Best Homeowners Insurance in Georgia of 2024 (2024)

After in-depth research, we at the Guides Home Team found the following to be Georgia’s best homeowners insurance providers:

• Liberty Mutual: Out pick for discounts
• Allstate: Our pick for extended coverage
• American Family: Our pick for helpful online resources
• State Farm: Our pick for new homeowners
• Geico: Our pick for optional coverage
• Travelers: Our pick for deductible savings

According to 2023 homeowners insurance data from Quadrant Information Services, the average cost of homeowners insurance in Georgia is $2,468.00, which is lower than the national average of $2,511.25.

Home insurance rates are ultimately based on risk. To determine how likely you are to file a claim and how much it would cost, homeowners insurance companies use the factors below to set your premiums:

• Location: Construction costs vary based on location, so your rates will depend on your city and state. In addition to building costs, insurance providers will also factor in local crime rates and consider how close you live to a fire hydrant, police department or fire station.
• Claims history: Your past claims can be a good indicator to insurers of your likelihood of filing future claims. If you’ve filed multiple claims in the past, you may face higher premiums than if you have a claims-free history, which could even earn you discounts or a deductible credit.
• Credit history: Your credit history can also affect your premiums. If you have a low credit score, which most industry experts define as a 580 or lower, you could pay higher rates for coverage. Maintaining a fair or good credit score could help you get lower home insurance rates.
• Replacement cost: Replacement cost is the estimated amount of money needed to rebuild your home with the same type of building materials as those used initially. The insurance company will evaluate your home’s age, square footage, number of bedrooms and bathrooms, architectural style and roof condition to determine this dollar amount.
• Age: Architectural styles, building materials and plumbing and electrical systems change with time, making older homes harder to replace in some cases. If your home was built with rare, outdated materials that would be hard to replicate, you’ll probably pay higher rates than someone with a new home of a similar size.
• Roof condition: The home insurance company will also pay close attention to the condition of your home, whether it’s old or new. They will focus on your roof in particular because damaged roofs can lead to extensive and costly repairs to the rest of your home. Your quote application will likely ask about your roof’s construction or replacement date, as well as what building materials were used to construct it. You may be able to secure a discount for having a fire- or impact-resistant roof.
• Renovations: When you make significant updates to your home, it can change its replacement cost value. If you’re making a change that could alter your home’s value or square footage, it’s wise to inform your homeowners insurance company, as it could change the level of coverage you need and impact your rates.
• Pet: Home insurance is also important for its liability coverage, compensating for legal charges and medical payments if you (or your dog) are at fault for an injury. Dog breeds that are considered aggressive or likely to do severe damage if they were to bite someone can come with higher premiums on homeowners insurance. Check with your insurer to see whether your pet’s breed is on the list.
• Home security features: When you arm your home with security devices, it lowers your overall likelihood of filing a claim, which leads to reduced rates. In many cases, you can get a discount for securing your home with fire alarms, sprinklers, burglar alarms and deadbolts since they help prevent risks, such as fires and break-ins.
• Policy structure: The amount of coverage you choose, whether or not you add endorsem*nts and what deductible you select can significantly alter your homeowners rates. For example, you can lower your premium by agreeing to pay a higher deductible in the event of a claim. However, doing so will leave you with more out-of-pocket costs if something happens to your home or personal property.
• Discounts: Each of the Georgia homeowners insurance companies in this review offers discounts to help customers save on coverage. Most providers offer a multi-policy discount that rewards you for bundling home and auto insurance, and some providers offer other unique savings incentives.

The most common causes of home insurance claims in Georgia are related to the weather and natural disasters. Specifically, Peach State residents are at risk of the following:

• Hurricanes: People who live along the Atlantic coastline are at risk of damage from hurricanes and storm surges. A handful of the nation’s costliest hurricanes, such as Katrina and Irma, caused significant property damage in the state.
• Flooding: Hurricane-related or not, the average flood payout from the National Flood Insurance Program in Georgia is more than $26,000.
• Tornadoes: Georgia sees its fair share of tornadoes each year. The National Oceanic and Atmospheric Administration (NOAA) reports twisters as the leading cause of property loss between 1996 and 2014, causing $44.2 million per year in damage.

Hail, wind damage and lightning are on the list of the 16 perils covered by standard homeowners insurance plans. Depending on where you live, you may need to purchase additional coverage for windstorms to shield your property against hurricane damage.

No homeowners insurance policies insure your home against flooding, but there are separate policies for floods.

If you live in a metropolitan area such as Atlanta, you may also be at an increased risk of theft and vandalism, which are covered by homeowners insurance policies.

After thoroughly comparing quotes and customer reviews, we recommend Allstate as the best overall homeowners insurance company in Georgia. The company offers an impressive selection of discounts, additional coverages, third-party ratings and customer resources.

However, each provider in this review scored well in our review process and has advantages that could make it a good fit for you. To pick the right provider to protect what matters most, we recommend getting quotes from at least three homeowners insurance companies that serve Georgia residents.

You can get insurance quotes from insurers by entering your zip code here or calling 855-948-5219.

Our team surveyed dozens of home insurance providers and created a scoring system to assess and compare each company’s quality and service. Here are the factors that account for our provider scores according to our home insurance rating methodology:

• Cost (27%): We compare cost data for homes nationwide to assess how competitively priced each provider is. We also consider each company’s available discounts when determining its overall cost of coverage.
• Coverage (28%): We analyze the comprehensiveness of each provider’s standard home insurance policy and compare optional policy endorsem*nts to determine the quality of coverage.
• Availability and ease of use (15%): We evaluate each company’s customer service options, such as live chat, a customer support phone line, and multiple channels for filing claims and generating quotes. Similarly, we score providers based on their digital resources, such as a mobile app or online customer portal.
• Brand trust (15%): We gauge reputation by evaluating consumer reviews and third-party financial strength and customer experience ratings, including from J.D. Power, AM Best and customer review aggregators.

Companies with the best customer service exhibit 24/7 availability, useful digital tools and a quick claims-filing process. Providers that offer extensive discount options, endorsem*nts, customizable coverage options and unique features score significantly higher than those that don’t, putting them toward the top of our recommendations to readers.

AM Best Disclaimer