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The Best Homeowners Insurance in Georgia [2023]

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Find a top-ranked Homeowners Insurance Agency in your area

With southern charm and tropical landscapes spanning over 59,000 square miles of land, it's no surprise that Georgia has inspired many to plant more roots than just for peach trees. Whether you've been drawn to Atlanta's bustling metropolitan area or the scenic riverside streets of Savannah, your home needs protection to grow.

While the Peach State has much more to offer like a relatively low cost of living and fair property taxes, there are also a handful of challenges — from unexpected natural disasters to harsh weather conditions. 

If you own a home or are thinking of buying in Georgia, it’s important to compare homeowners insurance rates and find the coverage that works best for you. 

We at Expertise.com have analyzed a handful of insurance companies. We’ll uncover everything to know about homeowners insurance in Georgia, and help you find the most comprehensive, cheapest coverage to suit your needs.

Average Cost of Homeowners Insurance in Georgia

The average cost of homeowners insurance in Georgia is $2,555 per year according to Insurance.com. Though Georgia boasts a lower-than-average cost of living, it's the 19th most expensive state in the country for home insurance at 11% higher than the national average of $2,305 for the coverage level of:

  • $300,000 dwelling coverage 

  • $1,000 deductible 

  • $300,000 liability

The cost of homeowners insurance in Georgia can differ vastly based on a few key factors:

  • The age of your home: Is your Georgia home an older home that is at risk of more structural wear and tear?

  • The square footage of your home: How big is your home? In general, larger homes will cost more to insure.

  • The materials used to build your home: Was your Georgia home built using materials prone to things like rotting or structural damage?

  • Building costs in your area: Because insurance deals with repairs and replacement, coverage increases with increased building costs.

  • The location in which you live: What are crime rates like? How close are you to a fire department? How close are you to water or the coastline?

  • Any additional features: Does your house have a swimming pool or hot tub that could pose a potential risk to guests? Do you have pets, and if so, what are their breeds? Surprisingly, insurers will look at these things when assessing prices.

  • Your deductible: A higher deductible will decrease your premium, but could cost you more if you file a claim. Talk to your insurance provider about diminishing deductibles to get the best plan that suits your payment needs.

Georgia Homeowners Insurance Rates by City

Like most large states, the cost of your homeowners insurance policy can vary greatly depending on where you live in the state.

Below is a breakdown of the average annual rate by city:

City

Average Annual Rate

Athens

Macon

Atlanta

Augusta

Savannah

The Best Homeowners Insurance in Georgia

After extensive research, we at Expertise.com found the following insurance agencies to provide the best, comprehensive coverage in Georgia:

State Farm logo

State Farm


Average Annual Rate: ~$1,600

Notes: Largest home insurance carrier in the U.S. but often has fewer discount options

Allstate logo

Allstate


Average Annual Rate: ~$1,400

Notes: Good for extended coverage plans

Country Financial

Country Financial


Average Annual Rate: ~$1,800

Notes: High customer service ratings and offers several discounts and add-ons.

Auto-Owners Insurance

Auto-Owners


Average Annual Rate: ~$930

Notes: Cheapest option but limited customer service hours

USAA logo

USAA


Average Annual Rate: ~$,1300

Notes: A great option for active-duty military members

Cheapest Homeowners Insurance in Georgia

The cheapest homeowners insurance coverage in Georgia is Auto-Owners. The company’s average premium for Georgia is $995 per year for $250,000 in dwelling coverage. 

It’s important to remember that prices vary depending on each person’s unique scenario, but if cost is the most important variable for you, check Auto-Owner's coverage options in Georgia first.

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Find Cheap Homeowners Insurance in Your Area

FAQs

Below, we tackle some common questions to help you make a more informed decision about which homeowners insurance to choose in Georgia specifically.

How to Reduce Homeowners Insurance Costs in Georgia

As we’ve pointed out, the price you pay for homeowners insurance can vary substantially across insurers. 

Here are a few ways to reduce costs:

  • Increase your deductible. This will help reduce monthly costs to your insurer, but it may mean paying more out of pocket should you need to make a claim. Similarly, paying your 6-month or 1-year premium in full will drive down monthly costs.

  • Bundle policies. Bundling your home and auto insurance can help you save 5–15% on your premiums. Talk to your insurance provider about home and car insurance bundling options and how that helps you save.

  • Take the necessary steps to make your home disaster-resistant. Some examples include:

    • Install a smoke detector and/or fire alarm.

    • Get a burglar alarm and/or dead-bolt locks.

    • Install a sprinkler system.

  • Nix the high-risk accessories. Similar to the above point, rid your home of things that are considered “high risk.” For example, did the kids go off to college? Time to throw out that trampoline that’s sitting in the backyard.

  • Seek out other discounts. Some things to look into:

    • Do you work from home? Insurance providers may feel you’re less prone to theft or may spot a fire or flood sooner.

    • Are you retired? You may qualify for a discount. 

    • Does your employer offer a group deal?

    • Even something as simple as choosing paperless billing can help you save!

  • Keep good credit. Some agencies will look at your credit history and charge less for those with good financial strength and standings.

As always, consult your insurance agent to see which of the above discounts you qualify for.

Georgia Insurance Options in Your City

At Expertise.com, our goal is to connect Georgia residents with the best local experts and agencies, so you can find the home insurance policy that safely insures your home and most prized possessions. 

View our list of the 14 best homeowners insurance companies in Georgia here

Learn more about the best homeowners insurance options in your respective Georgia cities below:

Our methodology evaluates each provider based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.