Georgia Homeowners Insurance

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

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How to get affordable insurance for your home in Georgia


Homeowners insurance is an optional — but important — product that works to keep your belongings safe in the event your house or property suffers damage from common incidents. A homeowners insurance policy protects your dwelling, personal property, and other buildings in the event of an array of misfortunes, including theft, fire, vandalism, or wind damage.

Unlike car insurance, home insurance is not priced specifically by state. Even so, major discrepancies exist in home insurance rates from state to state. Home insurance rates in a given state may vary based on the number of — and value of — home insurance claims made in the state, and depend on the value of the belongings and structures covered by the policy.

The easiest way to acquire affordable homeowners insurance in Georgia is to shop around and compare rates from multiple companies. Learn more about home insurance rates in Georgia by reviewing the below data. Remember: your home insurance rates will vary, depending on your coverage limits.


Georgia homeowners insurance:
  1. By company
  2. Costs by city
  3. Rates by coverage level
  4. Rates by deductible level
  5. Bundling
  6. FAQs


Home insurance rates in Georgia by company

Prices for home insurance in Georgia differ based on the insurer you select. Farmers underwrites the most affordable home insurance policies in Georgia — only $901 annually. This compares favorably to Georgia's average cost of $1,619, offering a $718 price cut on average statewide homeowners insurance costs.

Begin your search for a homeowners insurance policy by reviewing the most affordable Georgia insurance companies, listed below.


THE CHEAPEST HOMEOWNERS INSURANCE COMPANIES IN GEORGIA
CompanyAverage 12-Month Rate in Georgia
Farmers$901
AAA$926
Georgia Farm Bureau$1,030
LM General$1,380
Cincinnati Insurance$1,451


Georgia home insurance costs by city

Homeowners insurance rates in Georgia differ by city. Policy pricing may depend on city-specific variables, such as the likelihood of weather-related claims in the area, giving your ZIP code weight in deciding how much you pay.

The cheapest home insurance rates in Georgia are available in Athens. A typical home insurance term in Athens costs just $1,401 per year — $218 less than the average homeowners policy in other Georgia cities. The below cities have the most affordable home insurance in Georgia.


CHEAPEST HOME INSURANCE CITIES IN GEORGIA
CityAverage Annual Home Insurance Rate
Athens$1,401
Gainesville$1,435
Smyrna$1,436
Alpharetta$1,438
Mableton$1,445


Average home insurance rates in Georgia by coverage level

How much you pay for home insurance coverage is greatly impacted by the level of coverage you choose. In Georgia, carrying $200,000 dwelling coverage costs an average of $1,180 per year, while maintaining coverage up to $400,000 costs as much as $2,147 per year.


HOMEOWNERS INSURANCE RATES IN GEORGIA — COMMON COVERAGE LIMITS
Coverage LevelAverage Annual Rate
$100,000 Dwelling$781
$200,000 Dwelling$1,180
$250,000 Dwelling$1,466
$400,000 Dwelling$2,147


Compare Homeowners Insurance Rates


Homeowners insurance deductibles in Georgia

One of the many decisions to be made when shopping for a homeowners policy is the amount of your deductible. A deductible is the amount for which a homeowner is responsible before the insurer will cover a claim. Where you set your deductible can play a significant role in the cost of your insurance coverage.

When deciding on a deductible, keep in mind that the higher your deductible is, the lower your premiums will be. This means that those seeking lower home insurance costs will want to think about getting a higher deductible. Be mindful of the fact that your deductible should only be as high as you can reasonably afford if you suffer a loss.

Have a look at some of the typical deductibles offered by home insurance companies and an estimate of what you can expect your premiums to be.


HOMEOWNERS INSURANCE RATES BY DEDUCTIBLE IN GEORGIA
Deductible TierAverage Annual Homeowners Insurance Rate
$500$1,613
$1,000$1,466
$1,500$1,387
$2,000$1,310
$5,000$1,111


Home and auto insurance bundles in Georgia

If you’re seeking ways to save on your insurance expenditures, consider holding 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 your auto insurance policy. Bundling home and auto policies in Georgia leads to average annual savings of $131.


HOME AND AUTO INSURANCE BUNDLING DISCOUNTS IN GEORGIA
Avg. Annual Auto Insurance Rate (No Bundle)Avg. Annual Auto Insurance Rate (Bundle)Annual Bundle Savings% Savings with Bundle
$1,532$1,401$1319%


A great way to save is to bundle your auto and homeowners insurance policies. Find a policy today!


Looking for info on home insurance in a particular city?

  1. Atlanta


Georgia homeowners insurance FAQs


Do you have to have homeowners insurance in Georgia?

Your mortgage, not the state, will require you to carry home insurane in Georgia.

Does GEICO offer home insurance in Georgia?

Yes - GEICO offers home insurance in Georgia.

Why is homeowners insurance so costly 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


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, you could face elevated risk of 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 a basic policy may not 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. Georgia homeowners insurance with a 2% hurricane deductible comes at an average annual cost of $1,198.

While “hurricane insurance” doesn’t actually exist as a standalone product, most home insurance policies will typically cover most perils associated with the storm. If you own a home in a state at risk of hurricanes, you could face what is known as a "windstorm" or "hurricane" deductible. Only triggered in certain conditions, these specialized deductibles work differently than the deductible for a standard peril. For a start, they are oftentimes more expensive, based on a percentage of your home's overall value. It's important to note, however, that flooding is almost never covered by standard homeowners policies. The National Flood Insurance Program can provide this coverage, in most cases.

Below are some affordable choices for hurricane coverage in Georgia. Consider the following rates mere estimates. For rates specific to your property, reach out to these companies directly.

 

AFFORDABLE HOMEOWNERS HURRICANE COVERAGE IN GEORGIA
Insurance CompanyAverage Annual Hurricane Insurance Rate
AAA$813
Farmers$842
Georgia Farm Bureau$887
Cincinnati$1,023
LM General$1,130

*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.


Compare homeowners insurance policies today!

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Ross Martin LinkedIn

As a licensed insurance agent, Ross is responsible for researching and writing about all matters related to auto and home insurance. He has a background in writing and education, as well as a masters degree from Royal Holloway, University of London. He has been quoted by Kin Insurance, Safety.com, and autoinsuranceEZ.com.