Keith Miller Inc, Dba NW Insurance
412 Court St, Savannah, MO 64485
View this agency's profile to learn more about their services.
Loading...
City directory
Savannah 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.
412 Court St, Savannah, MO 64485
View this agency's profile to learn more about their services.
426 Court St, Savannah, MO 64485
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to Savannah residents.
Savannah home insurance averages $3,053/year. Learn about flood zones, hurricane coverage, historic district requirements, and how to save on coastal Georgia premiums.
Car InsuranceSavannah drivers pay $2,807/year for full coverage. Learn how coastal risks, I-95 traffic, and tourism affect your rates—plus how to save.
Car InsuranceSavannah auto insurance guide: Georgia's 25/50/25 minimums, at-fault rules, I-95 risks, hurricane coverage, and military discounts. Get the protection you need.
General Insurance EducationEssential insurance guide for Savannah residents covering auto requirements, homeowners costs, flood protection, and historic property coverage in coastal Georgia.
While flood insurance isn't legally required outside Special Flood Hazard Areas, it's still worth considering for Savannah homes. The city's low elevation, flat terrain, and tidal influence mean flooding can occur even in lower-risk zones during heavy rainfall or tropical storms. About 25% of flood claims come from moderate-to-low risk areas, and flood insurance is typically much more affordable in these zones than in high-risk areas.
Savannah's coastal location drives up insurance costs significantly. The city sits directly in the path of Atlantic hurricanes and tropical storms, creating higher risk for wind and water damage. Combined with low elevation, proximity to tidal waters, and the Savannah River, these factors make claims more likely and more expensive for insurers, who pass those costs to homeowners through higher premiums.
Historic homes in Savannah typically require guaranteed replacement cost coverage rather than actual cash value policies, since period-appropriate materials and restoration methods are expensive. Insurers will closely evaluate your home's electrical, plumbing, and structural systems, sometimes requiring upgrades. You'll also need to ensure your coverage limits account for the cost of meeting Historic District Board of Review requirements if you need to rebuild or make major repairs.
Standard homeowners insurance covers wind damage from hurricanes, but not flooding—even if the flood is caused by a hurricane. You'll need separate flood insurance for storm surge or rainfall flooding. Also, most coastal Georgia policies have a separate hurricane deductible (usually a percentage of your dwelling coverage) that's higher than your standard deductible, so budget accordingly for out-of-pocket costs after a named storm.
Start by improving your credit score, which has the biggest impact on premiums in Georgia. Shop multiple insurers since quotes can vary by thousands of dollars for identical coverage. Ask about discounts for impact-resistant roofing, storm shutters, security systems, newer roofs, and updated electrical or plumbing. Bundling home and auto insurance typically saves 15-25%, and increasing your deductible can lower your premium if you have adequate emergency savings.
Visit SAGIS.org and use their "Find My Flood Zone" tool to determine your property's flood zone designation. You can also contact the City of Savannah's Floodplain Management office or check your mortgage documents, which should identify your flood zone if you have a federally-backed loan. Knowing your zone helps you understand whether flood insurance is mandatory and what your premiums might be.
Stand out to local shoppers with your team, specialties, and business hours. Member agencies get priority placement and more features.
Join the network