Home Insurance in Warner Robins, GA

Protect your most valuable asset from the unexpected with home insurance in Warner Robins, GA.
Compare, shop and customize quotes from top-rated insurance carriers.

Shielding Your Warner Robins Homestead With Insurance Coverage

With more than 80,000 residents, Warner Robins is the 11th largest city in the Peach State. It's also a great place to buy a home with hundreds of properties on the market. If you're moving to the area, you can find the most affordable rates on home insurance in Warner Robins, GA, by comparing prices with VIU by HUB.

Buying a Home in Warner Robins

This fast-growing city has seen an incredible population increase of 65% over the past 20 years, according to data from Sperling's Best Places. Many people make the move to Warner Robins because of the low cost of living, about 20% below the national average. The area also has affordable housing, positive job growth and an unemployment rate of just 4%.

Risks of Owning a Home in Warner Robins

Prospective homebuyers in central Georgia should be aware of the city's elevated tornado risk. The state experiences an average of six tornados a year. including the one that struck the Statham's Landing neighborhood in Warner Robins in 2022. Many local homeowners suffered more than $100,000 in property damage. Hurricanes also pose a concern for people who own property here.

In addition, Sperling reports a higher-than-average rate of property crimes in Warner Robins. The city ranks 77.9 in this area on a scale of 1 to 100, with higher numbers indicating a higher crime rate. In comparison, the national average rate of property crimes is 35.4.

Cost of Home Insurance in Warner Robins, GA

The average cost of home insurance in the Warner Robins metro area is $1,393 per year for a home worth $250,000. That's right in line with the average rate for the entire state, and slightly lower than premiums in Atlanta, Augusta and Columbus. If you buy a higher-value home, you will need to adjust your coverage accordingly to pay for potential loss.

Home insurance costs vary for similar properties in the same state based on factors like crime rate, the size of the home, the property's condition, renovations and distance from fire and emergency services. However, you can still save significantly by comparing quotes from multiple lenders with VIU by HUB.

The Importance of a Comprehensive Home Insurance Policy

You can mitigate the risks of property investment in Warner Robins with homeowner's insurance coverage. Most basic home insurance policies cover damage and financial loss related to:

  • Theft or vandalism, including the value of stolen property and damage to the home caused by a break-in
  • Severe weather such as fallen trees, hail and lightning
  • Household fires that arise from faulty wiring, cooking accidents and other factors
  • Water damage that does not relate to a flood
  • Legal costs associated with an injury that happens on your property

In addition to these basic coverage areas, you can customize your policy to ensure protection for all your valuables. For example, you may want to purchase a policy rider with additional coverage for jewelry, family heirlooms or rare collectible items. If you buy a home in a flood-prone area of Warner Robins like near Wilkinson Lake or Williams Lake, consider investing in a policy that pays for flood damage in addition to standard coverage.

Home insurance in Warner Robins can vary dramatically from one provider to the next. You can potentially save hundreds of dollars by getting a quote from multiple insurance companies.With VIU by HUB, you can quickly and easily compare rates online today for home insurance in Warner Robins, GA.

This information is intended for general informational purposes only and is not intended to constitute legal advice.


Sperling's Best Places



National Weather Service

Home insurance in Georgia by city

Understand risks, minimum state coverage requirements, average costs and other specifics that can impact auto insurance policies and premium rates in your city.