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The 5 Best Homeowners Insurance Companies in Georgia

To select the best home insurance in Georgia, you should evaluate each carrier’s coverage, costs, customer service quality and ability to pay claims. Pick a home insurance company that gives you the confidence to process your claim efficiently and swiftly pay for the damages.

To help you obtain the best homeowners insurance in Georgia, MoneyGeek ranked the top five companies based on elements like their J.D. power customer satisfaction, affordability and AM Best’s financial stability rating.


1

USAAScore: 96

4.6/5

Affordability

5/5

User Satisfaction

5/5

Financial Stability


USAA's homeowners insurance policy offers coverage costs for damage due to vandalism, identity theft, fire, theft, liability and most weather-related events. Added coverage options include loss of use, dwelling coverage, personal liability, personal belongings, earthquake coverage, home-sharing coverage and coverage for other structures separate from the home like fences, driveways, garages and storage sheds.

2

FarmersScore: 94

5/5

Affordability

4.6/5

User Satisfaction

4/5

Financial Stability


Farmers offers customizable homeowners insurance plans that allow you to add coverage for multi-policy, home contents, eco rebuild and identity management. Select customers are eligible for multiple discounts. It also offers helpful technology tools like a mobile app, online rate calculator, online claim application, online bills payment and a home inventory feature.

Read MoneyGeek's Farmers Home Insurance Review

3

NationwideScore: 88

4.4/5

Affordability

4.3/5

User Satisfaction

4.5/5

Financial Stability


Nationwide presents robust home insurance offerings as well as a range of billing and payment features. You can get coverage for dwelling, personal property, other structures, credit cards, ordinance or law insurance, medical payments, personal liability and loss of use. Nationwide’s roof replacement coverage provides costs for repairing your roof if it gets damaged during a hurricane event. Additionally, you can include protection for backup of a drain, sump pump or sewer.

Read MoneyGeek's Nationwide Home Insurance Review

4

TravelersScore: 88

4.5/5

Affordability

3.9/5

User Satisfaction

5/5

Financial Stability


Travelers’ home insurance covers dwelling, personal property, other structures, loss of use, medical payments to others ($1,000 per person) and personal liability (beginning at $100,000). Green homeowners in Georgia can get coverage to replace, rebuild or repair green materials. Be prepared for any flooding by getting coverage for water backup in your sewer. You can easily file a claim on the Travelers’ website or mobile app.

Read MoneyGeek's Travelers Home Insurance Review

5

AllstateScore: 88

4.5/5

Affordability

4.2/5

User Satisfaction

4.5/5

Financial Stability


Allstate presents dwelling coverage, guest medical protection, personal property coverage, additional living expenses protection, other structures and liability protection. For hurricane events, you can get water backup and flood insurance coverage. You can file claims on Allstate’s mobile app or website.

Read MoneyGeek's Allstate Home Insurance Review

What Is the Average Cost of Homeowners Insurance in Georgia?

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$0

home insurance is 0.0% more than the average.

The average annual premium for home insurance in Georgia is $2,147, which is 2.1% higher than the national average of $2,103. This state’s baseline coverage is $250,000. You should prepare for any emergencies and natural calamities by getting proper home insurance protection beforehand.

Home Insurance Calculator: Estimate the Cost of Homeowners Insurance in Georgia

To determine the cost of homeowners insurance in Georgia, providers will consider multiple factors, including your home’s age, dwelling value, location, roof quality and credit score, among others. Properties in hazardous areas may cost more to cover since they can be more vulnerable to damage.

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Home Insurance Calculator

State

Georgia

Dwelling Coverage

$250,000

Deductible

$500

Liability

$300,000

Personal Property

$150,000

Credit Score

Excellent
moneygeek-logo

low end

on average

high end

These are annual estimates. Get a personalized quote to determine your costs.

The Cheapest Homeowners Insurance Quotes in Georgia

When it comes to cheap homeowners insurance in Georgia, the ideal option is Farmers, with an average annual premium of $703 for a dwelling coverage baseline amount of $250,000. This average price is about $1,444, or 67.2% less than the state average. Dwelling coverage of $250,000 will pay for repairing expenses if your property gets damaged by incidents like vandalism, explosions, fire and smoke, hail, theft and falling objects. It’s wise to compare homeowners insurance quotes to obtain the best coverage for your budget and property.

Cheapest Homeowners Insurance by Dwelling Coverage

Dwelling Coverage:

$250,000
Company
Amountper year
1. Farmers
In 2020, Farmers ranked #1 for the cheapest homeowners insurance with $250,000 in dwelling coverage in Georgia.
$703
2. ASI
In 2020, ASI ranked #2 for the cheapest homeowners insurance with $250,000 in dwelling coverage in Georgia.
$1,329
3. Chubb
In 2020, Chubb ranked #3 for the cheapest homeowners insurance with $250,000 in dwelling coverage in Georgia.
$1,415
4. USAA
In 2020, USAA ranked #4 for the cheapest homeowners insurance with $250,000 in dwelling coverage in Georgia.
$1,693
5. Travelers
In 2020, Travelers ranked #5 for the cheapest homeowners insurance with $250,000 in dwelling coverage in Georgia.
$1,897

Best Cheap Homeowners Insurance Companies for Expensive Homes

If you own a costly property, there are options for you to get the best home insurance in Georgia. For a $2 million home, Farmers offers the most affordable average annual premium in Georgia. Its average rate is $3,537 per year, which is 17 times less than the average price of the costliest provider in the state, Auto-Owners Insurance Co, with an average annual coverage of $60,759.

Cheapest Homeowners Insurance Companies for High-Value Homes
Company
Amountper year
1. Farmers
In 2020, Farmers ranked #1 in Georgia for the cheapest homeowners insurance for high-value homes.
$3,537
2. Chubb
In 2020, Chubb ranked #2 in Georgia for the cheapest homeowners insurance for high-value homes.
$7,673
3. USAA
In 2020, USAA ranked #3 in Georgia for the cheapest homeowners insurance for high-value homes.
$7,806
4. ASI
In 2020, ASI ranked #4 in Georgia for the cheapest homeowners insurance for high-value homes.
$9,007
5. Allstate
In 2020, Allstate ranked #5 in Georgia for the cheapest homeowners insurance for high-value homes.
$10,985

Best Homeowners Insurance Companies if You Have a Pool

For pool properties with an average dwelling cost of $250,000, Farmers offers the best homeowners insurance in Georgia. Its average annual premium is $755. You may want to check with your provider if their coverage includes the cost of damage to your pool because of a rainstorm or hurricane event.

Cheapest Homeowners Insurance for Pool Home
Company
Amountper year
1. Farmers
In 2020, Farmers ranked #1 in Georgia for the cheapest homeowners insurance for homes with a pool.
$755
2. Chubb
In 2020, Chubb ranked #2 in Georgia for the cheapest homeowners insurance for homes with a pool.
$1,415
3. ASI
In 2020, ASI ranked #3 in Georgia for the cheapest homeowners insurance for homes with a pool.
$1,505
4. USAA
In 2020, USAA ranked #4 in Georgia for the cheapest homeowners insurance for homes with a pool.
$1,617
5. Nationwide
In 2020, Nationwide ranked #5 in Georgia for the cheapest homeowners insurance for homes with a pool.
$1,843

Cheapest Home Insurance in Georgia if You Have Poor Credit

Most home insurance providers consider your credit score to calculate your annual premium. You can maintain a good credit score by not having high credit card debt and making timely payments. For those with poor credit, Farmers provides the best homeowners insurance in Georgia. Its average annual premium is $1,523 for a dwelling coverage amount of $250,000.

Cheapest Homeowners Insurance for Poor Credit
Company
Amountper year
1. Farmers
In 2020, Farmers ranked #1 for the cheapest homeowners insurance for owners with poor credit in Georgia.
$1,523
2. Country Financial
In 2020, Country Financial ranked #2 for the cheapest homeowners insurance for owners with poor credit in Georgia.
$2,501
3. Chubb
In 2020, Chubb ranked #3 for the cheapest homeowners insurance for owners with poor credit in Georgia.
$2,524
4. ASI
In 2020, ASI ranked #4 for the cheapest homeowners insurance for owners with poor credit in Georgia.
$2,562
5. Travelers
In 2020, Travelers ranked #5 for the cheapest homeowners insurance for owners with poor credit in Georgia.
$3,516

How to Get Homeowners Insurance Quotes in Georgia

To obtain home insurance in Georgia, you need to provide necessary details like your name, phone number, address and Social Security number. You should also disclose the value of your home and possessions, as well as the worth of any add-ons such as a pool. If you organize frequent parties, you may want to get medical payment coverage for any possible injury to a property guest. The insurance provider will prepare your custom quote based on your answers.

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Other Considerations for Homeowners Insurance in Georgia

Consider weather factors when you try to obtain home insurance in Georgia. You should prepare for emergencies and hazardous weather conditions by getting proper protection. This protection will give you the needed coverage to repair your property and essential assets if the requirement arises.


Do You Need Hurricane Insurance in Georgia?This is an icon

You might want to consider including coverage for hurricane damage with your homeowners insurance in Georgia. Georgia’s average reconstruction cost for damage due to a category 3 hurricane is $26,994. In addition to hurricane coverage, you should also consider buying separate windstorm and flood policies.

Do You Need Flood Insurance in Georgia?This is an icon

In Georgia, 347,700 — or 7.9% — of properties face the risk of floods in 2020. To be prepared, you can get a government-backed National Flood Insurance Program (NFIP) policy. In addition, to improve the coverage amount, you should consider paying for an incremental private policy.

Do You Need Hail Insurance in Georgia?This is an icon

Georgia ranks 13th in the U.S. for the number of hail events. You may want to play it safe and get proper home insurance coverage for possible hail damage.

Methodology

MoneyGeek analyzed homeowners insurance premiums from 16 of the top insurance companies in Georgia that were provided in partnership with Quadrant. Our analysis includes quotes from ZIP codes across Georgia. Quotes were gathered with an average home profile of 2,500 square feet, built in 2000, with an average dwelling coverage value of $250,000, liability coverage of $100,000 and personal property coverage of $100,000.

Sources