The Best Cheap Homeowners Insurance in Valdosta, Georgia for 2022: Quotes and Reviews

The average cost of buying homeowners insurance in Valdosta, Georgia, is $1,681 annually or $140 per month. However, rates vary greatly depending on the company.

Farmers offers the cheapest home insurance policy at an average of $704 annually, while State Farm is the most expensive insurer with an average cost of $2,577 per year. You can see how shopping around can help you save as much as $1,873 annually.

If you’re looking for a combination of affordability and quality, MoneyGeek rated the best homeowners insurance companies in Valdosta.

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Last Updated: 9/26/2022
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The Cheapest and Best Homeowners Insurance in Valdosta

The Cheapest Home Insurance Companies in Valdosta

Most insurance companies in Valdosta offer the same core coverages. That’s why it’s important to consider the policy cost when making a purchase decision. MoneyGeek’s research shows that the following companies offer the cheapest homeowners insurance with $250,000 in dwelling coverage:

  • Farmers: $704 per year
  • ASI: $879 per year

We also researched the most affordable homeowners insurance in Valdosta for expensive homes. The following companies offer policies with $2 million in dwelling coverages:

  • Farmers: $3,470 per year
  • ASI: $5,712 per year
The Cheapest Home Insurance in Valdosta, Ranked

Dwelling Coverage:

$250,000

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Insurance Rates

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All of these policies offer $100,000 in liability coverage. Policies with an initial baseline dwelling coverage have personal property limits of $100,000, and policies with dwelling coverage of $2 million have personal property limits of $800,000.

If you don’t live in Valdosta, you can look up home insurance in Georgia for information on other cities.

The Average Cost of Homeowners Insurance in Valdosta for 2022

Valdosta$1,681
Georgia$2,147
U.S.$2,103

The average cost of buying a homeowners insurance policy in Valdosta is $1,681 per year. This cost is $422 less than the national average, and $466 lower than the state average.

Calculate the Cost of Home Insurance in Valdosta

Where you live in the state affects your homeowners insurance cost. The price of a policy is also determined by the amount of dwelling and personal property coverage you get, your credit score and other significant factors. MoneyGeek developed a homeowners insurance calculator to help you compare homeowners insurance quotes.

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Home Insurance Calculator

State

Georgia

Dwelling Coverage

$250,000

Deductible

$500

Liability

$300,000

Personal Property

$50,000

Credit Score

Excellent
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low end

on average

high end

These are annual estimates. Get a personalized quote to determine your costs.

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The Best Home Insurance Companies in Valdosta

While shopping for home insurance in Valdosta, you should consider several factors in addition to price. It’s important to analyze the insurer’s financial stability and customer service ratings. Filing a claim can be stressful, so you want a company that processes claims fairly and quickly during your time of need.

MoneyGeek researched the following best home insurance companies in Valdosta:

  • Best Overall: Farmers
  • Runner-up: Auto-Owners Insurance Co

MoneyGeek ranked home insurance companies in Valdosta based on affordability, user satisfaction and financial stability.


1
Farmers
Score:94

5/5

Affordability

4.6/5

User Satisfaction

4/5

Financial Stability

Geek Quick Take
Geek Quick Take

On average, a Farmers homeowners insurance policy costs $704 per year. This company has the highest rating for affordability, third-highest for financial stability, and second-highest for customer service. In addition, it offers energy efficiency upgrade coverage.

More About Farmers

Farmers offers energy efficiency upgrade coverage to its customers. The company will pay up to $25,000 to replace home appliances and other items with energy-efficient options. It also offers optional matching coverage, which ensures your property is repaired with the same materials it was built with. This helps the home maintain a uniform appearance.

Read MoneyGeek's Farmers home Insurance Review
2
Auto-Owners Insurance Co
Score:92

4.5/5

Affordability

4.5/5

User Satisfaction

5/5

Financial Stability

Geek Quick Take
Geek Quick Take

Auto-Owners Insurance Co charges $1,184 per year for a home insurance policy. It has the third-highest affordability rating, the highest financial stability score and the fourth-highest rating for customer service. It offers its customers a service line coverage option.

More About Auto-Owners Insurance Co

Auto-Owners Insurance Co offers service line coverage, which protects you against the cost of damages to any underground piping or wiring that connects your home to a utility service. You can also add equipment breakdown coverage to your policy, which helps you pay for repairing electrical or mechanical equipment in your home.

Read MoneyGeek's Auto-Owners Insurance Co home Insurance Review

Cheapest Home Insurance Companies in Valdosta for Newly Constructed Homes

Homes built with newer materials are more resistant to damage and cost less to repair, as newer materials are widely available. That’s why insurers charge lower rates for newly constructed homes in Valdosta. A newly constructed home costs an average of $1,232 to insure, compared to $1,681 for a house built in 2000. MoneyGeek found that the most affordable companies for newly constructed homes in the city are:

  • ASI: $496 per year
  • Farmers: $546 per year
The Cheapest Home Insurance in Valdosta for New Homes, Ranked

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Cheapest Home Insurance Companies in Valdosta if You Have a Lot of Personal Property

Homeowners insurance also provides coverage for the cost of damages to personal property kept in your home. If you want a large amount of personal property coverage, you will pay higher rates. On average, it costs $1,786 for a home insurance policy with personal property limits of $250,000, compared to an average of $1,681 for a policy with $100,000 in personal property coverage limits.

MoneyGeek’s research shows that the following companies offer the cheapest homeowners insurance for homeowners who want higher personal property coverage limits:

  • Farmers: $727 per year
  • ASI: $997 per year
Cheap Companies in Valdosta for Extra Personal Property Coverage

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Cheapest Home Insurance Companies in Valdosta for High Deductibles

The amount of your homeowners insurance deductible also significantly affects the cost of your policy. If you choose a policy with a higher deductible, your monthly premium will be lower, but you will pay more out of pocket if you file a claim. A policy with a $2,000 deductible costs an average of $1,519 per year, versus $1,681 for a policy with a $1,000 deductible.

MoneyGeek found that the following companies offer the most affordable policies with higher deductibles:

  • Farmers: $660 per year
  • ASI: $751 per year
The Cheapest Companies in Valdosta for High Deductibles, Ranked

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Cheapest Home Insurance Companies in Valdosta if You Have Poor Credit

While calculating home insurance quotes in Valdosta, insurers consider your credit score. Homeowners with low credit scores will pay higher rates for a home insurance policy. MoneyGeek’s research shows that home insurance costs an average of $2,833 per year if you have poor credit, compared to $1,681 if you have good credit.

MoneyGeek found the following cheapest companies for people with poor credit are:

  • Auto-Owners Insurance Co: $1,184 per year
  • Farmers: $1,554 per year
The Cheapest Companies in Valdosta for Poor Credit, Ranked

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Getting Online Homeowners Insurance Quotes in Valdosta

If you want to get an online quote for home insurance, you should have the following information on hand:

  • The replacement cost of your home: This is the total cost of rebuilding your home, and helps insurers determine your dwelling coverage limits. It’s best to hire a building contractor or a construction professional to get an estimate of this cost.
  • The value of your personal property: How much is the personal property you keep in your home worth? Insurers use this amount to set your personal property coverage limits.
  • Personal information: Insurers will want to know your address, the number of people in your household, information about your insurance history and other details.
  • Information about your house: You will also need to provide information about the size of your house, when it was built, what safety devices are installed and more.
Insurance Rates

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Homeowners Insurance in Valdosta Analysis: Methodology

MoneyGeek analyzed home insurance premiums from 10 companies in Valdosta, Georgia. The data used in this guide was provided in partnership with Quadrant and quotes were collected for a home with varying coverage levels to calculate affordability scores. The base profile was for a home with 2,500 square feet, built in 2000 with dwelling coverage of $250,000, personal property coverage of $100,000 and liability coverage of $100,000. The policies had a $1,000 deductible. We also collected quotes for newly constructed homes, increased dwelling or personal property coverage, higher deductibles and poor credit scores. The customer satisfaction ratings were drawn from J.D. Power surveys.

About the Author


expert-profile

Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.