4.8out of 3,000+ reviews

Georgia Homeowners Insurance Quotes (2022)

Secure. Free. Easy-to-use.
Advertising disclosures
home insurance

Why you can trust Insurify

Insurify is America's highest-rated insurance comparison platform. We partner with the nation's top insurance companies and are licensed as an agent in all 50 states. However, the insurance experts writing our content operate independently of our partners, and you can learn more about how we make money by viewing our advertising disclosures. Also check out reviews from over 3,000 satisfied customers, our data methodology, and our editorial standards.

Why you can trust Insurify

Insurify is America's highest-rated insurance comparison platform. We partner with the nation's top insurance companies and are licensed as an agent in all 50 states. However, the insurance experts writing our content operate independently of our partners, and you can learn more about how we make money by viewing our advertising disclosures. Also check out reviews from over 3,000 satisfied customers, our data methodology, and our editorial standards.
Tanveen Vohra

By: Tanveen Vohra

Edited by John Leach

Updated February 25, 2022

Average Cost of Home Insurance in Georgia

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.

Georgia Average Homeowners Insurance Rates 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.
Average Cost Per Month$128
Average Annual Premium$1533
State Rank (Most Expensive)14th

Cheapest Home Insurance Companies in Georgia

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 CompaniesQuotes 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.
Farmers$949
Nationwide$1,510
Allstate$1,539
USAA$1,792
Alfa$1,923

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.

Compare Home Insurance Quotes Instantly

  • Personalized quotes in 5 minutes or less
  • No signup required

Georgia Homeowners Insurance Rates 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 Home Insurance Premium in Georgia by Company

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

Farmers
$949
Nationwide
$1,510
Allstate
$1,539
USAA
$1,792
Alfa
$1,923
Travelers
$1,986
Country Financial
$2,387
State Farm
$3,197
Hanover
$4,340

Home Insurance Rates in Georgia Cities

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.

CityMedian Home Price 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.
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:

  • The simplest and least comprehensive type of homeowners insurance.

    Provides coverage for a handful of potential problems including:

    • Natural disasters (storms, fires, wind lightning, volcanic eruption)
    • Explosions
    • Theft
    • Damage from vehicles
    • Civil commotion
  • Broad form homeowners insurance policies include all basic form coverage, plus:

    • Protection from falling objects
    • Damage from the weight of ice, snow, or sleet
    • Freezing of household systems including HVAC and pipes
    • Sudden and accidental damage to pipes and other household systems from artificially generated electrical current
    • Accidental discharge or overflow of water or steam
    • HO-2 policies typically cover both dwelling protection and personal property.
    • In some cases, broad form coverage may also include liability coverage. However, it still only covers the specific damages listed in the policy.
    • The most common form of homeowners insurance is known as a “special form” policy.
    • While HO-1 and HO-2 policies are “named peril” policies (meaning they only cover dangers that are specifically listed in the policy), HO-3 policies are “open peril” policies meaning they’ll cover all dangers except those specifically excluded in the policy documents.
    • HO-4 policies, also known as renters insurance, are for people who lease rather than own their homes.
    • Tenant’s form policies typically cover all the same dangers as HO-2 policies.
    • Tenant’s form policies typically cover all the same dangers as HO-2 policies.
    • These policies include personal property coverage and liability coverage but don’t cover the physical structure of the house.
    • Some HO-4 policies may also include loss of use coverage for the tenants.
    • Comprehensive form policies are usually the broadest and provide the highest level of coverage; not surprisingly, they also tend to be the most expensive type of homeowners insurance policies.
    • The biggest difference between HO-3 and HO-5 policies is that most HO-3 policies are “actual cash value” policies, whereas typically HO-5 policies are “replacement cost value” policies.
    • An actual cash value policy will only reimburse you for the actual value of a damaged or destroyed item, while a replacement cost value policy will reimburse you for however much it would cost to completely replace or repair the damaged or destroyed item (up to the coverage limits on the policy).
    • HO-5 policies also provide personal property coverage against a wider range of dangers than the typical HO-3 policy. Many HO-5 policies also have extra coverage for high-value personal property such as jewelry and artwork.
    • Not surprisingly, condo form insurance is for condominium owners. HO-6 policies generally protect against the same types of dangers as HO-3 policies.
    • They provide dwelling protection coverage with a twist: HO-6 policies cover the walls, floors, and ceiling of the condo unit but not the rest of the building.
    • These policies also include personal property and liability coverage and may include loss of use coverage.
    • If you own a mobile home or manufactured home, you likely have an HO-7 policy.
    • Mobile home form policies are typically identical to HO-3 policies, except they’re designed specifically for mobile and manufactured homes.
    • Like HO-3 policies, they provide dwelling protection coverage, other structures coverage, personal property coverage, liability coverage, and possibly loss of use coverage as well.
    • HO-7 policies generally only protect the home when it’s stationary; if you plan to move your mobile or manufactured home, you’ll need to get a special policy to cover it while it’s in transit.
    • Older homes have generally been built to less stringent code standards than recently built homes, and so insurers have designed a specialized type of homeowners insurance policy for them.
    • HO-8 policies often only cover the basic perils listed in HO-1 policies and generally apply to homes that are registered landmarks or otherwise deemed historic homes.
    • Owners of registered landmarks are typically forbidden from making the updates to HVAC, electrical, and other parts of the home to enable them to qualify for a standard HO-3 policy, so an HO-8 policy is often the only option for them.

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.

Coverage for Natural Disasters

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.

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 CompanyAverage Annual Premium 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.
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 CompanyAverage Annual Premium 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.
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.

Frequently Asked Questions

  • 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.

  • 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.

  • 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.

Compare Home Insurance Quotes Instantly

  • Personalized quotes in 5 minutes or less
  • No signup required
  • Data scientists at Insurify analyzed over 40 million auto insurance rates across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers' vehicles, driving records, and demographic information. With these insights, Insurify is able to offer drivers insight into how their car insurance premiums are priced by companies.

Tanveen Vohra
Tanveen Vohra
Linkedin

Editorial Manager

Tanveen Vohra is an editorial manager at Insurify specializing in writing about property and casualty insurance. Through her work, Tanveen helps consumers better understand the components of their insurance policies so they can make smarter purchase decisions.

Tanveen's work has been cited by CNBC, Fox Business, Business Insider, Fortune, and Market Watch, among others.

Learn More