Georgia Homeowners Insurance

Finding homeowners insurance doesn’t need to be stressful. Compare rates by city and carrier below.

How to find homeowners insurance in Georgia


Homeowners insurance isn't required, but it is important. A home insurance policy keeps your personal items protected. A homeowners insurance policy protects your house and property in the event of an array of circumstances, including wind damage, fire, theft, vandalism, and others.

Major discrepancies exist in homeowners insurance rates from state to state. Insurance policy rates in US states vary depending on the value of — and total number of — homeowners policy claims filed in the state, and depend on the value of the dwelling and belongings being insured.

The easiest way to find affordable homeowners insurance in Georgia is to compare rates and consider policies from as many companies as possible. Learn more about homeowners insurance costs in Georgia by referencing the below tables. Individual rates may vary depending on coverage options and the value of the dwelling being insured.


Georgia home insurance:
  1. Rates by company
  2. Homeowners rates by city
  3. Insurance bundling discounts


Home insurance rates in Georgia by insurer

Rates for home insurance in Georgia can vary depending on which insurance company you use. Farmers provides the most affordable home insurance policies in Georgia — $901 yearly. This compares favorably to the state average cost of $1,619, providing a $718 price break on rates typical to the state.

Begin your search for a home insurance policy by viewing average rates from top Georgia carriers, listed below.


THE MOST AFFORDABLE HOMEOWNERS INSURANCE COMPANIES IN GEORGIA
CompanyAverage 12-Month Rate in Georgia
Farmers$901.11
AAA$925.77
Georgia Farm Bureau$1,029.85
LM General$1,379.55
Cincinnati Insurance$1,450.58


Georgia home insurance prices: by city

Home insurance rates in Georgia vary depending on the city. Policy pricing may depend on city-specific variables, such as the number of local claims filed, meaning your ZIP code could have a major impact on how much you pay.

The best homeowners insurance in Georgia is found in Athens. An average home insurance policy in Athens costs just $1,401 each year — $218 less than the average Georgia rate. The below cities have the most affordable homeowners insurance in Georgia.


AFFORDABLE HOMEOWNERS INSURANCE BY CITY IN GEORGIA
CityAverage Annual Home Insurance Rate
Athens$1,401.10
Gainesville$1,435.34
Smyrna$1,436.00
Alpharetta$1,437.79
Mableton$1,445.44


How to save: bundle home and auto insurance in Georgia

If you want to save on insurance, consider purchasing both your car and home insurance policies from one company. Bundling home and auto insurance in Georgia can save you a substantial sum each month on auto insurance. Purchasing bundled policies in Georgia leads to yearly savings of $131.


HOME AND AUTO INSURANCE BUNDLING DISCOUNTS IN GEORGIA
Avg. 12-Month Auto Insurance Rate (No Bundle)Avg. Annual Auto Insurance Rate (Bundle)Annual Bundle SavingsBundle Savings %
$1,532.00$1,401.00$131.009%


One of the best ways to save on auto insurance is to bundle policies. Compare rates today!


Compare rates from top car insurance companies.

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Homeowners insurance and 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. In fact, 8,887 single-family homes are at extreme 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 (https://www.iii.org/fact-statistic/facts-statistics-hurricanes)

 

Flooding and homeowners insurance in Georgia

Damage from flooding, whether from a hurricane or a torrential downpour, is excluded from coverage by home insurance companies. 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 home exceed these limits, consider purchasing a policy from a private company for additional protection. Flood insurance is a necessity in Georgia, which paid out $10,079,591 in flood insurance claims in 2016, according to FEMA.