Best Homeowners Insurance Companies in Georgia

Auto-Owners stands out as Georgia's most affordable home insurance option. The company offers unique coverage options like inland flood insurance that can be added directly to your homeowners policy instead of requiring a separate National Flood Insurance Program policy. This makes it particularly valuable for Georgia homeowners in low-to-moderate flood zones who want protection without managing multiple policies. The company's guaranteed home replacement cost coverage provides peace of mind that your home will be fully rebuilt even if construction costs exceed your policy limits.

Auto-Owners charges an average of $1,640 annually for home insurance in Georgia, making it 27% cheaper than the state average of $2,258 and 53% below the national average of $3,467. Auto-Owners offers multiple ways to reduce your premium, including discounts for bundling home and auto policies and installing protective devices like security systems or smoke detectors.

Auto-Owners earned a score of 621 out of 1,000 points in the J.D. Power 2025 U.S. Home Insurance Study, falling slightly below the industry average of 642. Despite this moderate score, the company's combination of affordable rates and reliable claims handling makes it a solid choice for Georgia homeowners prioritizing cost savings. Auto-Owners operates through local independent agents who can provide personalized service and help you navigate coverage decisions, though this traditional model means fewer digital self-service options compared to tech-focused competitors.

Auto-Owners provides standard homeowners coverage with an extensive selection of optional add-ons to customize your protection. Available optional coverages include:

• Guaranteed Home Replacement Cost: Pays full rebuilding costs even if they exceed your coverage limit
• Water Backup of Sewers or Drains: Covers damage from backed-up plumbing systems with flexible limit options
• Special Personal Property Coverage: Broader protection for belongings including loss, misplacement and staining
• Ordinance or Law Coverage: Pays costs to bring your home up to current building codes after a loss
• Homeowners Plus: Package adding appliance leak damage, increased food spoilage limits and more
• Equipment Breakdown: Covers mechanical failures of home equipment from HVAC to appliances
• Identity Theft Expense Coverage: Provides up to $15,000 for identity restoration expenses
• Home Cyber Protection: Covers costs to recover stolen data, restore devices and address fraud
• Inland Flood Coverage: Alternative to National Flood Insurance Program for low-to-moderate flood zones

USAA charges an average of $1,930 annually for home insurance in Georgia, which is 15% below the state average of $2,258 and 44% cheaper than the national average of $3,467. USAA offers discounts of up to 10% for bundling home and auto policies, as well as loyalty discounts and savings for installing security systems and maintaining a claims-free history.

USAA dominates customer satisfaction with a J.D. Power score of 737 out of 1,000 points, earning the highest score in the study and outperforming the 642 industry average. Military families praise USAA's understanding of deployment situations, PCS moves and the specific insurance challenges that come with military service. The company's robust digital platform lets you manage your policy, file claims and communicate with representatives from anywhere, which is essential for military families stationed overseas or dealing with frequent relocations.

USAA offers standard homeowners protection with military-focused optional coverages. Available optional coverages include:

• Home Protector: Increases dwelling and other structures limits by 25% when rebuilding costs exceed coverage due to market changes
• Water Backup: Covers damage from water or sewage backing up through plumbing, including sump pump overflow
• Earthquake: Protects your home and belongings from damage caused by earthquakes, shock waves or tremors
• Personal Injury: Provides liability protection if you're accused of libel, slander, defamation or other reputation-damaging actions

Chubb specializes in high-value home insurance with coverage features that go beyond standard policies. The company earned a J.D. Power score of 677 points, ranking second among top insurers. Chubb's extended replacement cost coverage rebuilds your home to its original condition even when costs exceed your policy limit, including upgrades required by modern building codes. The complimentary risk consulting service sends appraisers to document your home's features and provide security recommendations, ensuring your coverage accurately reflects your property's value. While Chubb's premiums are higher than competitors, homeowners with valuable properties appreciate the comprehensive protection and white-glove service.

Chubb charges an average of $2,411 annually for home insurance in Georgia, which is 7% more than the state average of $2,258 but still 30% below the national average of $3,467. Chubb offers discounts for bundling multiple policies and installing advanced security systems, though the company focuses more on comprehensive coverage than its discount programs.

Chubb earned a J.D. Power score of 677 out of 1,000 points, earning it the No. 2 spot in the study's ranking. Homeowners with high-value properties consistently praise Chubb's personalized service, knowledgeable agents and smooth claims process. The company's risk consulting team provides proactive support rather than reactive problem-solving, helping you prevent losses before they happen through security assessments and maintenance recommendations.

Chubb provides premium homeowners coverage designed for high-value properties with extensive customization options. Available coverage features include:

• Extended Replacement Cost: Pays to rebuild your home to original condition even when costs exceed policy limits, including building code upgrades
• Temporary Living Arrangements: Helps you find comfortable temporary housing in your school district or suitable hotel while your home is rebuilt
• Risk Consulting: Complimentary home appraisals from trained consultants who document your property's features and provide security advice
• Cash Settlement: Option to receive payment up to your policy limit if you choose not to rebuild at the original location
• Replacement Cost Coverage: Replaces belongings at today's prices without depreciation deductions, including upgraded appliances at exact or latest model pricing
• HomeScan: Infrared technology service that detects hidden problems like leaks, insulation gaps and electrical issues before damage occurs
• Additional Coverages: Includes tree removal after storms, lock replacement for lost or stolen keys and other unexpected situations

State Farm's biggest advantage is its massive network of local agents throughout Georgia, making it easy to find in-person support when you need help with claims or coverage questions. The company earned a J.D. Power score of 657 points, beating the 642 industry average and demonstrating solid customer satisfaction. State Farm offers practical optional coverages that address common homeowner concerns, including service line coverage for underground utility repairs — a valuable addition in Georgia where aging infrastructure can lead to expensive pipe replacements. State Farm's combination of accessible local service and comprehensive coverage options appeals to homeowners who value the ability to meet face-to-face with their agent, though you'll pay higher prices for this service model.

State Farm charges an average of $2,656 annually for home insurance in Georgia, which is 18% more than the state average of $2,258. State Farm offers discounts for bundling home and auto policies and installing certain safety and security features, such as fire or burglar alarms or impact-resistant roofing products.

State Farm earned a J.D. Power score of 657 out of 1,000 points, performing above the 642 industry average but trailing competitors like USAA and Chubb. Homeowners appreciate State Farm's widespread agent network, which provides convenient access to local insurance professionals who can explain coverage options and help with claims. The company's long-established presence in Georgia means agents understand regional risks like severe storms and tornado damage.

State Farm provides standard homeowners protection with practical add-on options for common coverage gaps. Available optional coverages include:

• Personal Articles Policy: Covers high-value items like jewelry, art and collectibles against broader risks than standard policies
• Umbrella Policy: Increases personal liability protection beyond your homeowners and auto policy limits
• Service Line Coverage: Pays for repairs to underground utility lines on your property
• Sewer Backup Coverage: Covers water damage and cleanup costs from sewer backups starting inside your home
• Energy Efficiency Upgrade: Provides additional funds to replace damaged systems with more energy-efficient models
• Identity Fraud Protection: Covers costs associated with restoring your identity after theft

Allstate balances reasonable pricing with practical optional coverages that address modern homeowner needs. The company earned a J.D. Power score of 633 points, falling slightly below the 642 industry average. Allstate's optional coverages include electronic data recovery for lost computer files and green improvement reimbursement that pays extra costs to replace damaged items with energy-efficient alternatives. The company's combination of below-average pricing and comprehensive optional coverages makes it a solid choice for Georgia homeowners.

Allstate charges an average of $2,112 annually for home insurance in Georgia, which is 6% below the state average of $2,258. Allstate offers discounts for bundling home and auto policies, paying bills on time, signing up for a policy at least seven days before it starts and maintaining a claims-free record over multiple years.

Allstate earned a J.D. Power score of 633 out of 1,000 points, falling just below the 642 industry average. Homeowners report mixed experiences with Allstate, with service quality often depending on the local agent handling their policy. The company's established presence in Georgia provides convenient access to agents for those who value in-person service.

Allstate provides standard homeowners protection with optional add-ons for specialized coverage needs. Available optional coverages include:

• Identity Theft Restoration: Covers legal fees, lost wages and related costs if your identity is stolen
• Water Backup: Covers water damage from backed-up drains or broken sump pumps
• Scheduled Personal Property: Covers appraised valuable items like engagement rings and antiques
• Business Property: Increases limits for business-related items stored in your home, including inventory
• Sports Equipment: Increases coverage for expensive gear like golf clubs and ski equipment
• Green Improvement Reimbursement: Pays additional costs to replace damaged items with energy-efficient alternatives
• Yard and Garden: Increases limits for trees, landscaping and riding lawn mowers
• Electronic Data Recovery: Covers costs to recover lost personal computer data like photos and videos
• Musical Instruments: Increases coverage for instruments like guitars and violins