Miller-Vogel Insurance
731 6th St, Jesup, IA 50648
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731 6th St, Jesup, IA 50648
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to Jesup residents.
Jesup home insurance guide: hurricane risks, Altamaha River flooding, wind/hail deductibles, and how to get the right coverage without overpaying.
Flood insurance isn't required by mortgage lenders in most of Jesup because the area falls in FEMA Zone X, outside the 100-year floodplain. However, Jesup has a high flood risk score and faces moderate hurricane risk, with recent storms causing billions in damage across Georgia. The average flood policy costs $803 annually in Georgia, and since standard homeowners insurance doesn't cover flooding, it's worth considering based on your property's elevation and proximity to water.
Georgia requires minimum liability coverage of 25/50/25, which means $25,000 per person for bodily injury, $50,000 total per accident for bodily injury, and $25,000 for property damage. These limits haven't changed for 2025 or 2026, but many insurance experts recommend higher limits like 100/300/100 since accident costs often exceed these minimums and you'd be personally liable for the difference.
Homeowners insurance costs in Jesup vary based on your home's value, age, construction, and coverage limits, but you can expect to pay less than the Georgia state average since the median home price in Jesup is only $79,196. Most homeowners pay between $800 and $1,500 annually for standard coverage, with additional costs if you add flood insurance (around $803 per year) or increase your liability limits.
Bundling your auto and home insurance with the same carrier typically saves 15-25% on your combined premiums and simplifies your insurance management with one agent and one payment. Given that Wayne County's median household income is around $49,562, those savings can be substantial. Most local Jesup agencies offer bundling options, so it's worth asking for quotes that include both policies together.
A standard homeowners policy in Georgia covers your home's structure, personal belongings, liability if someone is injured on your property, and additional living expenses if you need to move out temporarily after a covered loss. It typically protects against wind damage, fire, theft, vandalism, and falling objects. However, it does not cover flood damage, earthquakes, or normal wear and tear, which require separate policies or endorsements.
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