Find the Best Homeowners Insurance Rates & Companies in Georgia
Residents in Georgia pay about $1,267 per year for their homeowners insurance. Georgia residents pay just a bit more than the current national average for home insurance, which is $1,211 annually. The state ranks number 18 overall for the most expensive home insurance rates in the US.
The current average home price in Georgia is around $301,978. After spending so much on your home, not having it properly protected by the right coverage would be a shame. That's why you need the best homeowners insurance policy available in your area.
An independent insurance agent can help you get equipped with the right home insurance policy for you and your family. But before we get too far ahead of ourselves, here's a deep dive into homeowners insurance in Georgia.
Best Homeowners Insurance Companies in Georgia
While home insurance is available from a ton of different insurance companies in Georgia, a handful of options go above in beyond in terms of coverage and service. We've gone ahead and provided our top picks for the best homeowners insurance companies in Georgia, for your convenience. Start by checking out these top carriers:
- PURE: PURE offers many types of personal insurance, including home insurance. With its excellent financial strength and 24/7 claims reporting, PURE is a company you can trust.
- Progressive: Progressive has quite an extensive coverage catalog, including homeowners insurance. You can count on Progressive thanks to its outstanding financial strength and 24/7/365 customer service, not to mention the added bonus of dozens of coverage discount options.
- Nationwide: Nationwide also offers an extensive catalog of coverages in addition to home insurance. With its excellent ratings from both AM Best and the Better Business Bureau (BBB) and 24/7 claims reporting, Nationwide has proven to be a dependable carrier.
- Travelers: Travelers provides coverage for most anything you could need it for, including your home. With its extensive history, solid financial strength, 24/7 claims reporting, plethora of discount options, and excellent customer feedback, Travelers is a carrier you can't go wrong with.
Still not sure where to start your coverage journey? Work together with a Georgia independent insurance agent. They'll help you browse your home insurance policy options from these trusted carriers and even more, if necessary.
What Homeowners Insurance in Georgia Can Cover
You can rely on a home insurance policy to provide coverage for your home's physical elements, as well as your personal liability and more. Expect to find these basic coverages in a Georgia home insurance policy:
- Personal property: Can reimburse you for costs related to theft, damage, or destruction of your personal belongings like clothing if anything you've listed gets stolen, broken, etc.
- Dwelling: Can reimburse you for costs related to the damage or destruction of your home's physical structure by lightning, fire, vandalism, and more.
- Loss of use: Can reimburse you for many extra costs if you have to live somewhere else, like a hotel, while your home gets repaired after a major covered disaster like an explosion.
- Personal liability: Can reimburse you for the costs of an attorney and other legal expenses if you get sued by a third party for claims of bodily injury or personal property damage.
With that in mind, there are some disasters the state is prone to that might not be covered by home insurance. In Georgia, these natural disasters are especially common:
- Hurricanes
- Tornadoes
- Wildfires
- Severe storms
- Floods
To protect your home against water damage caused by natural sources like hurricanes and severe storms, you'll need a flood insurance policy. Home insurance specifically excludes this type of disaster. However, your home insurance policy can protect against damage caused by tornadoes and wildfires, and the wind that accompanies hurricanes.
What Homeowners Insurance in Georgia Will Not Cover
No matter where you live, home insurance won't cover just any disaster. In Georgia, you can expect to find these exclusions listed on your home insurance policy:
- Flood and water damage from natural sources
- Earthquake damage
- Insect infestation and pest damage
- Malicious/intentional acts against others
- Routine maintenance fees
- Wear and tear of the home
As a homeowner, it's considered your responsibility to maintain your home's upkeep, so your insurance won't cover maintenance or wear and tear costs. Also, keep these other costs in mind and plan to pay for them without going through your home insurance. Fortunately, earthquakes are extremely rare in Georgia, so you probably don't need to worry about adding earthquake insurance.
Flood damage in Georgia
Flooding events are quite common in Georgia, so it's critical to consider that your home might need extra protection beyond what's provided by a homeowners insurance policy. Talk to your local independent insurance agent about adding flood insurance to your coverage. That way, you won't ever be stuck paying for rebuilding or repair costs to your home after a hurricane, severe storm, or other natural flooding event.
Average Cost of Homeowners Insurance in Georgia
Home insurance average rates in Georgia are $1,267 per year, which is just a bit higher than the national average of $1,211. Georgia's home insurance rates are only the 18th highest in the US. Higher home insurance rates can be caused by a state's property values and the risk of natural disasters. They can also be impacted by local crime rates, the type of coverage you choose, and your personal claims history.
Average Georgia Home Insurance Costs by City
Home insurance rates vary by city within a state. In Georgia, residents in the city of Alpharetta currently pay the highest home insurance rates of the whole state on average, at $1,592 per year. The Georgia city with the best and cheapest homeowners insurance rates is Rome, where residents pay an average of only $947 annually for home coverage.
Average Georgia Home Insurance Costs by City
National average burglary rate 3.76 per 1,000 people
National average home value $269,000
National average home insurance cost $1,428 year
| City | Annual insurance cost | Avg. home value | Burglaries / 1,000 Residents |
| Albany | $1,032 | $88,800 | 15.08 |
| Alpharetta | $1,592 | $408,600 | 3.75 |
| Athens | $1,184 | $178,040 | 7.36 |
| Atlanta | $1,391 | $262,600 | 12.03 |
| Augusta | $1,055 | $97,735 | 7.22 |
| Columbus | $1,159 | $150,581 | 17.95 |
| Dalton | $1,141 | $133,646 | 5.29 |
| Decatur | $1,436 | $458,371 | 5.87 |
| Douglasville | $1,261 | $186,090 | 7.17 |
| Duluth | $1,290 | $206,642 | 2.36 |
| Gainesville | $1,170 | $168,005 | 4.95 |
| Lawrenceville | $1,024 | $159,535 | 5.14 |
| Macon | $1,011 | $92,914 | 21.86 |
| Marietta | $1,302 | $254,709 | 6.13 |
| Milledgeville | $1,069 | $123,020 | 9.71 |
| Peachtree City | $1,377 | $331,693 | 1.24 |
| Rome | $947 | $127,306 | 6.59 |
| Roswell | $1,420 | $345,400 | 2.73 |
| Savannah | $1,118 | $146,400 | 7.49 |
| Smyrna | $1,310 | $256,417 | 4.63 |
| Statesboro | $1,098 | $130,599 | 7.28 |
| Suwanee | $1,301 | $282,531 | 4.4 |
| Valdosta | $1,021 | $124,711 | 1.04 |
| Warner Robins | $981 | $105,900 | 1.18 |
| Woodstock | $1,199 | $222,585 | 4.1 |
Popular Questions About Georgia Home Insurance
Georgia's average annual home insurance rate is $1,267, meaning the monthly rate is about $106. These rates are slightly above the current national average of $1,211 per year, or about $101 monthly.
Georgia doesn't require residents to have homeowners insurance by state law. However, if you have a mortgage on your home, you'll most likely be required to have home insurance by your lender.
Our research found that a few homeowners insurance companies in Georgia outshine the rest. Our top picks for the best home insurance companies in Georgia are PURE, Progressive, Nationwide, and Travelers.
When calculating your Georgia home insurance rates, insurance companies factor in the area's property values, crime rates, and risk of natural disasters along with the coverages you select and your past claims history.
Yes, there are tons of independent insurance agents available in the state of Georgia. In fact, independent insurance agents in Georgia are always standing by to help you find the best blend of coverage and cost when it comes to home insurance. These agents can greatly simplify your quest for coverage, as well as help you file claims and maintain your policy over its lifespan.
The most common home insurance coverages in Georgia are personal property coverage, dwelling coverage, additional living expenses, and liability coverage. However, discounts always vary by each unique insurance company. Common home insurance discounts include bundling discounts, discounts for upgrading your home's roof, electrical systems, or plumbing, and discounts for living in a gated community.
Since there's no one-size-fits-all home insurance policy, it's best to work with a trusted expert along your coverage journey. Independent insurance agents in Georgia are familiar not only with the area, but also with the best options for home insurance. Together, they'll help you find the right policy for you at the best possible rate, by comparing quotes from several different carriers together in one place. Now that's convenient.
Do you know what your home insurance in covers in Georgia?
Average Cost of Home Insurance Near You
The average monthly cost of homeowners insurance in Albany, GA is $86.
Your home insurance cost might be a little more or less than the average. It all depends on several factors like your home's age, size and location, and personal factors like your credit score. Albany house values are lower than average for the state, and this keeps insurance costs on the low side, as less coverage is needed to enable rebuilding in the event of a total loss. Unfortunately, the high burglary rate in this city can drive up costs in some of the city’s ZIP codes.
Your Albany home insurance can cover against losses caused by property crime and certain liability lawsuits. Most importantly, however, it covers against most inclement weather hazards. Whether it's from a tornado or a tropical storm, wind damage can be a serious threat for Albany homes. Homeowners insurance gives you a backup plan. If your home is damaged by wind, you can file a claim to get the money you need to repair your roof or replace broken glass in your windows.
The average monthly cost of home insurance in Athens, GA is $99.
The cost of homeowners insurance can vary from one property to the next. It all depends on things like your credit score, previous claims history, and the age, value, and square footage of your home. In this city, higher-than-average property values and burglary rates each play a role in causing higher rates for many residents.
Home insurance is designed to cover the cost of loss and damage caused by hazards that are likely to strike in Athens. One example is tornadoes. Imagine for a moment that a twister has just traveled through Athens, leaving behind a trail of damage across your neighborhood. The wind has caused serious problems for your home, ripping off a large section of your roof and blowing over a tree that has fallen through the kitchen window. Home insurance can pay to repair damage after a tornado touches down in Athens.
The average monthly cost of home insurance in Atlanta, GA is $116.
Several factors can influence how much you pay for your homeowners insurance policy. The value of your home plays a large role in the cost of your coverage. While the average home values in Atlanta exceed the state average, there is a wide variety within the city. Also, neighborhood crime can drive up rates; unfortunately, theft is fairly common in many parts of this city. Depending on your ZIP code, this could increase your premium.
Home insurance is designed to cover you against the hazards you face as a homeowner. Consider the following example: In the middle of the night, you hear a sudden crash from downstairs. When you go investigate, an intruder flees in a hurry, taking some of your valuables with him. With a police report, your homeowners insurance can cover the cost to repair the damage to your home and can even pay to replace the items that were stolen.
The average monthly cost of home insurance in Augusta, GA is $88.
Your home insurance could be more or less than this average. Premiums vary based on factors like your ZIP code, the size and age of your home, and your credit score. In Augusta, home values are relatively low, so homeowners need less coverage. This drives rates down. However, the burglary rate is higher than the state average, so depending on where in Augusta you live, it might make your rates a little higher.
Imagine this scenario: One minute, you're folding laundry, and the next you're dealing with a sudden rush of water from a burst pipe on your washing machine. Water damage can happen quickly, but your homeowners insurance is designed to pay for most repairs.
The average monthly cost of home insurance in Columbus is $97.
Your premium could be higher or lower than this average. It all depends on the size, age, and value of your home, your neighborhood crime rate, your claims history, and several other factors. In Columbus, home prices are lower than the state average, but the burglary rate is very high. Depending on where you live within the city, this may have an adverse effect on your costs.
Your home insurance is designed to cover you against the various risks you face as a homeowner. Consider the following scenario: As a heavy storm passes over Columbus, steady rain begins to seep through a small hole in your roof. Water starts to accumulate in your attic and then drip down through the attic floor into your bedroom. Water damage is a serious problem, and it can happen quickly. Your homeowners insurance may cover the cost to repair your roof and any damage to your attic and living areas.
The average monthly cost of home insurance in Decatur, GA is $120.
There are several variables that will impact your customized rate for homeowners insurance, including the size of your home, your home's building materials, the local crime rate, and your credit score. In Decatur, where some of the state’s most expensive homes can be found, the insurance rates to cover these homes is on the high side. Fortunately, the relatively low crime rate helps to keep these costs affordable.
Your Decatur home insurance policy is designed to cover your financial losses resulting from most cases of inclement weather, property crimes, and even many liability lawsuits. Be aware, however, that flood damage coverage is not included in home insurance, so you will need to purchase a separate flood insurance policy to be covered against this risk.
The average monthly cost of homeowners insurance in Duluth, GA is $108.
Multiple factors can impact your homeowners insurance premiums. Your home's square footage and building materials, the neighborhood crime rate, and even your credit score can influence how much you end up paying for coverage. Property values are high in Duluth, so residents need a lot of coverage. Fortunately, the low crime rate in the city helps to keep the cost of this extra coverage affordable.
You have invested a lot in your house. Your home insurance policy is designed to protect your finances if your house is damaged by a covered event such as high wind, accidental fires, and property crimes. One thing that it does not cover, however, is flood damage.
The average monthly cost of homeowners insurance in Macon, GA is $84.
Your home insurance could cost more or less, based on variables like your credit score, the size and age of your home, and the building materials from which your house was constructed. Home values are relatively low in this city, but the burglary rate is exceedingly high. This can force rates for coverage higher in some ZIP codes.
Macon homeowners insurance can cover financial losses brought about by a wide variety of hazards that residents in this area face. Summer storms in Macon are sometimes severe, and high winds and lightning put area homes at risk for damage. Fortunately, you can file a claim with your homeowners insurance to cover the cost of repairs.
The average monthly cost of homeowners insurance in Roswell, GA is $118.
Every homeowner in Roswell will have a customized home insurance premium based on a variety of factors, including the size and age of the home, the neighborhood crime rate, and the applicant’s credit score. Property values in this city are high, and higher coverage needs result in higher prices. Fortunately, the city’s low crime rates help to keep insurance costs affordable for most residents.
A Roswell home insurance policy can cover a homeowner against a wide variety of hazards, such as inclement weather. When serious storms pass through Roswell, they occasionally deliver hail. This can lead to major damage to your home's roof. If you discover missing shingles or a leak in your roof after a hailstorm, file a claim and your homeowners insurance will cover the cost of roof repairs.
The average monthly cost of home insurance in Savannah, GA is $93.
Every homeowner will have a personalized premium that is based on the size and location of their home, their credit score, the property crime rate within their ZIP code, and several other factors. Your quoted premium could therefore be significantly higher or lower than this amount.
In Savannah, overall home values are lower than the state average and burglary rates are just a bit higher. This is why on average, homeowners in the city pay less than the state average for their coverage. Your home insurance is designed to cover you against loss and damage caused by property crimes, severe weather, and accidents like fire. It takes only a small spark to cause a roaring house fire. If your Savannah home catches fire, your home insurance can cover the cost to rebuild your home or repair the damage.
https://www.zillow.com/home-values/16/ga/
https://gema.georgia.gov/georgia-disaster-history