Macomber Farr & Whitten
One Market Square, Suite 201, Augusta, ME 04330
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One Market Square, Suite 201, Augusta, ME 04330
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1 Market Square, Suite 201, Augusta, ME 04330
View this agency's profile to learn more about their services.
235 Western Ave, Augusta, ME 04330
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Learn about insurance coverage options specific to Augusta residents.
Augusta home insurance averages $2,004-$2,435/year. Learn about Savannah River flood risk, historic district coverage, and costs for Richmond County homes.
General Insurance EducationComplete insurance guide for Augusta, ME residents. Learn about flood risks, auto requirements, homeowners coverage, and special considerations for state employees.
Car InsuranceAugusta drivers pay $225/month for full coverage. Learn Georgia's 25/50/25 minimums, I-20 corridor risks, and Masters week considerations. Compare quotes now.
Car InsuranceAugusta auto insurance averages $96/month. Learn Maine's 50/100/25 requirements, at-fault system, winter coverage needs, and how to save on your policy.
Even if you're not in a designated high-risk flood zone, flood insurance is worth considering in Augusta. The city has experienced 24 flood events since 1996, and 25% of flood claims nationally come from outside high-risk areas. If you're anywhere near the Savannah River or in low-lying areas, the $500-$1,500 annual cost is far less than the $20,000+ you'd pay out of pocket for flood damage that your regular homeowners policy won't cover.
Augusta homeowners typically pay between $2,004 and $2,435 annually for standard home insurance with about $300,000 in dwelling coverage. Your actual cost depends on factors like your home's age, location, credit score, and claims history. Historic homes in neighborhoods like Summerville or Downtown Augusta often cost more to insure due to higher replacement costs for period-specific materials and craftsmanship.
Georgia home insurance rates have increased 36% since 2019, with a 12% jump in the past year alone. Insurance companies are responding to increased storm damage from hurricanes and tornadoes, inflation in construction costs, and the rising expense of replacing homes with current materials and labor. These industry-wide factors affect all homeowners, not just those who've filed claims.
Yes, standard homeowners insurance covers hurricane wind damage to your roof, siding, windows, and interior. However, it does not cover flood damage from hurricane storm surge or heavy rain—that requires separate flood insurance. Since Augusta can experience hurricane impacts and has significant flood history along the Savannah River, you likely need both types of coverage for complete protection.
Credit score has a dramatic impact on Georgia home insurance premiums. Homeowners with poor credit pay an average of $4,275 annually, which is 76% more than those with good credit—a difference of over $2,200 per year. Improving your credit score before shopping for home insurance can save you hundreds or thousands of dollars annually.
Historic homes in Augusta's designated districts like Summerville and Downtown Augusta require special consideration because replacement costs are higher. Original architectural details, period-specific materials, and specialized contractors cost more than standard construction. Make sure your dwelling coverage reflects actual replacement cost, not just market value—a $210,000 historic home might need $300,000+ in coverage to properly rebuild after a loss.
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