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Best Savannah Homeowners Insurance Quotes (2025)

Allstate, USAA, and Chubb offer the best homeowners insurance policies in Savannah, Georgia.

Taylor Milam-Samuel
Written byTaylor Milam-Samuel
Taylor Milam-Samuel
Taylor Milam-Samuel

  • 8+ years writing for major outlets, including MarketWatch and Business Insider

  • Master’s in Education

Taylor Mlam-Samuel is a personal finance writer and credentialed educator. When she’s not helping readers better save and spend money, she can be found teaching.

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Sara Getman
Edited bySara Getman
Sara Getman
Sara GetmanAssociate Editor

Sara Getman is an Associate Editor at Insurify and has been with the company since 2022. Prior to joining Insurify, Sara completed her undergraduate degree in English Literature at Simmons University in Boston. At Simmons, she was the Editor-in-Chief for Sidelines Magazine (a literary and art publication), and wrote creative non-fiction.

Outside of work, Sara is an avid reader, and loves rock climbing, yoga, and crocheting.

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The average cost of home insurance in Savannah, Georgia, is $4,811 per year for a $300,000 policy with a $1,000 deductible. The city is known for its historic landmarks, coastal views, and beautiful weather.

But homeowners in Savannah also have to prepare for floods and hurricanes. Standard policies include coverage for hurricane damage, but they don’t cover flooding damage. Savannah homeowners may want to consider adding a flood insurance policy.

Here’s what you need to know about finding affordable home insurance in Savannah.

Quick Facts

  • Savannah homeowners pay 75% more for home insurance than the Georgia state average of $2,755.

  • A $300,000 policy with a $500 deductible costs an average of $4,909 annually.

  • Auto-Owners offers the cheapest home insurance policies in Savannah.

Best home insurance companies in Savannah

Savannah homeowners have a range of home insurance companies to choose from. The best home insurance company for you depends on your priorities and specific needs. It’s helpful to consider the age of your home, the amount of coverage, and your budget.

The following insurers are some of the top companies in Savannah.

Best company for cheap coverage: Allstate

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IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
8.2/10
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
631
$300,000 Dwelling
A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others.
$114/mo
$500,000 Dwelling
A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others.
$166/mo

Allstate is one of the cheapest insurance companies in Savannah. The company also offers many discounts, including standard discounts like those for bundling and unique ones like early signing.

Allstate’s low rates and generous discounts make it the best pick for affordable coverage. The company also offers flood policies through the National Flood Insurance Program (NFIP), which means you can have both policies from the same insurer — a helpful option to streamline coverage.

Pros

  • Affordable rates and discounts available

  • Flood coverage through the NFIP

Cons

  • Below-average J.D. Power score for customer satisfaction

  • Limited replacement cost coverage

Best company for military members: USAA

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IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
8/10
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
737
$300,000 Dwelling
A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others.
$144/mo
$500,000 Dwelling
A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others.
$209/mo

Savannah is less than 45 miles from Fort Stewart, the largest military base in the South, and has a sizable military population. USAA stands out as the best pick for military and veteran homeowners. The company standardizes replacement cost coverage, an extra financial protection that most insurers charge extra for.

But you must have a connection to the military, either through yourself or an immediate family member. Because of that, USAA isn’t an option for some homeowners in Savannah. You also can’t customize your homeowners policy as much as you can with other insurers.

Pros

  • Includes replacement cost coverage

  • High J.D. Power score for customer satisfaction

Cons

  • Must have a military connection

  • Only a handful of unique coverage options

Best company for flood insurance: Chubb

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
7.8/10
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
688
$300,000 Dwelling
A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others.
$173/mo
$500,000 Dwelling
A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others.
$265/mo

Most home insurance companies don’t sell flood insurance except through a partnership with the NFIP. That said, Chubb offers personal and excess flood insurance, a separate policy not connected to the NFIP. Chubb’s flood policies include replacement cost coverage and up to $5,000 for preventative measures. Plus, the insurer offers coverage limits of up to $15 million through the NFIP.

You can’t get a quote online, and you must work with a local agent or broker to set up coverage. While some homeowners might enjoy the personalized experience, others might find it more complicated.

Pros

  • Substantial flood coverage

  • High J.D. Power score for customer satisfaction

Cons

  • Must work with an agent

  • More expensive than other insurers

  • Our editorial team analyzed regional and national home insurance companies that sell policies in Savannah to assess which offer the best rates, coverage options, customer service, and savings to homeowners. We prioritized competitive rates, 24/7 customer service, homeownership discounts or bundling options, and specialty or supplemental coverages.

Cheapest home insurance companies in Savannah

Despite the high average annual cost, Savannah homeowners can still find affordable coverage. Currently, Auto-Owners offers the cheapest home insurance in Savannah. Coverage from Auto-Owners is 44% more affordable than the city average. The following companies have some of the cheapest home insurance rates for a $300,000 policy.

Insurance Company
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Average Annual Premium
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Auto-Owners$2,711
Allstate$2,725
Armed Forces Insurance Exchange$2,975
USAA$3,473
Travelers$3,473
Nationwide$4,051

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How much is home insurance in Savannah?

The average annual cost of home insurance in Savannah is $4,909 for a $300,000 policy with a $500 deductible. A policy with a $100,000 deductible costs $4,811 per year, on average. Insurance costs in the city are higher than the state average.

The city’s location, near the Atlantic Ocean and in the path of tropical storms, makes homes in the area more vulnerable to damage from hurricanes and flooding.[1]

Cost of home insurance by dwelling coverage in Georgia

The dwelling coverage limit of your insurance policy is the maximum amount the insurer will pay when you file a claim. Policies with higher coverage limits cost more since they provide more financial protection.[2]

Here’s how much Georgia homeowners pay for insurance based on different dwelling coverage limits.

Coverage Limit
sort ascsort desc
Average Annual Premium
sort ascsort desc
$100,000$1,299
$200,000$2,031
$300,000$2,755
$400,000$3,528
$500,000$4,293

Cost of homeowners insurance by deductible amount

Your insurance deductible is the amount you have to pay when you file a claim before your insurer steps in to cover the rest. It’s always the same amount, regardless of the claim size. Insurance policies with high deductibles usually cost less since you pay more when you file a claim.[3]

For example, let’s say your home has $20,000 of damage due to vandalism. Your deductible is $1,000. You pay $1,000, and the insurance company pays the remaining $19,000 for repairs.

Here are the average annual premiums in Savannah for different deductible amounts.

Deductible Amount
sort ascsort desc
Average Annual Premium
sort ascsort desc
$500$4,909
$1,000$4,811

Average cost of home insurance in other cities in Georgia

Savannah homeowners pay the most for coverage in Georgia. Your location affects how much you pay for coverage, especially if you’re closer to the ocean and more likely to experience flooding due to storms.

But home insurance prices also change based on your ZIP code within a city. For example, you might pay less if you live in an area with lower crime rates or if your home is in close proximity to a fire station.

The table below shows how home insurance rates in Savannah compare to the average costs for other cities in Georgia.

City
sort ascsort desc
Average Annual Premium
sort ascsort desc
Alpharetta$2,529
Atlanta$3,196
Augusta$3,007
Cumming$2,628
Duluth$2,656
Lawrenceville$2,611
Marietta$2,715
Powder Springs$2,660
Savannah$4,811
Stockbridge$2,822
Suwanee$2,731

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What to know about owning a home in Savannah

The cost of living in Savannah is comparable to the national average, and property is nearly 25% cheaper. Even though homes are affordable, home insurance costs don’t follow the same trend.

Tropical storms and flooding make Savannah home insurance more expensive. Most policies include coverage for damage from windstorms, including tornadoes and hurricanes. But you might have to pay a separate hurricane deductible.

Additionally, standard home insurance policies don’t cover flood damage. You’ll need to add a flood insurance policy through the NFIP or a private insurer. It increases the total cost of coverage, but it’s important to have this coverage when you own a home in Savannah.

Savannah home insurance FAQs

Choosing a home insurer is a big decision. Here’s what you need to know about coverage in Savannah.

  • The average monthly cost of home insurance in Savannah is $400 for a $300,000 policy with a $1,000 deductible. Homes in Savannah are at an increased risk of flooding and damage from tropical storms. Standard policies include coverage for damage from storms but not floods. You’ll likely need to purchase a separate flood policy, increasing your total costs.

  • Auto-Owners has the cheapest homeowners insurance in Savannah. The average annual cost is $2,711. Comparing home insurance quotes is one of the best ways to find the most affordable rates.

  • The 80% rule in homeowners insurance is a way to calculate how much coverage you need. The rule states that your policy should cover at least 80% of the replacement cost of your home.

  • Yes. Standard homeowners insurance policies include coverage for hurricanes. But you might have to pay a separate and more expensive deductible when you file a claim for hurricane damage. It’s usually 1% to 5% of your coverage limit.[4] It doesn’t cover flooding damage from hurricanes.

  • Not usually. Homeowners insurance covers water and sewer lines if you add an endorsement. The cause of the damage also affects whether the damage is covered.

Sources

  1. Georgia Emergency Management and Homeland Security Agency. "Georgia Disaster History."
  2. III. "Homeowners Insurance Basics."
  3. III. "Understanding your insurance deductibles."
  4. III. "Homeowners Policy For Hurricane Deductibles."
Taylor Milam-Samuel
Taylor Milam-Samuel

Taylor Milam-Samuel is a writer and credentialed educator who is fascinated by how people earn, save, and spend their money. When she's not researching financial terms and conditions, she can be found in the classroom teaching.

Taylor has been a contributor at Insurify since February 2023.

Learn More
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Sara Getman
Edited bySara GetmanAssociate Editor
Sara Getman
Sara GetmanAssociate Editor

Sara Getman is an Associate Editor at Insurify and has been with the company since 2022. Prior to joining Insurify, Sara completed her undergraduate degree in English Literature at Simmons University in Boston. At Simmons, she was the Editor-in-Chief for Sidelines Magazine (a literary and art publication), and wrote creative non-fiction.

Outside of work, Sara is an avid reader, and loves rock climbing, yoga, and crocheting.

Read Editorial Guidelines

View Full Bio

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