may vary depending on your home’s size, amenities, and the cost of living in your area.

Average homeowners insurance cost in Columbus by Company

Among the carriers analyzed, Auto-Owners is the cheapest homeowners insurance company in Columbus. It’s average annual rate for Columbus homeowners is $1,480. Allstate ranks second and Travelers makes it to the third spot with an average annual home insurance rate of $2,264.

Before choosing a homeowners insurance policy, it is important to do some research on the company. Our experts have analyzed all the insurance companies across Columbus and prepared a list of the cheapest home insurance providers. You can find below the Columbus home insurance companies and their average annual premium.

Home Insurance Company	Annual rate
Auto-Owners	$1,480
Allstate	$1,683
Travelers	$2,264
Farmers	$2,347
Nationwide	$2,712
State Farm	$2,881
Georgia Farm Bureau	$3,202
USAA*	$2,275

Methodology

Insure.com, with the help of Quadrant Information Services, gathered data for homeowners insurance rates in Columbus for $300,000 dwelling coverage and $100,000 liability coverage with a $1,000 deductible. The data presented are those with a good credit tier alignment.