Best Homeowners Insurance Companies in Georgia

Auto-Owners is Georgia's cheapest home insurer. Inland flood insurance comes as a unique add-on. You attach it directly to your homeowners policy. No separate National Flood Insurance Program policy needed. Georgia homeowners in low-to-moderate flood zones get protection without juggling multiple policies. Guaranteed home replacement cost coverage rebuilds your home completely. Construction costs exceeding your policy limits won't leave you short.

Georgia home insurance through Auto-Owners costs $1,640 yearly. The state average is $2,258, and Auto-Owners beats that by 27%. The national average reaches $3,467,and Auto-Owners undercuts that by 53%.

Several strategies cut your premium. Bundle home and auto policies together for savings. Install security systems or smoke detectors for additional discounts.

J.D. Power gave Auto-Owners 621 out of 1,000 points in the 2025 U.S. Home Insurance Study. The industry average reaches 642. Auto-Owners falls slightly short. Affordable rates and reliable claims handling still make it worthwhile for Georgia homeowners chasing cost savings. Local independent agents handle all policy management. These agents deliver personalized service and walk you through coverage decisions. The trade-off: fewer digital self-service tools than tech-focused competitors provide.

Auto-Owners sells standard homeowners coverage. Extensive optional add-ons let you customize protection. Optional coverages you can buy:

• Guaranteed home replacement cost: Pays full rebuilding costs when they exceed your coverage limit
• Water backup of sewers or drains: Covers damage from backed-up plumbing systems with limits up to $25,000
• Special personal property: Covers belongings for loss, misplacement and staining beyond standard policy protection
• Ordinance or law: Pays to upgrade your home to current building codes after a loss
• Homeowners Plus: Package adds appliance leak damage, increased food spoilage limits, limited fungi coverage and automatic inflation protection
• Equipment breakdown: Covers mechanical failures of home equipment, including HVAC systems, water heaters and appliances
• Identity theft expense: Covers up to $15,000 for identity restoration expenses
• Home cyber protection: Covers costs to recover stolen data, restore devices and resolve fraud
• Inland flood: Alternative to the 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 leads customer satisfaction with a J.D. Power score of 737 out of 1,000 points: the highest score in the study and above the 642 industry average. Military families praise USAA's understanding of deployment situations, PCS moves and insurance challenges with military service. USAA's digital platform lets you manage your policy, file claims and communicate with representatives from anywhere. This matters for military families stationed overseas or dealing with frequent relocations.

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

• Home Protector: Increases dwelling and other structure 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: Covers damage to your home and belongings from earthquakes, shock waves or tremors
• Personal injury: Covers liability if you're accused of libel, slander, defamation or other reputation-damaging actions

Chubb targets high-value homes. Coverage features surpass what standard policies deliver. J.D. Power gave Chubb 677 points. This ranks second among top insurers.

Extended replacement cost coverage rebuilds your home to original condition. Costs exceeding your policy limit won't stop the rebuild. Modern building code upgrades get covered too. Complimentary risk consulting sends appraisers to your home. They document features and recommend security improvements.

Your coverage matches your property's actual value. Chubb charges more than competitors. Homeowners with valuable properties accept higher premiums for comprehensive protection and white-glove service.

Georgia home insurance through Chubb costs $2,411 yearly. The state average is $2,258, and Chubb charges 7% more. The national average reaches $3,467. Chubb still undercuts that by 30%.

Bundle multiple policies together for discounts. Install advanced security systems for additional savings. The company prioritizes comprehensive coverage over aggressive discount programs though.

J.D. Power gave Chubb 677 out of 1,000 points. This earns the second spot in the study's ranking. Homeowners with high-value properties consistently praise personalized service, knowledgeable agents and smooth claims processing.

The risk consulting team prevents losses proactively. Security assessments and maintenance recommendations stop problems before they start. Reactive problem-solving isn't their style.

Chubb sells premium homeowners coverage built for high-value properties. Extensive customization lets you tailor protection. Coverage features you can get:

• Extended replacement cost: Pays to rebuild your home to its original condition when costs exceed policy limits, including building code upgrades
• Temporary living arrangements: Covers temporary housing in your school district or a suitable hotel while your home is rebuilt
• Risk consulting: Complimentary home appraisals from consultants who document your property's features and give security advice
• Cash settlement: Receive payment up to your policy limit if you choose not to rebuild at the original location
• Replacement cost: Replaces belongings at current prices without depreciation deductions and upgrades appliances to the latest models
• HomeScan: Infrared technology service detects hidden problems like leaks, insulation gaps and electrical issues
• Additional coverages: Tree removal after storms, lock replacement for lost or stolen keys and other covered situations

State Farm has a large network of local agents throughout Georgia. You can find in-person support for claims or coverage questions. State Farm earned a J.D. Power score of 657 points, above the 642 industry average. State Farm offers optional coverages for common homeowner concerns, including service line coverage for underground utility repairs, valuable in Georgia, where aging infrastructure leads to expensive pipe replacements. State Farm's local service and coverage options appeal to homeowners who want face-to-face meetings with their agent, though you'll pay higher prices for this service model.

Georgia home insurance through State Farm costs $2,656 yearly. The state average hits $2,258. State Farm charges 18% more.

Bundle home and auto policies together for discounts. Install safety and security features for additional savings. Fire alarms, burglar alarms and impact-resistant roofing products all qualify.

J.D. Power gave State Farm 657 out of 1,000 points. This beats the 642 industry average. USAA and Chubb score higher though. Homeowners appreciate State Farm's widespread agent network. Local insurance professionals become easily accessible. They explain coverage options and assist with claims. State Farm has operated in Georgia for decades. Agents understand regional risks. Severe storms and tornado damage are familiar territory.

State Farm sells standard homeowners protection. Practical add-ons fill common coverage gaps. Optional coverages you can buy:

• 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: Pays for repairs to underground utility lines on your property
• Sewer back-up: Covers water damage and cleanup costs from sewer backups starting inside your home
• Energy efficiency upgrade: Covers additional costs to replace damaged systems with energy-efficient models
• Identity fraud protection: Covers costs to restore your identity after theft

Allstate pairs reasonable pricing with practical optional coverages. Modern homeowner needs get addressed. J.D. Power gave Allstate 633 points. The industry average reaches 642. Allstate falls slightly short.

Optional coverages include electronic data recovery for lost computer files. Green improvement reimbursement pays extra costs. Damaged items get replaced with energy-efficient alternatives. Below-average pricing combines with comprehensive optional coverages. Georgia homeowners get solid value.

Georgia home insurance through Allstate costs $2,112 yearly. The state average hits $2,258, so Allstate charges 6% less.

Several strategies cut your premium. Bundle home and auto policies together. Pay bills on time. Sign up for a policy at least seven days early. Maintain a claims-free record over multiple years. All these actions earn discounts.

J.D. Power gave Allstate 633 out of 1,000 points. The industry average reaches 642. Allstate falls just short. Homeowners report mixed experiences. Service quality depends heavily on the local agent handling their policy. Allstate has operated in Georgia for decades. Agents become easily accessible for people wanting in-person service.

Allstate sells standard homeowners protection. Optional add-ons cover specialized needs. Optional coverages you can buy:

• 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