Best Homeowners Insurance in Georgia
We analyzed data from more than 150 insurance companies to find the cheapest home insurance rates in Georgia.
We analyzed data from more than 150 insurance companies to find the cheapest home insurance rates in Georgia.
The easiest way to find an affordable homeowners insurance policy in Georgia is to compare rates from as many insurers as possible. 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.
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.
| Company | Average 12-Month Rate in Georgia |
| Farmers | $901 |
| AAA | $926 |
| Georgia Farm Bureau | $1,030 |
| LM General | $1,380 |
| Cincinnati Insurance | $1,451 |
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.
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 Rate |
| $100,000 Dwelling | $781 |
| $200,000 Dwelling | $1,180 |
| $250,000 Dwelling | $1,466 |
| $400,000 Dwelling | $2,147 |
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 Level | Average Annual Home Insurance Rate |
| $500 | $1,613 |
| $1,000 | $1,466 |
| $1,500 | $1,387 |
| $2,000 | $1,310 |
| $5,000 | $1,111 |
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% |
Your mortgage, not the state, will require you to carry home insurance in Georgia.
Yes - GEICO offers home insurance in Georgia.
Homeowners rates in Georgia are high because of the propensity for hurricanes and other water damage. These risks make business in Georgia more expensive for insurance companies and thus more expensive for customers.
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 (https://www.iii.org/fact-statistic/facts-statistics-hurricanes)
| Company | Average Annual Rate w/ Hurricane Deductible |
| AAA | $825 |
| Georgia Farm Bureau | $887 |
| Farmers | $895 |
| Cincinnati | $1,003 |
| Allstate | $1,237 |
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:
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 million in flood insurance claims in 2016, according to FEMA.
The Zebra is not an insurance company. We’re an independent, unbiased partner for consumers, on a mission to help you compare insurance options apples-to-apples, so you can make a truly informed decision. We’re proud because:
