Brooke Adams
“It is my goal to always put the needs of my clients and their education of insurance matters first.”
Insurance Product: Personal Insurance and Business Insurance
📍 Atlanta, Georgia, 30344, United States
Anita Ford
Associated Carriers: Infinity, Foremost, Dairyland, Amelia Underwriters, Hiscox and Bonds.
“You should be confident that, in the event of adversity, you have taken the essential preparations
to ensure your peace of mind.”
Insurance Products: Personal and Business Insurance
📍Hapeville, Georgia, 30354, United States
Darius Miller
“I come with more than a decade of experience in Personal and Small Business Insurance.”
Insurance Products: Personal Insurance and Business Insurance
📍Savannah, Georgia, 31404
Whether you’ve just moved to Georgia or have lived here for many years, it’s crucial to secure the place you call home. This means getting the best homeowners insurance.
But insurance shopping can often be confusing or takes a lot of your effort. That’s why when shopping for home insurance, it’s a good idea to get in touch with a local independent insurance agent to compare the best home insurance policies.
Why Choose Agency Height?
Local Coverage Expertise– Explore top agents who best understand your location, local laws, and needs.
The Power to Choose– Talk to an agent or five, the choice is yours! Get multiple quotes and pick the one you like best.
Hassle-free process– No unwanted calls. Book free consultations with only the ones you choose.
Popular Homeowners Coverages in the State
Standard Coverage
- Personal property coverage
- Personal Liability and Medical Payment to Others
- Dwelling coverage
- Additional Living Expenses/Loss of Rent
- Wind/hail damage
- Hurricane damage
Recommended Coverage
- Flood Insurance
- Personal property replacement cost
Optional Coverage
- Blanket Jewelry
- Escape of Water
- Inflation protection
Homeowner’s Insurance Cost in Georgia
There are significant differences in home insurance costs between states. It can vary depending on the total amount of homeowners’ claims submitted in that state and the value of the possessions and structures protected by the insurance.
According to research by Bankrate, homeowners insurance in Georgia typically costs $1,373 annually, or $114 per month, for $250,000 in dwelling coverage.
Average Homeowners Insurance Rates in Georgia
| Company | Annual | Monthly |
| Progressive | $1,352 | $113 |
| Farmers | $1,675 | $140 |
| USAA | $1,787 | $149 |
| Chubb | $1,981 | $165 |
| State Farm | $2,262 | $189 |
| Travelers | $2,421 | $202 |
| State average | $1,373 | $114 |
Popular Coverage Limits in Georgia
The level of coverage you select has a significant impact on the cost of your home insurance. In Georgia, the average cost of carrying $100K in dwelling coverage is $781 per year, while the average cost of carrying a $400K in coverage is $2,147 annually.
| Coverage Level | Average Annual Cost |
| $100,000 Dwelling | $781 |
| $200,000 Dwelling | $1,180 |
| $250,000 Dwelling | $1,373 |
| $400,000 Dwelling | $2,147 |
Cheapest Cities in Georgia for Homeowners Insurance
The cost of Georgia homeowners’ insurance depends on a number of variables, such as the city’s crime rate, a home’s distance from a fire station, and the value of nearby properties. Here is a list of Georgia’s five most affordable cities for homeowners’ insurance.
| City Name | Average Home Insurance Rate |
| Winterville | $1,495 |
| Athens | $1,517 |
| Bogart | $1,523 |
| Watkinsville | $1,530 |
| Canton | $1,536 |
Most Expensive Cities in Georgia for Homeowners Insurance
| City Name | Average Home Insurance Rate |
| Atlanta | $3,855 |
| Augusta-Richmond-County | $1,413 |
| Columbus | $1,461 |
| Macon-Bibb County | $1,008 |
| Savannah | $2,210 |
Frequently Asked Questions
How much homeowner's insurance do I need in Georgia?
Most standard home insurance policies in the state come with personal property coverage, personal liability, dwelling, medical payment to others, wind/hail, and hurricane damage. While standard homeowners insurance suffices, it is also a good idea to get flood insurance.
What does homeowners insurance cover in Georgia?
A typical home insurance policy, also called a HO-3 policy, covers the house for any issue that isn’t explicitly excluded. Standard exclusions include normal wear and tear, carelessness, nuclear hazards, power outages, birds, rats, and insect infestations.
What homeowners insurance is the best in Georgia?
Country Financial is the top-ranked home insurance provider in Georgia overall and the best in terms of customer satisfaction. Farmers and Progressive are your best bets if you’re on a tight budget.
How much is homeowners insurance in Georgia?
The average cost of homeowners insurance in Georgia is $1,373 per year or $114 a month.
Does homeowners insurance cover water damage in Georgia?
Standard home insurance plans often cover some water damage, but not all of it. The peril that resulted in the water damage makes a difference. If rain enters your home as a result of a covered risk, such as a windstorm, the insurance will typically cover water damage from rain.
Is homeowners insurance tax deductible in Georgia?
While premium payments for private homeowners insurance plans are not tax deductible, there are a few circumstances in which house insurance costs may be written off. When filing your taxes, you may be able to deduct the cost of the private mortgage insurance you purchased. If you are self-employed or your home office is a component of your residence, you may be qualified for a home office deduction.
How do I shop for home insurance in Georgia?
Identifying how much insurance you require is the first step in the process. If you’re unsure, speak with an independent insurance agent in Georgia who can help you compare prices from several Georgia home insurance carriers.
Find a Local Insurance Agent Near You
Connect with a local agent online to help you with your insurance needs.
