In Macon-Bibb, Georgia, Chubb is both the overall best and cheapest choice for home insurance, and also for customer service. Allstate is the cheapest for high-value homes. These companies cater to different needs and choosing the best cheap home insurance depends on factors like costs, customer service, and available coverage options.
Best and Cheapest Home Insurance in Macon-Bibb, GA (2024)
Updated: December 13, 2024
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Best HomeInsuranceMacon-Bibb, GATable of Contents
Best Overall - Chubb
Best for Service - Chubb
Best Cheap - Chubb
Cheapest Overall - Chubb
Cheapest for High-Value Homes - Allstate
Cheapest for New Homes - Chubb
Why Trust MoneyGeek? We used data from Georgia's Department of Insurance and Quadrant Information Services to find the best homeowners insurance in Macon-Bibb, ensuring our choices are accurate and reliable.
Home insurance premiums in Macon-Bibb correspond to the most favorable rates available as of September 2024.
1,900,800Quotes Analyzed
8Companies Compared
Overview: Best Home Insurance Companies in Macon-Bibb, GA
MoneyGeek found that Chubb is the best option for home insurance in Macon-Bibb, Georgia for 100K dwelling coverage, earning a MoneyGeek score of 99 out of 100. The scores for home insurance companies in Macon-Bibb, Georgia range from 43 to 99, reflecting MoneyGeek's scoring system. Insurers can receive different scores based on factors like your credit history and the age of your home.
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Category:Best Overall
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Coverages:1 - $100K Dwelling
| Chubb | 99 | $819 |
| Auto-Owners Insurance | 79 | $1,259 |
| Travelers | 75 | $969 |
| Nationwide | 71 | $1,101 |
| State Farm | 61 | $1,540 |
| Allstate | 58 | $1,198 |
| Farmers | 43 | $1,730 |
Overall Best Home Insurance in Macon-Bibb, GA
MoneyGeek found that Chubb is the best option in Macon-Bibb, Georgia, for $100K dwelling coverage. The two best overall home insurance companies in Macon-Bibb for $100K dwelling coverage are:
- Chubb: MoneyGeek score of 99 out of 100 ($819 per year)
- Auto-Owners Insurance: MoneyGeek score of 79 out of 100 ($1,259 per year)
Chubb stands out as the best home insurance provider because it offers affordability and strong customer satisfaction, contributing significantly to its high MoneyGeek score.
In Macon-Bibb, there are many companies with varying costs and services. While the cost is crucial, consider other factors like customer service and claim handling, which are important when claims need to be filed.
Best OverallChubb
MoneyGeek Score:
99/ of 100
Overview
Chubb is the best overall company with high scores in affordability and satisfaction. It offers comprehensive home insurance coverage, including guaranteed replacement cost and building ordinance or law. Chubb provides discounts like new home and home renovation, helping homeowners save. For example, you can get a discount if your home is renovated within the last six years.
Chubb's coverage options are valuable for homeowners. Guaranteed replacement cost ensures your home is rebuilt to its original state after a loss. Building ordinance or law coverage helps bring your home up to current codes. Cash settlement allows you to receive a payout if you choose not to rebuild. These coverages provide peace of mind and financial protection.
Best Home Insurance for Customer Service in Macon-Bibb, GA
MoneyGeek found that Chubb offers the best customer service in home insurance in Macon-Bibb, Georgia, for a $100K dwelling coverage. This standout service makes Chubb a top choice for homeowners seeking comprehensive insurance protection.
Here are the top two providers for $100K dwelling coverage:
- Chubb: MoneyGeek score of 96 out of 100 ($819 per year)
- Auto-Owners Insurance: MoneyGeek score of 92 out of 100 ($1,259 per year)
Chubb stands out as the best due to its excellent customer satisfaction and affordable premium, reflected in its MoneyGeek score. You might consider choosing Chubb if you want a great mix of quality and cost-effective coverage.
Excellent service in home insurance means providing easy-to-understand policies and fast claims processing.
Best for Service QualityChubb
MoneyGeek Score:
96/ of 100
Overview
Chubb is the best for service quality, thanks to its high customer satisfaction and coverage scores. It offers comprehensive home insurance with guaranteed replacement cost and building ordinance or law. You can save with discounts like new home and home renovation. For example, you get a discount if your home is 10 years old or less.
Chubb's coverages are great for homeowners. Guaranteed replacement cost helps rebuild your home even if costs go over your policy limit. Building ordinance or law pays to update your home to current codes. Cash settlement lets you choose cash if you don't want to rebuild.
Best Cheap Home Insurance in Macon-Bibb, GA
MoneyGeek found that Chubb is the best cheap home insurance option in Macon-Bibb, Georgia, for 100K dwelling coverage. The top two best cheap insurance providers for $100K dwelling coverage are:
- Chubb: MoneyGeek score of 99 out of 100 ($819 per year)
- Travelers: MoneyGeek score of 82 out of 100 ($969 per year)
When it comes to the average cost of homeowners insurance in Georgia, Chubb stands out for its high customer satisfaction and affordability, contributing to its leading MoneyGeek score. Opting for cheap home insurance often means choosing lower coverage, which could be easy on the wallet but risky if an accident occurs. In instances where saving on premiums is a priority, considering the cheapest homeowner insurance companies may be beneficial. Best cheap differs from cheapest by offering a balance of cost and value.
Best CheapChubb
MoneyGeek Score:
99/ of 100
Overview
Chubb is the best cheap company with a high MoneyGeek score due to its affordability and coverage. It offers comprehensive home insurance with guaranteed replacement cost and building ordinance or law. You can save with discounts like new home and home renovation. These help if your home is new or recently renovated. Chubb's coverages like cash settlement are useful, letting you choose cash instead of rebuilding. This makes Chubb a great choice for affordable and reliable home insurance.
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Rates updated:
Dec 24, 2024
Many factors affect homeowners insurance in Macon-Bibb, with location being one. Comparing rates is the best way to save but can take over an hour when checking three or more companies. MoneyGeek's home insurance calculator saves you time by highlighting key factors. Enter details like your age, coverage, credit score, and other details to get a quick estimate.
Cheapest Home Insurance in Macon-Bibb, GA
MoneyGeek found that Chubb offers the best home insurance in Macon-Bibb, Georgia. The primary factor that impacts home insurance premiums is the dwelling coverage you choose.
- For 100K Dwelling Coverage: Chubb: $819 per year
- For 250K Dwelling Coverage: Allstate: $1,722 per year
- For 500K Dwelling Coverage: Allstate: $2,879 per year
Chubb offers the lowest cost for homeowners in Macon-Bibb, Georgia, with a top score. Meanwhile, Allstate shines as the cheapest choice for both 250K and 500K coverage but doesn’t top the score list. Opting for the cheapest homeowners insurance in Macon-Bibb, Georgia, can effectively help balance your finances. You can check out cheapest homeowners insurance in Georgia for more insights.
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Coverages:$100K Dwelling
| Chubb | $819 |
| Travelers | $969 |
| Nationwide | $1,100 |
| Allstate | $1,198 |
| Auto-Owners Insurance | $1,259 |
| State Farm | $1,540 |
| Farmers | $1,730 |
Cheapest Home Insurance for High-Value Homes in Macon-Bibb, GA
Allstate offers the cheapest annual premium for high-value homes in Macon-Bibb, Georgia. High dwelling coverage is essential for homes that are costly to replace, and home insurance costs rise with coverage needs.
- Cheapest for $750K Dwelling Coverage: Allstate: $4,210 per year
- Cheapest for $1M Dwelling Coverage: Allstate: $5,546 per year
Allstate stands out in Macon-Bibb based on its low premium rates. According to MoneyGeek, it offers affordable options, though it might not have the highest score among other contenders.
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Coverages:1 - 750K dwelling
| Allstate | $4,210 |
| Auto-Owners Insurance | $4,307 |
| Chubb | $4,918 |
| Travelers | $6,268 |
| State Farm | $6,378 |
| Nationwide | $7,234 |
| Farmers | $7,832 |
Cheapest Home Insurance for New Homes in Macon-Bibb, GA
Chubb is the cheapest option for new homes in Macon-Bibb, Georgia, with a $100K dwelling coverage.
- Cheapest for $100K Dwelling Coverage: Chubb: $584 per year
- Cheapest for $250K Dwelling Coverage: Allstate: $998 per year
- Cheapest for $500K Dwelling Coverage: Allstate: $1,586 per year
Chubb is the least expensive choice for homeowners insurance in Macon-Bibb based on cost, although it may not be the best according to opinions. Always ensure you are adequately covered.
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Coverages:1 - $100K Dwelling
| Chubb | $584 |
| Nationwide | $613 |
| Allstate | $715 |
| Travelers | $715 |
| Auto-Owners Insurance | $904 |
| State Farm | $923 |
| Farmers | $1,188 |
How to Find the Best Home Insurance for You in Macon-Bibb, GA
The best cheap homeowners insurance providers offer a balance of quality and cost, providing excellent customer service and comprehensive coverage with affordable premiums.
The best cheap homeowners insurance in Macon-Bibb for you depends on your needs, considering factors beyond premiums. Factors include coverage options, customer service, and deductibles. Follow these steps to get the best cheap home insurance:
- 1
Evaluate Your Insurance Needs
To determine how much home insurance coverage you need, consider the rebuilding costs, personal property value, and liability needs specific to Macon-Bibb, Georgia.
- 2
Compare Different Providers
Research insurance companies operating in Macon-Bibb. Focus on those with strong financial stability, excellent customer reviews, and a history of quality service.
- 3
Compare Coverage and Costs
Once you know your coverage needs, compare home insurance quotes. In Macon-Bibb, Georgia, premiums for $100K dwelling coverage range from $819 with Chubb to $1,540 with State Farm annually.
- 4
Ask About Discounts
Inquire with each provider about possible discounts, such as those for bundling policies, installing safety features, or maintaining a claims-free record.
- 5
Increase Your Deductible
Opting for a higher home insurance deductible can reduce your premium, but ensure it's an amount you can afford in the event of a claim.
- 6
Improve Home Security
Enhancing home security with systems and robust locks can lower the risk profile of your home and potentially reduce insurance costs.
- 7
Maintain Good Credit
Maintaining a good credit score can influence your insurance rates in Macon-Bibb, Georgia. Pay bills on time and manage outstanding debt.
- 8
Bundle Policies
Consider bundling your homeowners insurance with other policies, like auto insurance, to receive discounts and savings.
FAQ: Best Cheap Home Insurance in Macon-Bibb, GA
The best cheap home insurance provider for you in Macon-Bibb depends on your coverage needs and budget. Get answers to some of the most commonly asked questions about the best cheap insurance rates in Macon-Bibb, Georgia.
How much is home insurance in Macon-Bibb, Georgia, on average?
The average annual home insurance premium in Macon-Bibb, Georgia, is $943.
What is the cheapest home insurance company in Macon-Bibb, Georgia?
The cheapest home insurance company in Macon-Bibb, Georgia, is Chubb, with an annual premium of $819.
What is the best home insurance company in Macon-Bibb, Georgia?
The best home insurance in Georgia for Macon-Bibb residents is provided by Chubb, with a MoneyGeek score of 99 out of 100.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.