Best Homeowners Insurance in Georgia (2024)


Chubb is Georgia's leading home insurance provider, offering budget-friendly rates and comprehensive coverage. Auto-Owners Insurance is the best provider for insuring new homes. We used a $100,000 dwelling coverage limit in our comparisons, but your premium may vary with a different coverage amount.

MoneyGeek also evaluated the cheapest home insurance in Georgia for those prioritizing cost over service quality.

MoneyGeek Logo IconBest HomeInsuranceGeorgia
2024

Why Trust MoneyGeek? We analyzed data from Georgia's Office of the Insurance and Safety Fire Commissioner and Quadrant Information Services to identify the best homeowners insurance options in the state.

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Home insurance rates in Georgia represent the latest quotes as of July 2024.

1,900,800Quotes Analyzed
 
8Companies Compared
 
20ZIP Codes

Overall Best Homeowners Insurance in Georgia

Chubb provides the best home insurance in Georgia.

  • Chubb: MoneyGeek score of 99 out of 100 ($830 per year)
  • Auto-Owners Insurance: MoneyGeek score of 81 out of 100 ($1,052 per year)

Homeowners have many insurance options, each varying in cost and customer service. It's crucial to balance affordability and quality to find the best policy for your needs.

Company logo for Chubb
Best OverallChubb
MoneyGeek Score:
99/ of 100

Overview

Chubb excels with a nearly perfect MoneyGeek score, achieving top ratings in affordability (55 out of 55) and customer satisfaction (30 out of 30). Its average annual premium is $830.

It offers two unique coverages: the cash settlement option, which provides a cash payout for a total loss, and the risk consulting service, which helps reduce risks to prevent potential claims and enhance home safety.

Best Homeowners Insurance in Georgia for Customer Service

Chubb is the top insurer for homeowners who value excellent customer support. For those prioritizing reliable service, consider these top-rated providers:

  • Chubb: MoneyGeek score of 96 out of 100 ($830 per year)
  • Auto-Owners Insurance: MoneyGeek score of 92 out of 100 ($973 per year)

Valuing service quality in a home insurance provider means choosing one with responsive customer support, smooth claim processing and customizable coverage. Prompt and supportive responses are crucial during stressful times, such as severe weather damage.

Company logo for Chubb
Best for ServiceChubb
MoneyGeek Score:
96/ of 100

Overview

Chubb stands out for its top-notch service quality, with a perfect customer satisfaction score of 65 out of 65.

It offers unique add-ons like guaranteed replacement cost, which covers full home restoration beyond policy limits, and cash settlement, which provides a cash option instead of repairs for total losses.

Best Cheap Homeowners Insurance in Georgia

Chubb is the best option for the cheapest homeowners insurance in Georgia, offering a balance of low premiums and superior service.

  • Chubb: MoneyGeek score of 99 out of 100 ($830 per year)
  • Travelers: MoneyGeek score of 83 out of 100 ($907 per year)

When choosing a provider, balance service quality with the average cost of home insurance in Georgia. Prioritize responsive support and reliable claims processing to avoid sacrificing service for lower rates, especially during stressful events like storm damage.

Company logo for Chubb
Best CheapChubb
MoneyGeek Score:
99/ of 100

Overview

Chubb stands out for homeowners on a budget, with an impressive affordability score of 75 out of 75 and an average annual premium of $830.

Chubb offers discounts for combining policies and installing home safety devices. It also provides extensive coverage, including guaranteed replacement cost for full rebuilding without depreciation deduction, and building ordinance or law coverage for compliance with current codes.

Best Homeowners Insurance in Georgia for Expensive Homes

Auto-Owners Insurance is the best choice for those with expensive homes in Georgia. Below are the top insurers for homeowners requiring $1 million dwelling coverage:

  • Auto-Owners Insurance: MoneyGeek score of 96 out of 100 ($5,002 per year)
  • Chubb: MoneyGeek score of 90 out of 100 ($6,252 per year)

High-value homes often need more coverage, which can raise the price, so find a company that offers excellent value.

Company logo for Auto-Owners Insurance
Best for Expensive HomesAuto-Owners Insurance
MoneyGeek Score:
96/ of 100

Overview

Auto-Owners Insurance is the top choice for expensive homes in Georgia, with a perfect affordability score of 55 out of 55 and an average annual premium of $5,409.

Its protective device discount provides savings for theft or fire prevention system installation. Auto-Owners also offers guaranteed replacement cost coverage that pays for replacement costs at current market rates without deducting for depreciation. Its equipment breakdown add-on covers mechanical or electrical breakdowns of home systems and appliances.

Best Homeowners Insurance in Georgia for New Homes

Auto-Owners Insurance is the top choice for new homes in Georgia.

  • Auto-Owners Insurance: MoneyGeek score of 96 out of 100 ($1,598 per year)
  • Chubb: MoneyGeek score of 68 out of 100 ($2,523 per year)

With perfect affordability and coverage scores, Auto-Owners Insurance offers an excellent balance of cost and quality.

Company logo for Auto-Owners Insurance
Best for New HomesAuto-Owners Insurance
MoneyGeek Score:
96/ of 100

Overview

Auto-Owners Insurance is the best choice for new homes in Georgia, with a perfect affordability score of 55 out of 55 and an average annual premium of $1,598.

Auto-Owners offers paperless billing and responsible payment discounts that help lower premiums. Its guaranteed replacement cost coverage provides full repair or rebuilding costs without deducting for depreciation.

Best Homeowners Insurance in Georgia for Veterans

Chubb is the top veteran homeowners insurance provider in Georgia.

  • Chubb: MoneyGeek score of 88 out of 100 ($830 per year)
  • Auto-Owners Insurance: MoneyGeek score of 78 out of 100 ($973 per year)

The best home insurance company for military families understands the unique needs of frequent moves and deployments, ensuring protection for homes and belongings in every situation.

Company logo for Chubb
Best for VeteransChubb
MoneyGeek Score:
88/ of 100

Overview

Chubb is the top home insurance provider for veterans in Georgia, scoring 55 out of 55 for affordability and 19 out of 30 for customer satisfaction. Its average annual premium is $830.

Its guaranteed replacement cost add-on covers full rebuilding costs without policy limits. Chubb also provides rare discounts for owners of newly built or recently updated homes.

How to Find the Best Homeowners Insurance in Georgia for You

The best homeowners insurance companies balance strong coverage and excellent customer service with affordable premiums. To find the right policy for you, follow these steps:

1
Assess Your Insurance Needs

Determine how much home insurance coverage you need by evaluating your risks and property value. This helps in selecting adequate coverage.

2
Research Various Providers

Look into reputable insurers, focusing on their track records, customer service, response times and financial stability.

3
Compare Coverage and Costs

Compare home insurance quotes and policy details from different insurers to find a balance between comprehensive coverage and affordability.

4
Understand the Policy Details

Review policies carefully to understand the coverage limits, deductibles, exclusions and the claims process that affect coverages and out-of-pocket costs.

5
Consult With an Independent Agent

An unbiased insurance agent can clarify policy details, provide personalized advice and help you navigate the insurance market.

FAQ: Homeowners Insurance in Georgia

Choosing the best homeowners insurance provider depends on your needs and budget. Here are answers to common questions about home insurance in Georgia to guide you.

Which company is best for home insurance in Georgia?
Who has the most affordable homeowners insurance in Georgia?

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.