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Georgia Homeowners Insurance
Their peaches, clean air, laid back culture, and culinary experiences make Georgia one of the most appealing places to live in the United States. Don’t let high homeowners insurance rates scare you from the home of your dreams…A Plus Insurance can help!
- Georgia Homeowners Insurance
- Georgia Homeowners Insurance- Most common Causes for Loss and claims (nationwide)
- Rating factors for Georgia Homeowners Insurance
- Georgia Homeowners Insurance: Coverage Options
- Georgia Homeowners Insurance: Which companies offer it?
- Georgia Homeowners Insurance: Laws You Need to Know
- Georgia Homeowners Insurance: Which Company Has the Best Rates?
- Georgia Homeowners Insurance: Average Cost by City
- Georgia Homeowners Insurance: Who has the Cheapest Rates? (by City)
- Georgia Homeowners Insurance: Bundling Options
- Georgia Homeowners Insurance: Explanation of Coverages
- Georgia Homeowners Insurance: Frequently Asked Questions
- Georgia Homeowners Insurance: Need Homeowners In Another State?
- Georgia Homeowners Insurance: Ready To Bundle With Another Product?
Georgia Homeowners Insurance- Most common Causes for 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.
Homeowners 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!
| Georgia Homeowners Insurance Common Causes for Claims |
|---|
| Lightning |
| Fire |
| Vandalism |
| Hail |
| Wind |
| Power surge |
| Injuries |
| Other Weather related |
| Water Damage |
| Loss of Use |
Rating factors for Georgia Homeowners Insurance
Here are some factors that are considered when you are setting up your homeowners 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!
| Georgia Homeowners Insurance Rating Factors |
|---|
| 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 |
Georgia Homeowners Insurance: Coverage Options
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.
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.
Georgia Homeowners Insurance: Which companies offer it?
Here is a list of the companies in Georgia that offer Home Insurance for your home. We offer some of the best companies nationwide.
Homeowners 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.
| Insurance Company | Homeowners Offered? |
|---|---|
| Farmers Insurance | yes |
| Hartford | yes |
| Auto-Owners | yes |
| Nationwide | yes |
| American Family | yes |
| Chubb | yes |
| Allstate Corp. | yes |
| Travelers | yes |
| USAA | yes |
| American International | yes |
| MetLife Inc. | yes |
| Liberty Mutual | yes |
| Progressive | yes |
| State Farm | yes |
Georgia Homeowners Insurance: Laws You Need to Know
Here is an excellent resource to laws that pertain to Georgia homeowners insurance: 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.
Georgia Homeowners Insurance: Which Company Has the Best Rates?
Below is a list by ranking of the companies that offer the lowest rates for home owners insurance in Georgia.
| Homeowners Insurance Company | Ranking From Best to Worst in Affordability |
|---|---|
| Liberty Mutual | 1 |
| Chubb | 2 |
| Farmers Insurance | 3 |
| Travelers | 4 |
| Hartford | 5 |
| Auto-Owners | 6 |
| USAA | 7 |
| American Family | 8 |
| American International | 9 |
Georgia Homeowners Insurance: Average Cost by City
Here you will find what the average cost of homeowners insurance is based on the city your home is in.
| Area/City | Average Cost $250,000 Home |
|---|---|
| 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 |
Georgia Homeowners Insurance: Who has the Cheapest Rates? (by City)
Need to know who has the best prices in homeowners insurance? Below you will find which companies have the best rates by the city your home is in.
Homeowners 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.
| City in Georgia | Homeowners Insurance Company |
|---|---|
| Brunswick | NationWide |
| Conyers | Progressive |
| Warner Robins | Travelers |
| Thomasville | Chub |
| South Fulton | NationWide |
| Chamblee | Progressive (ASI) |
| Peachtree Corners | NationWide |
| East Point | Chub |
| Martinez | Progressive |
| Atlanta | Travelers |
| Duluth | Liberty Mutual |
| Canton | Liberty Mutual |
| Sandy Springs | Travelers |
| Newnan | Travelers |
| Americus | Chub |
| Carrollton | Travelers |
| North Druid Hills | Allstate |
| Candler-McAfee | Progressive |
| McDonough | American Family |
| Lithia Springs | Allstate |
| Hinesville | Farmers |
| Augusta-Richmond County | Liberty Mutual |
| Stockbridge | Liberty Mutual |
| Evans | Progressive |
| Woodstock | Farmers |
| Suwanee | American Family |
| Rome | Liberty Mutual |
| Decatur | Liberty Mutual |
| Marietta | Allstate |
| Gainesville | Travelers |
| St. Marys | NationWide |
| Forest Park | USAA |
| Dublin | Travelers |
| Tifton | Liberty Mutual |
| Acworth | Chub |
| Brookhaven | USAA |
| Columbus | State Farm |
| Valdosta | Progressive (ASI) |
| Wilmington Island | Farmers |
| Johns Creek | American Family |
| Kingsland | Travelers |
| Snellville | State Farm |
| Buford | State Farm |
| Dunwoody | Liberty Mutual |
| Stonecrest | State Farm |
| Peachtree City | American Family |
| Macon-Bibb County | American Family |
| Milledgeville | USAA |
| Mableton | Allstate |
| Griffin | Amica |
Georgia Homeowners Insurance: Bundling Options
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.
| Bundling with Georgia Homeowners Insurance |
|---|
| Boat |
| Umbrella |
| ATV |
| Motorcycle |
| Health |
| Business |
| Auto |
| Life |
| RV |
Georgia Homeowners Insurance: Explanation of Coverages
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 attached structures and buildings. Examples include fences, attached garage, or patio cover.
- Coverage B – Other structures such as a garage, deck or swimming pool, guest house, gazebos, etc.
- 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.
Georgia Homeowners Insurance: Frequently Asked Questions
Is homeowners insurance required in Georgia?
Unlike car insurance, the state of Georgia does not technically require you to have homeowners insurance. However going without homeowners coverage is a bad idea and even though not required by law, your mortgage company might require this from you.
Why is homeowner’s insurance so expensive in Georgia?
While there many discounts that can help you lower your premium, Georgia is typically more expensive to insure your home because of the high risk weather elements such as hurricanes and flooding.
How long does an insurance company have to pay a claim in Georgia?
In total, they have 40 days to settle the claim. They must acknowledge the claim and start the process no later than 15 days after the insured files, then they have 15 days from that time to make a decision, and then 10 days to pay out.
Georgia Homeowners Insurance: Need Homeowners In Another State?
Georgia Homeowners Insurance: Ready To Bundle With Another Product?
Last Updated on by Lauren Mckenzie