Best Home Insurance in Georgia (2023)

Compare personalized Home insurance rates in Georgia

Home Insurance in Georgia

Before buying homeowners insurance in Georgia, it’s important to know everything about your requirements, costs, and policy options. Georgia homeowners requirements can seem challenging, but it’s important for you to consider all options. It does not have to be hard to find cheap homeowners insurance in this area if you follow a few helpful tips.

Home Insurance Companies in Georgia

How do you find those great rates? Start with making a list of the homeowners insurance agencies in Georgia. Then, request quotes from the top rated homeowners insurance companies in Georgia. Compare them to determine which are the best home insurance companies in Georgia based on the coverage they offer, discounts, and savings. To make this process easier, work with independent home insurance agents in Georgia who can compare policy options from multiple insurance companies at one time.

How to Get the Best Rates for Home Insurance in Georgia

You can make the process easier by entering your zip code below. You then have access to all of the insurers in the state.


<zipcode>Find The Cheapest Home Insurance In Your Area:</zipcode>


How Much Does Homeowners Insurance Cost in Georgia?

It helps to know what the expected costs of home insurance in the state are so you can compare home insurance quotes. The average annual premium in Georgia for the typical residential home is $1,152. That is just about the national average, which is $1,173. The cheapest home insurance in Georgia is less than this. To find the best policy for you, then, you need home insurance quotes in Georgia.


<twitter>The average annual premium in Georgia for the typical residential home is $1,152. That is just about the national average, which is $1,173.</twitter>


List of Homeowners Insurance Companies in Georgia

You can obtain a list of available home insurance companies right now. Just use our tool to help you. Enter your zip code above, click, and you have a list to use.

How Homeowners Insurance Is Calculated in Georgia

To determine the cost of coverage, insurance companies consider how much risk there is of you filing a claim. They look at things that could impact your home’s value, condition, and safety. Consider these common factors.


<qa>1;Crime;Property crime in Georgia is high, which increases your costs. The crime rate for the state is 28.6 incidents per 1,000 residents. The national average is 24. This can increase rates.</qa>

<qa>2;Weather/Climate;Georgia also has a number of weather-related risks. Flooding, wildfire risks, and storm damage are common. Georgia also is at risk for hurricanes, tornadoes, and ice-related damage. This, too, increases home insurance rates.</qa>

<qa>3;Home Values;Home values are a bit above the national average. The median home value in Georgia right now is $187,700. That is accurate as of March of 2019.</qa>

Home Insurance Requirements in Georgia

You also have to think about what is required in the state. Most homeowners need coverage, but knowing home insurance requirements in Georgia is important.

Is Homeowners Insurance Required in Georgia?

The state itself does not require you to have insurance coverage, but your mortgage lender probably does. Some homeowners associations in the state can require it as well. When required, comprehensive home insurance is typically the most common option.

What Does Home Insurance Cover?

In Georgia, home insurance covers your home’s structure as well as attached structures, such as an attached garage and patio. It can cover outbuildings if you add them to the policy. It also includes liability insurance. This helps you overcome losses to others, such as someone being hurt at your home.

Homeowners Insurance for New Properties in Georgia

Those who have a new home in Georgia nearly always need to consider a high-quality, high coverage option. This raises your costs but provides outstanding protection from the biggest risks in the area.

Homeowners Insurance for Old Properties in Georgia

Some people decide to cancel their home insurance if they pay off their home. Yet, with so many risks in the area, this can be a very big risk. More so, older homes are more at risk for structural problems, roof damage, and electrical concerns.

Renters Insurance in Georgia

Renter’s insurance is one of the biggest requirements for landlords in Georgia. It is not a state law that you have it, but it is a requirement if your tenant-landlord agreement requires it.


The good news is renter’s insurance in Georgia tends to cost under $20 to $30 a month. It protects you from risks that your landlord does not include your personal possessions and liability claims.


<zipcode>Compare Renters Insurance in Georgia</zipcode>


Compare Home Insurance in Georgia by City

What you pay for insurance depends on many factors. Specifically, you need to compare home insurance quotes for your property based on its risks, value, and overall policy options. Yet, you can get an idea of costs based on local city rates. The cheapest home insurance in Georgia is out there for those that take the time to compare.


<qa>1;Home Insurance Quotes in Atlanta, Georgia;The largest city and a very urban community with upscale amenities, Atlanta is home to 486,290 people. Home values are growing rapidly here with the median home value at $260,200. Values have risen 12 percent in the last year.</qa>

<qa>2;Home Insurance Quotes in Augusta, Georgia;Augusta has about 197,166 residents and is a residential and commercial city in the heart of the state. Augusta is more affordable with a median home value of $124,900.</qa>

<qa>3;Home Insurance Quotes in Columbus, Georgia;Though a bit smaller, Columbia is home to 194,058 people. This area is growing fast but is still very affordable with a median home value of $94,200.</qa>

<qa>4;Home Insurance Quotes in Macon, Georgia;A fast-growing area in the city, Macon is an excellent place to call home. It’s already home to 152,663 people. The city is very affordable at $78,700 but home prices have grown 15 percent in the last year.</qa>

<qa>5;Home Insurance Quotes in Savannah, Georgia;Known for its southern charm, Savannah is a beautiful location that’s home to 146,444 people. Values in Savannah are about the national average at $136,000.</qa>


Bonus: Most Expensive Homes in Georgia

You may want affordable home insurance in Georgia. You will not find that here at the most expensive homes in the state.


  • The home at 4665 Riverview Rd. in Atlanta, known as "Chestnut Hill" has a value of $48 million.
  • The home at 4110 Paces Ferry Rd. in Atlanta is valued at $17.5 million.
  • The third most valuable is at 120 Hawkins Lane on Simons Island. It’s valued at $17.25 million.