Georgia Home Owners Insurance

Georgia
Atlanta, Georgia, USA downtown skyline.

Home Owners insurance Georgia

Most common Causes for Home owners Loss and claims (nationwide)

You will notice a natural disaster theme in the chart below.

Statistics show that 98.1% of losses and homeowners claims are due to property damage, with wind and hail damage making up a big chunk.

Home owners insurance is a necessity for ensuring that your significant investment is covered if unexpected disasters strike. Without it, you are risking all the time and money you have invested in making your home safe not to mention belongings inside. Make sure to always check on what’s required for your insurance before deciding which company to work with. While Georgia doesn’t experience floods or tornadoes on the same level as other states, claims still occur more than ten times each year!

But don’t rule out the small percentage of homeowners losses due to theft…it still happens!

Lightning
Fire
Vandalism
Hail
Wind
Power surge
Injuries
Other Weather related
Water Damage
Loss of Use

Rating factors for Home Owners insurance in Georgia

Here are some factors that are considered when you are setting up your home owners insurance for your home.

Protecting your home is an important investment that ensures you have a place to live. Homeowners insurance in Georgia helps to protect your home and its contents by covering losses like fire, theft or vandalism.

A number of factors go into the cost of homeowners insurance policy (including the type of house, deductible) but it pays for itself if you ever experience any damage. Safeguard your health and well-being with this popular purchase!

Protection Class Proximity to fire station
Dog breed
Roof condition
Home liability limits
Credit history
Age of Home
Insurance score
Deductible
Swimming pool or hot tub
Value of home Replacement cost
Wood-burning stoves
Upgrades to Wiring plumbing
Location

What does homeowners insurance cover in Georgia

Most standard homeowners insurance policies in Georgia offer coverage to repair or replace your home and property after it’s been damaged by a fire, storm, or other weather events. They also cover losses from burglary, vandalism, or sudden events like a tree falling on your roof

Which companies offer Home Owners in Georgia

Here is a list of the companies in Georgia that offer home owners insurance for your home. We offer some of the best companies nationwide.

Home Owners insurance policies are not one-size-fit-all. Homeowners in the northern United States may be different than those living in southern states like Georgia, Florida or Mississippi. Your family’s needs and financial situation will greatly influence your choice of Homeowners policy; who you buy it from; what deductibles to select; whether or not to purchase other coverages (like car insurance); and how much you’ll pay each month. You can compare rates online!

CompanyHome Owners Offered
Farmers Insuranceyes
Hartfordyes
Auto-Ownersyes
Nationwideyes
American Familyyes
Chubbyes
Allstate Corp.yes
Travelersyes
USAAyes
American Internationalyes
MetLife Inc.yes
Liberty Mutualyes
Progressiveyes
State Farmyes

* Laws pretaining to Home Owners in Georgia

Here is an excellent resource to laws that pertain to home owners in Georgia. Georgia HOA Laws and Resources resource page.

Just as homeownership can build equity, so too can it create liabilities. The right homeowner’s insurance policy should be able to meet those challenges and provide purchasers with relief from financial liability should a catastrophe occur. At A Plus Insurance, our agents are committed to providing you with all of the guidance and education that you need when buying homeowner’s coverage-no matter what your budget may be.

Home owners coverage options in Georgia

Most homeowners insurance policies provide a minimum of $100,000 worth of liability insurance, but higher amounts are available and, increasingly, it is recommended that homeowners consider purchasing at least $300,000 to $500,000 worth of liability coverage.

Homeowners insurance is not just for people with mortgages, it can also provide peace of mind to tenants who are worried that their landlord will resist helping repair any damages. Some policies cover damage caused by animals or relatives living at home without your consent. You have the option of choosing whether the policy covers personal property, liability coverage, flood zone protection, earthquake coverage and other extras too.

Who has the Lowest price on Home Owners in Georgia?

Below is a list by ranking of the companies that offer the lowest rates for home owners insurance in Georgia.

CompanyRank
Liberty Mutual1
Chubb2
Farmers Insurance3
Travelers4
Hartford5
Auto-Owners6
USAA7
American Family8
American International9

Average Cost for Home Owners Insurance in Georgia (by city)

Here you will find what the average cost of home owners insurance is based on the city your home is in.

AreaAverage Cost $250,000 Home
CityPrice
Suwanee$1,318.00
Dalton$1,190.00
Statesboro$1,280.00
Tucker$1,303.00
Perry$1,110.00
North Decatur$1,373.00
Dublin$1,130.00
Calhoun$1,160.00
Douglasville$1,168.00
Gainesville$1,235.00
Marietta$1,400.00
Chamblee$1,316.00
Wilmington Island$1,406.00
North Druid Hills$1,137.00
Rome$1,211.00
Warner Robins$1,306.00
Cartersville$1,369.00
Stonecrest$1,364.00
Brookhaven$1,384.00
Milton$1,184.00
Martinez$1,123.00
Brunswick$1,226.00
Peachtree Corners$1,252.00
Columbus$1,110.00
Buford$1,206.00
Macon-Bibb County$1,319.00
South Fulton$1,265.00
Savannah$1,363.00
Lawrenceville$1,137.00
Kennesaw$1,146.00
Americus$1,136.00
Newnan$1,287.00
Conyers$1,278.00
Snellville$1,308.00
East Point$1,120.00
Augusta-Richmond County$1,419.00
Tifton$1,286.00
Sugar Hill$1,295.00
Duluth$1,211.00
Norcross$1,222.00
Alpharetta$1,142.00
Woodstock$1,109.00
Sandy Springs$1,144.00
Milledgeville$1,173.00
Peachtree City$1,319.00
Atlanta$1,114.00
Smyrna$1,171.00
Winder$1,313.00
Acworth$1,392.00
Johns Creek$1,268.00
McDonough$1,220.00
Dunwoody$1,414.00
Union City$1,291.00
Roswell$1,155.00
Kingsland$1,175.00
Evans$1,340.00
Fayetteville$1,134.00
Carrollton$1,240.00
Mableton$1,250.00
Thomasville$1,334.00
Griffin$1,130.00
Stockbridge$1,307.00
Valdosta$1,415.00

Cheapest Home Owners insurance (by city) in Georgia

Need to know who has the best prices in home owners insurance? Below you will find which companies have the best rates by the city your home is in.

Home owners insurance is the one thing you need to protect your home and other possessions. But who should you get it from? There are lots of options out there. Shopping for insurance through a variety of carriers provides competitive rates with comprehensive coverage so that you can feel confident about keeping your family safe and sound.

CityPrice
BrunswickNationWide
ConyersProgressive
Warner RobinsTravelers
ThomasvilleChub
South FultonNationWide
ChambleeProgressive (ASI)
Peachtree CornersNationWide
East PointChub
MartinezProgressive
AtlantaTravelers
DuluthLiberty Mutual
CantonLiberty Mutual
Sandy SpringsTravelers
NewnanTravelers
AmericusChub
CarrolltonTravelers
North Druid HillsAllstate
Candler-McAfeeProgressive
McDonoughAmerican Family
Lithia SpringsAllstate
HinesvilleFarmers
Augusta-Richmond CountyLiberty Mutual
StockbridgeLiberty Mutual
EvansProgressive
WoodstockFarmers
SuwaneeAmerican Family
RomeLiberty Mutual
DecaturLiberty Mutual
MariettaAllstate
GainesvilleTravelers
St. MarysNationWide
Forest ParkUSAA
DublinTravelers
TiftonLiberty Mutual
AcworthChub
BrookhavenUSAA
ColumbusState Farm
ValdostaProgressive (ASI)
Wilmington IslandFarmers
Johns CreekAmerican Family
KingslandTravelers
SnellvilleState Farm
BufordState Farm
DunwoodyLiberty Mutual
StonecrestState Farm
Peachtree CityAmerican Family
Macon-Bibb CountyAmerican Family
MilledgevilleUSAA
MabletonAllstate
GriffinAmica

Bundling Options with Home Owners insurance in Georgia

Bundling some of your other vehicles and insurances is a great way to save money. Having everything under one roof with one premium is a great way to take care all of your insurance needs.

Have you ever wished you could save time and get excellent coverage at the same time? You can! Whether or not your primary home is located in Georgia, we offer a no hassle bundling options. Bundle and save with top insurance providers.

Boat
Umbrella
ATV
Motorcycle
Health
Business
Auto
Life
RV

Home owners Insurance FAQ’s in Georgia

Homeowners insurance covers replacing your home and personal items up to certain limits, depending on your policy. While most disasters are covered, earthquakes and flooding is not. Additionally, insurance policies do not cover the normal aging of your house.

In your policy, there are several coverage types identified:

  • Coverage A – Dwelling — Pays for damage or destruction to your house and any unattached structures and buildings. Examples include fences, attached garage, or patio cover.
  • Coverage B – Other structures such as a garage, deck or swimming pool
  • Coverage C – Personal Property — Covers the contents of your house, including furniture, clothing and appliances, if they are stolen, damaged, or destroyed.
  • Coverage D – Loss of Use — Pays for additional living expenses if your home is uninhabitable due to a covered loss. Most standard Florida Homeowners Insurance policies pay 10% to 20% of the amount of your Dwelling coverage
  • Coverage E – Liability — Protects you against financial loss if you are sued and found legally responsible for someone else’s injury or property damage
  • Coverage F – Medical Payments — Covers medical bills for person(s) injured on your property.
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Last Updated on November 11, 2021 by Shawn Christie

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