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Best homeowners insurance companies in Georgia for 2024

Updated Jun 01, 2024
The best Georgia homeowners insurance companies include Allstate, Chubb, Auto-Owners, State Farm and Country Financial.

Compare the best homeowners insurance companies in Georgia

According to average rates provided by Quadrant Information Services, along with third-party scores issued in the 2023 J.D. Power U.S. Home Insurance Study and financial strength ratings from AM Best, Bankrate’s insurance editorial team narrowed down Auto-Owners, Chubb, Allstate, State Farm and Country Financial as the best homeowners insurance companies in Georgia.

To find the best company for your needs, you'll want to compare quotes from several companies for your chosen coverage types. When comparing companies, it may help to narrow down your priorities. These may include low rates, good customer service, unique discounts or a specific endorsement.

Insurance company
Bankrate Score
Info
Average monthly premium Average annual premium
4.6
Rating: 4.6 stars out of 5
$104
$1,243
4.3
Rating: 4.3 stars out of 5
$211
$2,526
4.2
Rating: 4.2 stars out of 5
$114
$1,364
4.2
Rating: 4.2 stars out of 5
$205
$2,458
3.9
Rating: 3.9 stars out of 5
N/A
N/A
*Premiums are for $300K in dwelling coverage

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Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

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Read our full methodology

The home insurance market can be complicated, but Bankrate's insurance editorial team used our unique perspective to bring readers information they need to make educated decisions when shopping for home insurance.

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years of industry expertise

122

carriers reviewed

34.5K

ZIP codes examined

1.2M

quotes analyzed

The top 5 home insurance companies in Georgia

Best for cheap rates

Auto-Owners

4.6

Rating: 4.6 stars out of 5

Avg. premium for $300K dwelling

$104/mo

Avg. premium for $300K dwelling

$1,243/yr

Customer satisfaction

834/1,000

Best for high-value homes

Chubb

4.3

Rating: 4.3 stars out of 5

Avg. premium for $300K dwelling

$211/mo

Avg. premium for $300K dwelling

$2,526/yr

Customer satisfaction

801/1,000

Best for personalized coverage options

Allstate

4.2

Rating: 4.2 stars out of 5

Avg. premium for $300K dwelling

$114/mo

Avg. premium for $300K dwelling

$1,364/yr

Customer satisfaction

809/1,000

Best for digital tools

State Farm

4.2

Rating: 4.2 stars out of 5

Avg. premium for $300K dwelling

$205/mo

Avg. premium for $300K dwelling

$2,458/yr

Customer satisfaction

829/1,000

Best for top-notch customer service

Country Financial

3.9

Rating: 3.9 stars out of 5

Avg. premium for $300K dwelling

Not available

Avg. premium for $300K dwelling

Not available

Customer satisfaction

819/1,000

Additional Georgia home insurance companies to consider

Travelers

Travelers

Who this may be best for

Homeowners who value straightforward coverage

Travelers stands out for its long list of endorsements, including jewelry and valuables coverage, water backup, identity fraud and green home coverage. The carrier has fairly unique discounts, including potential savings for green homes, but it scored well below average in J.D. Power's 2023 Home Insurance Study. To learn if Travelers could be right for you, read Bankrate’s Travelers insurance review.

USAA

USAA

Who this may be best for

Homeowners seeking military-focused coverage

For military members, veterans and their eligible families, USAA is known for low rates, outstanding customer service and extensive endorsement options. Home coverage from USAA automatically comes with replacement cost and coverage for damage to military uniforms occurring when policyholders are on active or reserve duty. For more information about USAA and what it has to offer, read Bankrate’s USAA insurance review.

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Advertising disclosure
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

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Cheapest home insurance companies in Georgia

For many policyholders, cost is the driving factor when deciding on home insurance. Depending on the age of your home, square footage, prior loss history and many other factors, your premium may be more or less than the average Georgia premium. Comparing rates, coverage types and discounts may help you secure the best policy with the lowest price. Below are the cheapest home insurance companies in Georgia, according to Bankrate’s analysis of average rate data from Quadrant Information Services.

Carrier Monthly premium for $300k coverage Annual premium for $300k coverage Savings vs state avg. for $300k coverage
$93
$1,116
- $829
$104
$1,243
- $702
$114
$1,364
- $581
$121
$1,453
- $492
$124
$1,483
- $462

How Bankrate chose the cheapest home insurance companies in Georgia

Bankrate uses premium information from Quadrant Information Services to find the carriers with the lowest average premiums in Georgia. However, we know that price isn't everything, so each of these cheap carriers has also been evaluated for coverage options, discount variety, customer service, financial strength and digital tool availability.

How to get cheap Georgia home insurance

Finding the best homeowners insurance in Georgia is an important step in financially protecting your home, which could be your most significant investment during your lifetime. Whether it's your first Georgia homeowners insurance policy or your 10th, finding the coverage that fits your needs as well as your budget can be challenging. However, following the steps below might keep you on track:

  • Evaluate your needs: Knowing how much coverage you need can help ensure you have adequate financial protection while preventing you from overinsuring or purchasing higher coverage limits than you need. Consulting with a licensed insurance agent could help you tailor a coverage package that makes the most sense for you and your home.
  • Compare quotes: Every company has its own unique underwriting guidelines and places different weights on various rating factors. Comparing quotes from multiple companies in Georgia will help you narrow down the ones that are the most competitive. When shopping around, you want to be sure that you’re requesting the same (or similar) coverage limits and options from carrier to carrier.
  • Take advantage of discounts: When requesting home insurance quotes in Georgia, it's a good idea to make sure that you’re taking advantage of every discount you may be eligible for. This is especially important when completing online quotes, as some applications may make you manually select certain discounts to apply them.
  • Maintain your property: Although some of Georgia is inland, much of the state is susceptible to wind and hurricane damage. Because newer roofs are less likely to be damaged in a severe storm, home insurance companies may offer lower rates to those with new roofs. Some companies even provide roof-specific discounts.
  • Raise your deductible: While not ideal, raising your deductible can help lower your homeowners insurance premium. If you go this route, many insurance professionals would advise you to select an amount you would feel comfortable paying out of pocket in an emergency. The focus of insurance is to lower your financial risk. If you choose a deductible that would cause you hardship, then that may defeat the purpose.

Best home insurance discounts in Georgia

Georgia homeowners insurance tends to be cheaper than the national average, but taking advantage of discounts could help you save even more. Discounts may vary from company to company, but when you’re requesting quotes, you may want to keep an eye out for some of the more common homeowners insurance discounts, including:

Statistics show that homeowners may be more likely to file claims in the future if they’ve filed a claim in the past. To reward homeowners who remain claims-free, many homeowners insurance companies offer a claims-free discount.
If your home has devices that help protect it from perils that would result in you filing a claim, you could qualify for a home insurance discount. Protective devices may include fire prevention devices or burglar alarms.
Georgia is at risk for severe weather, including hurricanes, tornadoes and hail. Some companies offer a discount to homeowners with new roofs since these are less likely to be damaged in a storm.
As an incentive to switch, some homeowners insurance companies in Georgia will give you a discount if you sign up for a new policy before your old one renews.

How to save on home insurance policy renewals in Georgia

Once you have a home insurance policy, there are several ways to actively mitigate your risk as a homeowner that may also help you lower or stabilize your home insurance premium.

  • Maintain your roof: New roofs may qualify your home insurance policy for a discount, but as it ages, the discount depreciates. Insurance companies can non-renew policyholders whose roofs are in rough shape even if no claim was made. Keeping up with annual roof inspections and cleaning out gutters can prevent a small problem from becoming bigger and keep your home in insurable condition.
  • Install wind and flood mitigation measures: Georgia experiences more than its fair share of high winds, and flood risks are increasing in coastal areas like Savannah. Investing in hurricane shutters, roof clips and maintaining the ground around your home to prevent flooding may help you earn wind mitigation discounts and protect your home when a weather event occurs.
  • Make environmentally sound choices: Several insurance companies are starting to offer green discounts to homeowners who make energy-efficient updates to their homes. You will want to check with your insurance agent before committing to an expensive update, but you might be simultaneously helping your budget and the earth.
  • Maintain a good credit score: Credit history is allowed in Georgia as a rating factor for home insurance at the time a new policy is issued. However, if you make home improvements, your credit could be rerun when your agent adjusts your policy.

How much is home insurance in Georgia?

On average, Georgia homeowners pay $1,945 annually for homeowners insurance with $300,000 in dwelling coverage. This is slightly lower than the national annual average cost of homeowners insurance, which is $2,230 per year. Home insurance premiums vary from state to state, including in the Southeast. For example, at an average cost of $5,533, Florida homeowners pay more per year for the same level of coverage. Alabama and Tennessee are also more expensive than Georgia, with average rates of $2,745 and $2,410, respectively.

Insurance company $150K $300K $350K $450K
$963
$1,364
$1,507
$1,782
$1,388
$2,526
$2,868
$3,505
$901
$1,243
$1,383
$1,663
$1,584
$2,458
$2,729
$3,370
N/A
N/A
N/A
N/A

Georgia homeowners insurance rates by city

Even within the same state, home insurance costs vary by city. Proximity to fire stations, crime rates, cost of labor and more all impact your premium. Below are the most expensive and least expensive Georgia cities in terms of average home insurance rates.

  • Murrayville: $1,664 per year — 14 percent below state average
  • Flovilla: $1,666 per year — 14 percent below state average
  • Winterville: $1,667 per year — 14 percent below state average
  • Athens: $1,667 per year — 14 percent below state average
  • Gillsville: $1,670 per year — 14 percent below state average
  • Saint Simons Island: $3,755 per year — 93 percent above state average
  • Tybee Island: $3,740 per year — 92 percent above state average
  • Sea Island: $3,708 per year — 91 percent above state average
  • Jekyll Island: $3,559 per year — 83 percent above state average
  • Crescent: $3,528 per year — 81 percent above state average

*Rates are for $300,000 in dwelling coverage.

What does home insurance cover in Georgia?

The most common type of home insurance policy is an HO-3. It is written on an open perils basis for dwelling and other structures coverage and a named perils basis for your personal property. This simply means that your dwelling and other structures are covered from all perils except for what is excluded from the policy. In contrast, your personal property is only covered from the perils named in your policy contract. Understanding what perils your home insurance policy covers allows you to search for potential insurance gaps.

  • Wind and hail: HO-3 policies cover wind, hail and falling objects. States prone to high wind may have windstorm coverage excluded, and homeowners must purchase an endorsement or standalone policy to acquire the coverage. Depending on your location in Georgia, you may have a separate windstorm deductible for named tropical cyclones that is percentage-based and separate from the standard homeowners insurance deductible.
  • Fire and lighting: Losses due to fire accounted for almost 25 percent of home claims in 2021 and are standard coverage in home policies.
  • Water damage and freezing: While flooding is excluded from home insurance, water damage from sudden plumbing issues like a frozen pipe bursting or appliance overflows is usually covered. Whether water damage is covered or not depends on your policy endorsements, provider and the source of the damage.
  • Theft and vandalism: While theft and vandalism aren’t naturally occurring perils, the hazard of theft and vandalism increases in more populated areas, impacting home insurance rates. Coverage for both is standard, and installing home security may earn you a discount on your premium.

Additional home insurance coverage types in Georgia

Hurricane damage is one of the most significant risks in the Peach State. In 1994, Tropical Storm Alberto dumped over 25 inches of rain in less than 24 hours on parts of the state, displacing more than 50,000 people. More recently, parts of Georgia experienced up to eight inches of rain as Hurricane Idalia made landfall in August 2023.

In addition to standard homeowners insurance coverage types like dwelling coverage, liability, personal property and loss of use, you may want to consider additional coverage to protect yourself against Georgia’s common causes of loss:

  • Flood insurance: Many areas of Georgia are at-risk for flood damage, with the average National Flood Insurance Program (NFIP) claim payout at over $26,000. Because flooding from storm surges is not covered by home insurance, you may want to consider purchasing a flood policy in conjunction with your homeowners policy. Additionally, you will likely be required to purchase a separate flood insurance policy if your home is in an at-risk area from either the National Flood Insurance Program or a private flood insurer. Some home insurers offer endorsements for flood coverage.
  • Windstorm coverage: Georgia’s coastal position comes with the risk of hurricane damage, which can be widespread and devastating. Most policies cover wind damage automatically, but if you are in a high-risk area, you may need a separate policy or endorsement. Even if your homeowners insurance policy does cover wind damage, you may have a separate wind deductible for named tropical cyclones.
  • Roof replacement cost: Although Georgia is not in Tornado Alley, it is prone to significant tornadic activity. And while most tornado damage comes from high winds, hail is also common with these convective storms. If your roof is newer or in good condition, you may qualify for roof replacement cost coverage. If your roof is damaged, you could get the full replacement cost for repairs or a new roof rather than seeing depreciation taken out of your settlement.

Because Georgia has a relatively high risk for storm-related damage, working with a licensed insurance agent to choose endorsements could be beneficial.

Related content:

Common Georgia home insurance problems

Homeowners insurance is readily available in Georgia, however some homeowners may have specific considerations based on where they live and their risk exposure. Some common Georgia home insurance problems include:

New

Recent news in Georgia homeowners insurance market

According to the First Street Foundation, a nonprofit organization focused on climate risk research and information, 406,440 properties in Georgia have a greater than 26 percent chance of experiencing a severe flood within the next 30 years due to climate change. Additionally, 84 percent of properties in Georgia may be affected by wildfires and 61 percent by wind in the next 30 years.

Homeowners may want to consider reviewing how climate risk and extreme weather may impact their homes. Reviewing your home's risk exposure may prompt you to adjust your coverage accordingly. According to First Street, residents living in the following Georgia cities may be impacted more than others by climate change:

  • Atlanta
  • Savannah
  • Augusta-Richmond
  • Columbus
  • St. Simons Island

Frequently asked questions

Methodology

Bankrate utilizes Quadrant Information Services to analyze June 2024 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on married male and female homeowners with a clean claim history, good credit and the following coverage limits:

  • Coverage A, Dwelling: $150,000, $300,000, $350,000, $450,000, $750,000
  • Coverage B, Other Structures: $15,000, $30,000, $35,000, $45,000, $75,000
  • Coverage C, Personal Property: $75,000, $150,000, $175,000, $225,000, $375,000
  • Coverage D, Loss of Use: $30,000, $60,000, $70,000, $90,000, $150,000
  • Coverage E, Liability: $500,000
  • Coverage F, Medical Payments: $1,000

The homeowners also have a $1,000 deductible, a $500 hail deductible and a 2 percent hurricane deductible (or the next closest deductible amounts that are available) where separate deductibles apply. 

These are sample rates and should be used for comparative purposes only. Your quotes will differ.

Bankrate Scores

Our Bankrate Score considers variables our insurance editorial team determined impacts policyholders’ experiences with an insurance company. These rating factors include a robust assessment of each company’s product availability, financial strength ratings, online capabilities and customer and claims support accessibility. Each factor was added to a category, and these categories were weighted in a tiered approach to analyze how companies perform in key customer-impacting categories. 
5
Rating: 5 stars out of 5
Overall Score
  • Cost & ratings 50%
  • Coverage & savings 30%
  • Support 20%
Like our previous Bankrate Scores, each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. This year, our 2023 scoring model provides a more comprehensive view, indicating when companies excel across several key areas and better highlighting where they fall short.
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Written by
Shannon Martin
Writer, Insurance

Shannon Martin is a licensed insurance agent and Bankrate analyst with over 15 years of experience in the industry. She enjoys helping others navigate the insurance world by cutting through complex jargon and empowering readers to make strong financial decisions independently.

Edited by Editor, Insurance
Reviewed by Director of corporate communications, Insurance Information Institute