Is it a requirement in Georgia that you have full rebuild coverage & 50% of that for personal property for a home with a mortgage?

When it comes to rebuild coverage, limits are completely up to the mortgage company you go through and depend on what they require. Most insurance companies will not insure the home unless it is at full replacement cost. Personal property is usually at 70% of rebuild cost but it can always be lowered. To find the right coverage limits needed, be sure to contact your mortgage company to discuss the requirements of your homeowner's insurance.