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Kristine Lee

Insurance Analyst

  • Licensed Insurance Agent — Property and Casualty
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Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer. Before joining The Zebra, she was a…

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Renata Balasco

Senior Content Strategist

  • Licensed Insurance Agent — Property and Casualty

Renata joined The Zebra in 2020 as a Customer Experience Agent. Since 2021, she has worked as licensed insurance professional and content strategist.…

Georgia homeowners insurance: what you need to know

The average cost for home insurance in Georgia is $901 per year or $75 per month.  This is much less than the national average.  The easiest way to find an affordable homeowners insurance policy in Georgia is to compare rates from as many insurers as possible.

There are significant differences in homeowners insurance rates on a state-by-state basis. Policy prices in states may vary based on the total number and value of homeowners claims filed in that particular state including Georgia, and depend on the value of the belongings and structures covered by the policy.

Learn more about homeowners insurance costs in Georgia via the below data. Individual rates may vary depending on coverage options and the value of the dwelling being insured.


Table of contents:
  1. Rates by company
  2. Rates by coverage amount
  3. Rates by deductible amount
  4. Rates by city
  5. Bundling savings
  6. Frequently asked questions
  7. Natural disaster coverage


The cheapest home insurance companies in Georgia

Rates for home insurance in Georgia vary depending on the insurance company you choose. Farmers sells the most affordable home insurance in Georgia, at only $901 per year. This beats Georgia's average cost of $1,180 — $279 less than the statewide average.

Start shopping for a homeowners insurance policy by reviewing the most affordable Georgia insurance companies, listed below. You can also check out our guide to the best home insurance companies based on the results of The Zebra's Customer Satisfaction Survey.


Insurance Company Average Yearly Rate in Georgia
Farmers $901
AAA $926
Georgia Farm Bureau $1,030
LM General $1,380
Cincinnati Insurance $1,451


Georgia home insurance prices by coverage levels

How much you pay for home insurance coverage is greatly affected by the level of coverage you choose. In Georgia, carrying $100K dwelling coverage costs an average of $781 per year, while carrying additional coverage up to $400K costs $2,147 each year.


Coverage Level Average Annual Cost
$100,000 Dwelling $781
$200,000 Dwelling $1,180
$250,000 Dwelling $1,466
$400,000 Dwelling $2,147


Homeowners insurance deductibles in Georgia

Homeowners have a lot of decisions to make when purchasing a policy, including the amount of their deductible. The deductible is the total amount that the insured contributes toward a covered loss. The deductible that you decide on can impact your insurance rates directly.

Put simply, having a higher deductible leads to lower insurance rates. Therefore, if you are aiming for lower home insurance rates, you’ll want to keep your deductible higher. Keep in mind that your deductible should only be as high as you can reasonably afford if you suffer a loss.

Have a look at may of the typical deductibles offered by home insurance companies and an approximation of average insurance costs.


Deductible Tier Average Annual Homeowners Insurance Rate
$500 $1,613
$1,000 $1,466
$1,500 $1,387
$2,000 $1,310
$5,000 $1,111


Georgia homeowners insurance costs by city

Not all Georgia cities have the same homeowners insurance rates. Policies are often priced on city-specific variables like the number of homeowners claims filed nearby, meaning your specific ZIP code impact how much you pay.

The cheapest homeowners insurance in Georgia is available in Duluth. An average home insurance policy in Duluth costs $1,232 each year. The below table shows the best places to live in Georgia if you’re looking for cheap homeowners insurance.


City Average 12-Month Home Insurance Rate
Duluth $1,232
Grayson $1,235
Lawrenceville $1,238
Cumming $1,245
Buford $1,245


Learn more about homeowners insurance rates in Atlanta


Home and auto insurance bundling in Georgia

To trim a few dollars from your insurance costs, consider bundling your car and homeowners policies with the same insurance company. Bundling auto and homeowners insurance in Georgia can save you a substantial sum each month on car insurance. Purchasing bundled policies in Georgia leads to yearly savings of $131.



Avg. Annual Rate (No Bundle)

Avg. Annual Rate (w/ Bundle)

Annual Savings ($)

Annual Savings (%)

$1,532 $1,401 $131 9%



Georgia homeowners insurance FAQs


Do you have to have homeowners insurance in Georgia?

Your mortgage lender, not the state, may require you to carry home insurance in Georgia.

Why is homeowners insurance so costly in Georgia?

Homeowners rates in Georgia are high because of the state's relatively high risk of hurricanes and other water damage. These risks make business in Georgia more expensive for insurance companies and more expensive for customers.



Natural disaster coverage in Georgia


Does homeowners insurance cover hurricanes in Georgia?

Since hurricanes can cause calamitous damage and demolish buildings entirely, insurers remain unwilling to assume the full risk of hurricanes as a whole. If you own a house in Georgia, there could be increased risk of suffering hurricane damage. More than 8,000 single-family homes are at risk of hurricane damage in Georgia.*

If you reside near the coast, it's essential to confirm the details of your homeowners policy because usually a basic policy won't be enough to cover hurricane damage — you would need to fortify your policy with flood and windstorm insurance, both of which would be applicable to cover the damages. Depending on your location, your insurance company may make it compulsory to have a separate deductible for hurricanes if you reside in an area that's at high risk for hurricanes.

*Source: Insurance Information Institute



Company Average Annual Rate w/ Hurricane Endorsement
AAA $825
Georgia Farm Bureau $887
Farmers $895
Cincinnati $1,003
Allstate $1,237


Does homeowners insurance cover flooding in Georgia?

Damage from flooding, whether from a hurricane or a torrential downpour, is excluded from coverage by home insurance companies. Flood insurance is a necessity in Georgia, which paid out $10 million in flood insurance claims in 2016, according to FEMA.* To insure your home against flood damage, you should buy flood insurance from a private insurance company or through the National Flood Insurance Program (NFIP).

Flood insurance coverage from private companies may vary, but if you buy through the NFIP you are allotted coverage for:

  • $250,000 coverage for your home's structure
  • $100,000 coverage for your personal property

If the value of your personal property and house exceeds these limits, consider purchasing a flood insurance policy from our partners at Neptune for additional protection.

*Source: Federal Emergency Management Agency (FEMA)

Find an affordable homeowners policy in Georgia today!

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About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
  • The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.