Integrity Insurance & Financial Services, LLC
311 N. Rollins St., Macon, MO 63552
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311 N. Rollins St., Macon, MO 63552
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to Macon residents.
Macon 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.
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.
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