Besthome insuranceGeorgiaThe Best Homeowners Insurance Companies in Georgia (2024)
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With each homeowner's needs in mind, MoneyGeek's scoring system evaluated the top home insurance providers in Georgia for various profiles. Scores were also calculated based on the insurer’s available coverage options and discounts.
The overall best home insurance company in Georgia is Country Financial, which also ranks first for service quality. For those on a budget, Farmers is the best option, while USAA ranks at the top for military families.
If you’re more concerned with savings than service quality, MoneyGeek also analyzed the cheapest home insurance companies in Georgia.
Besthome insuranceGeorgiaThe Best Homeowners Insurance in Georgia
Best overall - Country Financial
Best for service quality - Country Financial
Best on a budget - Farmers
Best for expensive homes - State Farm
Best for veterans - USAA
Best for bundling - State Farm
The Best Overall Homeowners Insurance Companies in Georgia
MoneyGeek examined 10 providers within Florida to determine the best home insurance options based on their customer satisfaction, claims ratings, financial stability and affordability.
Using these factors, the best overall home insurance companies in Georgia are:
- Country Financial: 88 out of 100
- State Farm: 83 out of 100
Not included in this analysis is USAA, which has a MoneyGeek score of 97 out of 100 in Georgia, making it the best overall home insurance provider in the state. However, USAA policies are only available for military members and their families, so we excluded it from our analysis.
For homeowners who want to understand Country Financial and State Farm’s high rankings, MoneyGeek broke down their unique coverages and discounts.
The Top Home Insurance Companies in Georgia
1
Country Financial
Score:88
Country Financial ranks highly for customer satisfaction and financial stability, making it the best overall home insurance provider in Georgia. On average, their premiums cost $2,501 per year, and homeowners can benefit from add-ons to their policies such as backup of sewer or drain coverage.
More About Country Financial
Policies from Country Financial can be supplemented with their various coverage options, such as backup of sewer or drain coverage, which can help you pay for water damage caused by a sump pump overflowing or a backed-up sewer or drain. The insurer also offers a scheduled personal property add-on that provides extra protection for your high-value items.
2
State Farm
Score:83
State Farm ranks as the second-best overall insurer in Georgia, and it has the highest financial stability score in the state. Their premiums average $2,664 per year, and homeowners can purchase various add-ons such as home systems protection and vacancy coverages.
More About State Farm
Aside from getting a great customer service experience, State Farm policyholders can benefit from their numerous coverage options. For instance, they offer vacancy coverage, which can pay for vandalism and glass breakage if your home has been vacant for at least 30 days. Furthermore, they offer home rental coverage, which covers the costs associated with renting out your home.
HOW WE DETERMINED THE BEST GEORGIA HOME INSURANCE
MoneyGeek compiled quotes from different insurance providers across the country and balanced them against their latest J.D. Power ratings and customer satisfaction scores. Using these figures, MoneyGeek determined the best home insurance nationally and in Georgia.
Note that costs for you may differ based on your unique circumstances. Read MoneyGeek’s methodology to get an idea of how we collected home insurance quotes.
The Best Homeowners Companies in Georgia for Service Quality
If the price of home insurance is not a primary concern for you, MoneyGeek also identified the best home insurance companies in Georgia based on their customer satisfaction and claims experience scores. Given these factors, the best options for homeowners in Georgia are:
- Country Financial: MoneyGeek score of 90 out of 100
- Auto-Owners: MoneyGeek score of 89 out of 100
Not included in this analysis is USAA, whose policies are only available for military families. However, USAA received a MoneyGeek score of 100 out of 100, making it the best home insurance in Georgia for active-duty military members, veterans and their families.
To better understand why Country Financial and Auto-Owners rank at the top in terms of service quality compared to other insurers, MoneyGeek evaluated their unique coverage options.
The Top Home Insurance Companies in Georgia for Quality Service
1
Country Financial
Score:90
Country Financial has high scores across the board, earning a 4.5 score for claims ratings, customer satisfaction and financial stability. This means that they offer a great customer service experience throughout your customer journey, from coverage options to making a claim.
More About Country Financial
The unique coverage options offered by Country Financial make it an excellent choice for homeowners. For instance, policyholders can add scheduled personal property coverage to their policies, which can increase the limits of high-value items such as jewelry and electronics. They also offer extended reimbursement coverage, which can include the cost of labor and construction materials — up to 125% of the coverage amount — and accounts for inflation.
2
Auto-Owners
Score:89
In terms of service, Auto-Owners is the second-best home insurance company in Georgia, scoring second in claims ratings and fourth in customer satisfaction. A good claims rating means they provide great customer service when you need to make a claim.
More About Auto-Owners
Auto-Owners offers a diverse range of coverage options, such as off-premises personal property, which covers any property you take with you if you go on vacation. In addition, the company offers an equipment breakdown add-on, providing coverage for equipment failures in your home due to electrical or mechanical malfunctions.
The Best Homeowners Companies in Georgia on a Budget
If you’re on a budget, MoneyGeek also identified the best-rated home insurance companies in Georgia in terms of affordability. After all, many insurers can balance customer satisfaction and low monthly costs.
Given these factors, the best and most affordable home insurance providers in Georgia are:
- Farmers: MoneyGeek score of 91 out of 100
- ASI: MoneyGeek score of 89 out of 100
Excluded from this analysis is USAA, which has a MoneyGeek score of 95 out of 100 in Georgia and an average yearly premium of $1,693. This is the best option in the state but is only available for military members and their families.
Farmers’ average home insurance premium for Georgia residents is $703 per year, while ASI offers policies at an average of $1,329 per year. MoneyGeek examined why Farmers scored the highest for those looking to save on monthly costs by breaking down the discounts they offer.
The Top Home Insurance Companies in Georgia on a Budget
pros
Coverage for your home at an affordable rate of $703 per year
Get discounts for being claims-free, installing protective devices or owning a new home
cons
No home renovation discount available
MoneyGeek satisfaction rating of 3.8 out of 5
COMPANY HIGHLIGHTS
Despite having a satisfaction rating of 3.8 out of 5, Farmers ranks first for affordability with their average premium of $703 per year. They also offer a range of discounts that policyholders can easily attain to reduce their premiums. For instance, homeowners can get discounts for having protective devices installed in their homes, being claims-free, owning a new home and bundling policies.
Farmers also has a range of unique discounts. If you go paperless or pay in full, you can benefit from a discount. Responsible payments and automatic payments are also rewarded with reduced premiums.
The Best Homeowners Companies in Georgia for Expensive Homes
For Georgia residents with expensive homes, MoneyGeek also examined the best home insurance for homes that are costly to rebuild and require extra coverage.
By weighing the cost of a home insurance policy with $2 million in coverage against customer satisfaction ratings, MoneyGeek found that the best home insurance companies in Georgia for expensive homes are:
- State Farm: MoneyGeek score of 85 out of 100
- Country Financial: MoneyGeek score of 82 out of 100
For military members and their families, USAA is the best home insurance provider in Georgia, earning a perfect MoneyGeek score for those with expensive homes. This makes it the best provider in the state for eligible individuals.
To see why State Farm ranks the highest for homeowners with expensive homes, MoneyGeek broke down their unique coverage options that suit high-value homeowners best.
The Top Home Insurance Companies in Georgia for High-Value Homes
pros
MoneyGeek satisfaction rating of 4.1 out of 5
cons
Does not offer extended reimbursement or contents replacement cost coverages
Ranks in the lower half in terms of affordability in Georgia for expensive homes
COMPANY HIGHLIGHTS
For owners of expensive homes, State Farm is the best home insurance provider in Georgia. They rank first in customer satisfaction and, despite ranking sixth in the state for affordability, still have a relatively high MoneyGeek score of 4.6 out of 5 in this area.
State Farm offers several coverage options that are beneficial for high-value homeowners, such as cyber event, ID theft and scheduled personal property coverages. With cyber event and ID theft coverage, homeowners will be covered for costs involved with fraud and be reimbursed for data recovery in case of a cyber attack. Scheduled personal property coverage increases the standard limits for high-value items, such as silver and goldware, firearms and business property.
The Best Homeowners Companies in Georgia for Veterans
Veterans and active-duty military members can often get discounts from various insurance providers, but the best home insurance company in Georgia specifically for military families is USAA. Their policies are only available for veterans, active-duty military members and their families, as they aim to provide a unique experience tailored to their needs.
In Georgia, USAA has a MoneyGeek score of 97 out of 100 and an average yearly premium of $1,693. This ranks even higher than Country Financial, but because it is only available for military families, it is generally excluded from MoneyGeek’s rankings.
The Top Home Insurance Companies in Georgia for Veterans
pros
Coverage tailored to veterans, active-duty military members and their families
MoneyGeek satisfaction rating of 5 out of 5
MoneyGeek affordability score of 4.6 out of 5
cons
Not available for those who are not in a military family
COMPANY HIGHLIGHTS
USAA scores highly in customer satisfaction, financial stability and affordability, making it the best home insurance company in Georgia for those with a military background.
Aside from offering affordable policies, USAA also has various coverages and discounts tailored for military families. For instance, policyholders can get home rental coverage, which can help pay for any covered event involved with being a landlord. USAA premiums can also be reduced by bundling policies and being claims-free.
Beyond additional coverage options, USAA also includes contents replacement cost coverage by default in all policies. This can pay for damaged personal belongings with no regard to depreciation.
The Best Homeowners Companies in Georgia for Bundling
Bundling insurance is one of the easiest ways to get a significant discount on your premiums, with auto and home insurance bundles being the most common choice. Beyond reducing your monthly expenses, bundling insurance also grants you the convenience of only having to manage your policies with one provider.
If you’re interested in getting two types of insurance policies at once, MoneyGeek examined the best home and auto insurance bundles in Georgia for homeowners who are also looking for the best car insurance in Georgia.
The top providers in Georgia for bundled insurance policies are:
- State Farm: MoneyGeek score of 84 out of 100
- Nationwide: MoneyGeek score of 79 out of 100
The Top Home Insurance Companies in Georgia for Bundling
pros
MoneyGeek home insurance score of 4.2 out of 5
Offers a 28% discount on home and auto insurance bundles
cons
MoneyGeek auto insurance score of 3.9 out of 5
COMPANY HIGHLIGHTS
State Farm’s home and auto insurance bundles rank first in Georgia thanks to its high discount offer of 28%. It also has a high overall MoneyGeek score in terms of home insurance policies.
State Farm policyholders can benefit from their wide range of unique home and auto insurance coverage options. For home insurance, one unique offer is service line coverage, which can pay for repairing or replacing damaged water piping, electrical service lines or data lines.
Auto insurance policyholders can also benefit from their coverage options. Rideshare insurance is an uncommon coverage that State Farm offers. This ensures that the medical, emergency roadside assistance and rental car reimbursement you have in your personal policy kick in even when you’re working for a ridesharing company.
How to Find the Best Home Insurance in Georgia
When shopping for the best home insurance, Georgia homeowners need to balance the insurers' rates, service reputation and financial stability. MoneyGeek has done the research for you, but if you’d like to follow up on our efforts, we have some guidance for this process as well.
To get started, use the step-by-step guide below.
1
Research Customer Service Reputations in Georgia
Researching a service provider's reputation in Georgia can be time-consuming, which is why MoneyGeek did the work for you. Should you wish to find companies that are not listed in our evaluation, look up their J.D. Power satisfaction score and NAIC complaint ratios in your state. To make this process easier, you can also use the Georgia Office of Commissioner of Insurance and Safety Fire website.
2
Compare Quotes for Yourself
MoneyGeek collected home insurance quotes in Georgia based on sample profiles. This means that the quote you get may be different from MoneyGeek’s average, as premiums are computed based on your unique situation. To get a good idea of how much insurance will cost based on your specific circumstances, compare quotes from at least three different insurance companies.
3
Make Sure the Company Has Coverages You Want in Georgia
Some coverages and discounts aren't available in every state, so be sure that your preferred provider offers the coverage you need in your area. Confirm with your desired provider that they have what you’re looking for.
4
Double-Check Financial Stability Ratings
Before choosing an insurer, check its financial rating. The strength of their financial rating indicates their ability to pay for a claim. Larger companies are more financially stable, whereas regional insurance companies are less likely to have strong ratings.
FAQs About the Best Home Insurance in Georgia
Finding the best home insurance provider in Georgia will depend on your needs. Take a look at the answers to some frequently asked questions to get a head start on your research.
Overall, Country Financial is Georgia's top home insurance company, ranking first for the best service quality. Farmers is the best option for individuals on a tight budget, while USAA is the best option for military families.
The cheapest home insurance provider in Georgia is Farmers. Their average yearly premium stands at $703, but note that their customer satisfaction rating is below 4 out of 5. However, if you are primarily looking at savings, Farmers is the best option for you.
Methodology
MoneyGeek scores for homeowners insurance in Georgia were calculated using a scaled and weighted average of J.D. Power Property Claims and Customer Satisfaction Scores, actual homeowners insurance quotes and financial stability ratings from AM Best. Our scoring system weighted J.D. Power scores 60%, affordability 30% and financial stability 10%, adjusting weightings in the sections focused specifically on affordability and service experience.
MoneyGeek analyzed homeowners insurance quotes from 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.
About Mark Fitzpatrick
