Beach Insurance Group
3333 Northside Dr, Ste E, Macon, GA 31210
View this agency's profile to learn more about their services.
Loading...
City directory
Macon households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
Compare local agents, coverage options, and specialties to find the right fit for your insurance needs.
3333 Northside Dr, Ste E, Macon, GA 31210
View this agency's profile to learn more about their services.
3937 Bloomfield Rd, Macon, GA 31206
View this agency's profile to learn more about their services.
4568 Pio Nono Ave, Ste B, Macon, GA 31206
View this agency's profile to learn more about their services.
153 New St, Macon, GA 31201
View this agency's profile to learn more about their services.
3200 Riverside Drive, Suite B250, Macon, GA 31210
View this agency's profile to learn more about their services.
756 Poplar St, Macon, GA 31201
View this agency's profile to learn more about their services.
3319 Northside Dr, Macon, GA 31210
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to Macon residents.
Macon home insurance averages $2,024-$2,312/year. Learn about tornado risks, Ocmulgee River flooding, historic home coverage, and ways to save.
Car InsuranceMacon drivers pay $172/month for full coverage. Learn about Georgia's 25/50/25 requirements, at-fault system, and why higher limits matter on I-75/I-16.
General Insurance EducationComplete insurance guide for Macon residents. Learn about Georgia's auto requirements, flood risk near the Ocmulgee, and affordable life insurance options.
The average cost of home insurance in Macon ranges from $2,024 to $2,312 per year, depending on your coverage limits, deductible, and home characteristics. This is close to Georgia's state average of $2,004 annually. Your actual rate will depend on factors like your home's age, location, replacement value, credit score, and whether you bundle policies.
If your home is in a high-risk flood zone near the Ocmulgee River and you have a federally-backed mortgage, flood insurance is required. However, even homes outside high-risk zones can flood—about 25% of flood claims come from moderate- to low-risk areas. Since standard homeowners policies don't cover flood damage, a separate flood insurance policy through the National Flood Insurance Program or a private insurer is strongly recommended for properties near the river or in flood-prone neighborhoods.
Yes, standard homeowners insurance policies cover tornado damage, including wind damage to your roof, siding, and structure, as well as damage from debris. Macon has experienced tornadoes reaching EF2 intensity with winds up to 130 mph, so this coverage is essential. However, flood damage from heavy rains accompanying storms is not covered—you need separate flood insurance for that.
Historic homes in neighborhoods like Vineville, East Macon, and Fort Hill often need guaranteed replacement cost coverage or extended replacement cost coverage (125% to 150% of dwelling limits) because period features like original hardwood floors, custom millwork, and specialty windows are expensive to repair or replace. Many insurers also require a four-point inspection of the roof, electrical, plumbing, and HVAC systems for homes over 30 years old.
You can reduce your premiums by bundling home and auto insurance, raising your deductible, installing a monitored security system, upgrading to impact-resistant roofing, maintaining good credit, and shopping around for competitive rates. Strengthening your roof, updating old electrical and plumbing systems, and trimming trees near your home can also qualify you for discounts while reducing claim risks.
Georgia homeowners have seen rates increase by about 36% since 2019, with an 8.1% jump in 2024 alone. The main drivers are rising construction costs, more frequent severe weather events like tornadoes and thunderstorms, and overall inflation. These factors have increased the cost for insurers to pay claims, which gets passed along to policyholders through higher premiums.
Stand out to local shoppers with your team, specialties, and business hours. Member agencies get priority placement and more features.
Join the network