The Best Home Insurance in Georgia for 2023

Farmers is one of the best companies in Georgia, with a strong rating and an average rate of $1,580 per year.
Ben Moore
By Ben Moore 
Updated
Edited by Caitlin Constantine

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Homeowners in Georgia can expect to pay a bit more than the national average for their home insurance. The average cost of homeowners insurance in Georgia is $2,080 per year, which is about 14% more than the national annual average of $1,820.

To determine the best and cheapest homeowners insurance in Georgia, NerdWallet analyzed policy rates from several different insurers across the state. These rates are estimates and depend on several factors, so yours may be different.

Note: Some insurance companies included in this article may have made changes in their underwriting practices and no longer issue new policies in your state.

Our writers and editors follow strict editorial guidelines to ensure fairness and accuracy in our writing and data analyses. You can trust the prices we show you because our data analysts take rigorous measures to eliminate inaccuracies in pricing data and may update rates for accuracy as new information becomes available.

We include rates from every locale in the country where coverage is offered and data is available. When comparing rates for different coverage amounts and backgrounds, we change only one variable at a time, so you can easily see how each factor affects pricing.

Our sample homeowner had good credit, $300,000 of dwelling coverage, $300,000 of liability coverage and a $1,000 deductible.

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The best homeowners insurance in Georgia

If you’re looking to buy homeowners insurance from a well-rated national brand, consider one of these insurers from NerdWallet’s list of the Best Homeowners Insurance Companies.

Company

NerdWallet star rating

Average annual rate

5.0

NerdWallet rating 

$1,580

5.0

NerdWallet rating 

$1,685

5.0

NerdWallet rating 

$2,290

4.5

NerdWallet rating 

$1,865

4.5

NerdWallet rating 

$1,980

4.5

NerdWallet rating 

$2,200

4.5

NerdWallet rating 

$2,760

4.5

NerdWallet rating 

$2,980

5.0

NerdWallet rating 

$1,905

*USAA homeowners policies are available only to active military, veterans and their families.

More about the best home insurance companies in Georgia

See more details about each company to help you decide which one is best for you.

insurance-product-card-logo

Farmers

5.0

NerdWallet rating 
Those seeking benefits like diminishing deductibles and claims forgiveness may want to consider Farmers.

Coverage options

More than average

Discounts

Average set of discounts

NAIC complaints

Fewer than expected
insurance-product-card-logo

Farmers

5.0

NerdWallet rating 
Those seeking benefits like diminishing deductibles and claims forgiveness may want to consider Farmers.

Coverage options

More than average

Discounts

Average set of discounts

NAIC complaints

Fewer than expected

Farmers has strong customer satisfaction, with fewer complaints to state regulators nationwide than other insurers of its size. The company may offer additional features like identity theft coverage and guaranteed replacement cost, which will fully reimburse you for the cost to rebuild your home no matter your policy’s limits.

Georgia homeowners can save with Farmers’ discounts, which include those for not smoking, for bundling your policy with auto insurance, and for equipping your home with protective devices like fire alarms or a security system.


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State Farm

5.0

NerdWallet rating 
Well-established insurer with a lengthy list of coverage options.

Coverage options

More than average

Discounts

Average set of discounts

NAIC complaints

Fewer than expected
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State Farm

5.0

NerdWallet rating 
Well-established insurer with a lengthy list of coverage options.

Coverage options

More than average

Discounts

Average set of discounts

NAIC complaints

Fewer than expected

State Farm is a great choice for homeowners who like to work directly with a company representative, as the company sells policies through a wide network of agents. And its attention to customer service has paid off; the company has fewer customer complaints to state regulators than expected for a company of its size.

The company generally includes an increased dwelling limit add-on in its home insurance policies, as long as homeowners have insured their homes up to the estimated replacement cost. This means if your home costs more than expected to rebuild after a disaster, you’ll have a little extra coverage.


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Chubb

5.0

NerdWallet rating 
Perks and high coverage limits for affluent homeowners.

Coverage options

About average

Discounts

Great set of discounts

NAIC complaints

Far fewer than expected
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Chubb

5.0

NerdWallet rating 
Perks and high coverage limits for affluent homeowners.

Coverage options

About average

Discounts

Great set of discounts

NAIC complaints

Far fewer than expected

Chubb serves mostly affluent policyholders with high-value homes, offering lofty coverage limits and lots of perks. For example, the company covers water damage from backed-up sewers and drains, and pays to bring your home up to the latest building codes during reconstruction after a claim. (Many insurers charge more for these types of coverage.)

If you own a secondary or seasonal home in Georgia that you insure with Chubb, you can sign up for the Chubb Property Manager Service. With this free add-on to your policy, Chubb will send a representative to check your property after a hurricane, help you file a claim if necessary and protect the home from further damage.


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Cincinnati Insurance

4.5

NerdWallet rating 
Sells homeowners policies through local independent agents across the U.S.

Coverage options

More than average

Discounts

Average set of discounts

NAIC complaints

Far fewer than expected
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Cincinnati Insurance

4.5

NerdWallet rating 
Sells homeowners policies through local independent agents across the U.S.

Coverage options

More than average

Discounts

Average set of discounts

NAIC complaints

Far fewer than expected

Cincinnati Insurance sells homeowners policies through independent agents, with various options for standard and high-value homes. You may be able to add coverage for things like identity theft, personal cyber attacks or certain types of water damage.

Cincinnati may offer you a discount for bundling home and auto insurance, having a newer home, installing a centrally monitored alarm system or going a certain amount of time without filing a claim.


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Hanover

4.5

NerdWallet rating 
Best for homeowners looking for many ways to customize their policy.

Coverage options

More than average

Discounts

Average set of discounts

NAIC complaints

Far fewer than expected
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Hanover

4.5

NerdWallet rating 
Best for homeowners looking for many ways to customize their policy.

Coverage options

More than average

Discounts

Average set of discounts

NAIC complaints

Far fewer than expected

The Hanover gives homeowners lots of choices. You can opt for an auto/home package, a policy designed for high-value homes or a standalone policy for a standard house. You can further customize your policy with a range of coverage options for things like guaranteed replacement cost coverage, which will pay as much as it takes to rebuild your home after a disaster.

The Hanover sells policies exclusively through local independent agents. That means online quotes aren’t available, but you can get personal service to help you choose the right coverage.


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Travelers

4.5

NerdWallet rating 
Strong coverage and decent discounts.

Coverage options

About average

Discounts

Average set of discounts

NAIC complaints

Fewer than expected
insurance-product-card-logo

Travelers

4.5

NerdWallet rating 
Strong coverage and decent discounts.

Coverage options

About average

Discounts

Average set of discounts

NAIC complaints

Fewer than expected

Travelers offers a robust online experience. You can use the website to get a homeowners insurance quote, file and track claims, make payments and learn about insurance basics.

Its coverage offerings are similarly strong. For example, you may be able to add extra coverage in case the dwelling limit on your home isn’t enough to rebuild your house after a disaster. One unique option is Travelers’ green home coverage, which pays extra if you want to use eco-friendly materials when repairing or rebuilding your home after a covered claim.


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Country Financial

4.5

NerdWallet rating 
Best for those who prefer to have a personal conversation with an agent when choosing coverage.

Coverage options

More than average

Discounts

Great set of discounts

NAIC complaints

Far fewer than expected
insurance-product-card-logo

Country Financial

4.5

NerdWallet rating 
Best for those who prefer to have a personal conversation with an agent when choosing coverage.

Coverage options

More than average

Discounts

Great set of discounts

NAIC complaints

Far fewer than expected

Country Financial has three different levels of homeowners coverage, so you can choose the package that best fits your needs. You may want to add extra coverage for the structure of your home, in case inflation drives up the cost of rebuilding more than you expect.

Country Financial sells homeowners insurance through local representatives. That’s led to mostly happy customers, as the company has drawn far fewer complaints to state regulars than expected for a company of its size.


insurance-product-card-logo

Nationwide

4.5

NerdWallet rating 
For shoppers seeking a broad range of coverage options, Nationwide may fit the bill.

Coverage options

More than average

Discounts

Great set of discounts

NAIC complaints

Close to expected
insurance-product-card-logo

Nationwide

4.5

NerdWallet rating 
For shoppers seeking a broad range of coverage options, Nationwide may fit the bill.

Coverage options

More than average

Discounts

Great set of discounts

NAIC complaints

Close to expected

Nationwide’s standard homeowners policies generally include ordinance or law coverage, which pays to bring your home up to the latest building codes after a covered claim. They also include coverage for unauthorized credit or debit transactions. For an extra cost, you can add coverage for things like water backup, identity theft and stronger materials to replace your roof.

The Nationwide website offers plenty of ways to manage your policy, including filing and tracking claims, paying bills and getting quotes.


insurance-product-card-logo

USAA

5.0

NerdWallet rating 
Offers perks and affordable rates for the military community.

Coverage options

Below average

Discounts

Average set of discounts

NAIC complaints

Far fewer than expected
insurance-product-card-logo

USAA

5.0

NerdWallet rating 
Offers perks and affordable rates for the military community.

Coverage options

Below average

Discounts

Average set of discounts

NAIC complaints

Far fewer than expected

If you’re a military member, veteran or family member of someone in the military, USAA may be worth considering. Not only is the average annual rate less than the state average, but the company is one of NerdWallet's highest-rated home insurers. This is due in part to its strong customer satisfaction, with far fewer complaints to state regulators than other home insurance companies of similar size.

Policies come with identity theft coverage included. USAA also includes replacement cost coverage for personal belongings, which means the company won’t factor in the depreciated cost of your items when you file a claim, but will replace them with new items. If you rent out your home, you can add on home-sharing coverage to protect you and your guests. 


How much does homeowners insurance cost in Georgia?

The average annual cost of home insurance in Georgia is $2,080. That’s 14% more than the national average of $1,820.

In most U.S. states, including Georgia, many insurers use your credit-based insurance score to help set rates. Your insurance score is similar but not identical to your traditional credit score. 

In Georgia, those with poor credit pay an average of $4,010 per year for homeowners insurance, according to NerdWallet’s rate analysis. That’s 93% more than those with good credit.

Average cost of homeowners insurance in Georgia by city

How much you pay for home insurance in Georgia depends on your ZIP code. For example, the average cost of homeowners insurance in Atlanta is $2,145 a year, while homeowners in Athens pay $1,805 a year, on average.

City

Average annual rate

Average monthly rate

Acworth

$1,905

$159

Alpharetta

$1,805

$150

Athens

$1,805

$150

Atlanta

$2,145

$179

Augusta

$2,095

$175

Buford

$1,850

$154

Canton

$1,890

$158

Columbus

$2,185

$182

Covington

$1,985

$165

Cumming

$1,895

$158

Decatur

$2,105

$175

Douglasville

$1,975

$165

Duluth

$1,840

$153

Gainesville

$1,870

$156

Kennesaw

$1,865

$155

Lawrenceville

$1,890

$158

Lithonia

$2,255

$188

Macon

$2,075

$173

Marietta

$1,945

$162

McDonough

$2,000

$167

Roswell

$1,825

$152

Savannah

$2,065

$172

Stone Mountain

$2,070

$173

Valdosta

$2,030

$169

Woodstock

$1,895

$158

The cheapest home insurance in Georgia

Here are the insurers we found with average annual rates below the Georgia average of $2,080.

Company

NerdWallet star rating

Average annual rate

4.0

NerdWallet rating 

$1,200

Not rated

$1,360

5.0

NerdWallet rating 

$1,580

5.0

NerdWallet rating 

$1,685

4.0

NerdWallet rating 

$1,690

Alfa

Not rated

$1,730

Georgia Farm Bureau

2.5

NerdWallet rating 

$1,815

4.5

NerdWallet rating 

$1,865

4.5

NerdWallet rating 

$1,980

5.0

NerdWallet rating 

$1,905

*USAA homeowners policies are available only to active military, veterans and their families.

What to know about Georgia homeowners insurance

Here are a few things you'll want to keep in mind when evaluating your options for home insurance in Georgia.

Thunderstorms

Thunderstorms are the most common natural disaster in Georgia, and when they bring heavy rain, they can cause flooding even in locations away from the coast. Homeowners insurance typically doesn’t cover flood damage, so if you live in an at-risk area, you may want to buy separate flood insurance. You can get it from a private company or through the National Flood Insurance Program.

To check your home’s flood risk, search your address using The Federal Emergency Management Agency's flood maps or check RiskFactor.com, a tool from the nonprofit First Street Foundation.

Georgia’s thunderstorms can also bring hail, but most homeowners insurance policies will cover any resulting damage.

Hurricanes

Georgia is a coastal state, which means it’s prone to hurricanes. Georgia home insurance policies typically come with a hurricane or windstorm deductible that you must cover before insurance pays out for hurricane-related claims. Your policy will generally cover wind damage but not flooding from hurricanes.

Homeowners can minimize hurricane damage by keeping trees and shrubs trimmed, covering windows with hurricane shutters and securing valuable items in a waterproof container.

For more information on how insurance works in a hurricane, read our guide to hurricane insurance.

Tornadoes

All of Georgia is susceptible to tornadoes, especially during the spring. A standard homeowners insurance policy typically covers tornado damage. If your policy includes loss of use coverage, it will cover any expenses you might incur if tornado damage displaces you from your home. Bear in mind that if a tornado is caused by a hurricane or tropical storm, your hurricane deductible may apply.

Georgia FAIR Plan

If you find that you’re repeatedly being denied home insurance because of where you live, especially on the coast, look for policies from the Georgia Insurance Underwriting Association. It covers homes the private insurance market won’t.

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Georgia Office of Insurance and Safety Fire Commissioner

If you want to file a customer complaint against your home insurance company, or simply learn more about your rights, the consumer services division of the Office of Commissioner of Insurance and Safety Fire may be able to help. Its website allows homeowners to file complaints electronically. It also includes information about what home insurance typically covers in Georgia, plus guides on which coverage types to buy. Assistance is available by calling 404-656-2070.

Looking for more insurance in Georgia?

Frequently asked questions

No, homeowners insurance is not legally required in Georgia. But if you have a mortgage, your lender will probably require you to have it. Home insurance can still be a wise purchase even if you don’t have a mortgage since Georgia is prone to natural disasters like hurricanes and tornadoes. For more information, read Is Homeowners Insurance Required?

Georgia home insurance costs an average of $173 per month, or $2,080 per year, for homeowners with good credit, no recent claims, $300,000 in dwelling and liability coverage, and a $1,000 deductible. Your own rates will be different.

Home insurance prices vary by state due in part to each state’s unique climate conditions. Homes in Georgia are vulnerable to damage from hurricanes and tornadoes, which drives up the cost of insurance. More generally, homeowners insurance rates are rising across the country due to inflation, which increases rebuilding costs after a claim.

To save on your premium, ask your insurer if you qualify for any home insurance discounts.

Methodology

NerdWallet averaged rates for 40-year-old homeowners from various insurance companies in every ZIP code across the state. All rates are rounded to the nearest $5.

Sample homeowners were nonsmokers with good credit living in a single-family, two-story home built in 1984. They had a $1,000 deductible and the following coverage limits:

  • $300,000 in dwelling coverage.

  • $30,000 in other structures coverage.

  • $150,000 in personal property coverage.

  • $60,000 in loss of use coverage.

  • $300,000 in liability coverage.

  • $1,000 in medical payments coverage.

We made minor changes to the sample policy in cases where rates for the above coverage limits or deductibles weren’t available.

We changed the credit tier from “good” to “poor,” as reported to the insurer, to see rates for homeowners with poor credit.

These are sample rates generated through Quadrant Information Services. Your own rates will be different.

Star rating methodology

NerdWallet’s homeowners insurance ratings reward companies for customer-first features and practices. Ratings are based on weighted averages of scores in several categories, including financial strength, consumer complaints, coverages, discounts and online experience. These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best rate for you. NerdWallet does not receive compensation for any reviews. Read our full homeowners insurance rating methodology.

Complaint methodology

NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2019-2021. To assess how insurers compare with one another, the NAIC calculates a complaint index each year for each subsidiary, measuring its share of total complaints relative to its size, or share of total premiums in the industry. To evaluate a company’s complaint history, NerdWallet calculated a similar index for each insurer, weighted by market shares of each subsidiary, over the three-year period. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC. Ratios are determined separately for auto, home (including renters and condo) and life insurance.

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