Best and Cheapest Home Insurance Quotes in Georgia (2021)

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Georgia Average Cost of Homeowners Insurance Rates (2021)

According to 2021 rates, the average cost of homeowners insurance in Georgia is $1533 per year and $128 per month. Georgia homeowners insurance rates are $135 per year more then the national average and about 10% more annually. When compared to the other US states that makes the cost of homeowners insurance in Georgia the 14th most expensive in the country, based on 2021 data.

For shoppers, the best way to find a homeowners insurance policy in Georgia is to evaluate all of the quotes from individual insurance providers and then decide on the policy that fits your requirements and budget level. Fortunately finding the right homeowners insurance coverage is easy with a tool like Insurify.

Insurify provides easy and fast home insurance quote comparisons for all kinds of homeowners nationwide. Insurify has helped thousands of customers receive accurate homeowners quotes for your property in Georgia in minutes.

Average Cost Per Month$128
Average Annual Premium$1533
State Rank (Most Expensive)14th

Cheapest Insurance Companies for Homeowners in Georgia (2021)

For homeowners in Georgia, it's important that you evaluate all of your potential insurance options to ensure you are finding the best rate. Comparing the right insurance companies will allow you to get the best possible insurance rate for your home.

To simplify comparing companies, Insurify has analyzed rates from top insurance providers in Georgia. The following are the best insurance rates from carriers that offer homeowners insurance in Georgia.

Cheapest Companies
farmers

Farmers

$949/yr
nationwide

Nationwide

$1,510/yr
allstate

Allstate

$1,539/yr
usaa

USAA

$1,792/yr
alfa

Alfa

$1,923/yr

How to Get Affordable Home Insurance in Georgia

Purchasing a home will be one of the largest financial investments of your lifetime. With that investment, inevitably, comes risk. However, there are steps homeowners can take to minimize risk and protect their investment, including finding the right Georgia home insurance policy.

The first step to protecting your property is homeowners insurance. Though not required by law, home insurance provides financial liability for your property and belongings from natural disasters or theft. Different coverage levels are available for different property types, locations, and other factors. 

For a number of reasons, a similar homeowners insurance policy may cost more in Savannah than it does in Athens. So, it’s always important to comparison shop before committing to a single company. 

Homeowners insurance rates aren’t designed with savings in mind. That’s where Insurify comes in.

Homeowners Insurance Quotes in Georgia by Company

For many reasons, different companies assess your risk differently. That’s why you get a range of quotes when you conduct comparison shopping-- and why we recommend comparison shopping every time you need insurance. 

The following quotes are general estimates of annual home insurance premiums throughout Georgia, insurance companies offer different coverage levels and some even offer bundling options for your home and auto insurance. 

Keep in mind that pricing changes depending on coverage levels and discounts. Some offer bundling options for your home and auto insurance. Coverage options and discounts vary from company to company.

Average Annual Homeowners Insurance Premium in Georgia by Company

Average prices for standard homeowners insurance for a 7-15 year old home, $200,000 in coverage

  • Rate

Home Insurance Rates in Georgia by City

As of 2021, the average home insurance premium in Georgia costs $2,673 annually—far more than the national average. The median Georgia home is valued at $260,700.

Home insurance rates in Georgia can be high or low compared to the state average—it all depends on where you live. Local factors that affect how an insurance company assesses your risk include:

  • Crime rates
  • Weather patterns
  • Distance to bodies of water
  • Claim rates

Here are the most and least expensive ZIP codes in Georgia to buy and insure a home. Average rates within these ZIP codes tend to increase relative to property cost. In wildfire- or earthquake-prone areas, rates are often higher.

City
Chamblee$360,849
Cumming$281,800
Atlanta$288,746
Macon$70,400
Augusta$82,000
Columbus$88,200

What Does Home Insurance Cover in Georgia?

There are several types of home insurance. Specific terms of insurance policies may vary by state, but in general, the standard policy types are as follows:

HO-1: Basic
HO-2: Broad Form
HO-3: Special Form
HO-4: Tenant’s Form
HO-5: Comprehensive
HO-6: Condo Form
HO-7: Mobile Home Form
HO-8: Older Home

For more detailed Georgia city level guides, check out these below.

Mobile Home Coverage in Georgia

HO-7 type coverage is the best option for mobile homeowners. Even though home insurance, in general, is not mandatory in the state, mortgage lenders will require some sort of proof of insurance as a prerequisite to a loan.

Similar to traditional home insurance, mobile home insurance protects your investment from a plethora of risks, including dwelling coverage, personal property, and liability protection in case of an accident or natural disaster. Mobile home coverage levels can be higher than those of a traditional home, likely because mobile homes are more susceptible to damage in times of storms or other circumstances. Depending on the level of coverage you choose when insuring your mobile home, your annual premiums may fluctuate.

Natural Disasters and Home Insurance Coverage in Georgia

As Georgia residents know all too well, natural disasters can be catastrophic to property and livelihoods. In Georgia, homeowners and renters alike face increased extreme weather like hurricanes, windstorms, and flooding each season. 

What’s covered and what’s not when it comes to homeowners policies and natural disasters in Georgia? Damage due to uncontrollable circumstances, like weather or other “Acts of God”, may still be covered—your level of coverage will determine how much your property is actually protected through your policy. Homeowners coverage generally includes personal liability and property insurance. 

With such risk, home insurance providers often charge higher premiums to cover potential disasters like wildfires. That being said, with the right tools, you may still be able to find competitive home insurance rates in your area. To choose from the best homeowners insurance companies, use Insurify to compare home insurance quotes all in one place.

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Special Home Insurance Situations in Georgia

Unique elements of your home may affect homeowners insurance prices. Check out these quotes for some special situations that may impact your home insurance in Georgia.

Cheapest Home Insurance for Houses Near Fire Department in Georgia

If your home is within a certain distance from a fire department or fire hydrant your rates may decrease. The same applies for the opposite. If your home is far from fire safety, you may pay more for homeowners insurance.

Insurance Company
Alfa$1,537
Allstate$1,539
ASI$774
Country$2,487

Cheapest Home Insurance for Houses With Swimming Pools in Georgia

Swimming pools fall under a category called attractive nuisances. Sure, they offer a fun way to cool off during warm summer months, but they also pose a major injury risk. For that reason, having a swimming pool in your yard could increase rates.

Insurance Company
Nationwide$1,510
State Farm$3,197
Travelers$1,986
USAA$1,792

Peachy savings for Georgia homeowners.

How to Find the Cheapest Home Insurance in Georgia

Just like groceries or clothes shopping, you can find a good bargain on home insurance. And you can do it without sacrificing sufficient coverage to protect your investment. But protecting your home from water damage, burglars and everything in between doesn’t have to break the bank. With a little research and the right tools, you’ll be on your way to big savings.

Use Insurify to compare free quotes for home insurance premiums for your property in Georgia.

Georgia Homeowners Insurance FAQ

Why is home insurance so expensive in Georgia?

Most Georgia homeowners paying high prices do so because of the increased threat of natural disasters. Unfortunately, instances of inclement weather involving high winds and floods are on the rise in Georgia. Homeowners in flood-prone areas and along the coastline should expect higher-than-average home insurance premiums.

Does USAA insure homes in Georgia?

Yes, USAA insures homes in Georgia. However, policyholders must be active military members, veterans, or the family members of those in the armed forces. 

How long does a home insurance claim take in Georgia?

Short answer: it depends. In times of crisis, like wildfires or earthquakes, many of your neighbors will also be filing claims with their insurance companies, crowding the systems, and slowing down the claims process. The amount of time it takes to file a claim in Georgia will vary from case to case. 

To find the best home insurance companies in your area, use Insurify to compare reviews and quotes.

How long does a home insurance claim take in Georgia?

Depending on your homeowners insurance policy, your policy may or may not cover protection for your personal belongings. This will generally depend on your particular homeowners insurance coverage, and will likely fall under supplemental coverage. Different insurance products from companies might cover your belongings differently. If you have a particularly valuable item, consider insuring it separately under its own policy.

Insurify Rate Comparison Methodology

The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.