The Best Homeowners Insurance in Georgia for 2021

Despite the state's potential for natural disasters, average rates in Georgia are right in line with the national average.
Doug SiborAug 24, 2021

Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.

Homeowners in Georgia can expect to pay right around the national average for their home insurance. A typical annual premium in the Peach State is $1,599, just slightly higher than the national average of $1,585.

NerdWallet analyzed rates from 11 different insurers in the state to determine the best homeowners insurance in Georgia. Keep in mind that these rates are estimates and depend on many different factors, so yours may vary.

Several of NerdWallet's offer policies in Georgia. Here they are, along with their average annual premiums:

You can customize your homeowners policy with numerous add-ons, but below are the types of coverage that generally come standard:

Learn more about .

Here's a little bit more about each company and the extras it offers.

Although Chubb is one of the most expensive insurers in the state, its standard policy includes coverage options for which others often charge extra. For example, homeowners who buy Chubb's Masterpiece policy can receive the full amount it costs to replace damaged or destroyed personal items rather than the items' depreciated value.

» MORE:

Country Financial offers three different levels of homeowners insurance, including its Premier level, which helps pay to repair damage caused by household accidents such as countertop burns or paint spills. The company also offers a sizable number of add-ons like coverage for earthquake damage and expenses associated with identity theft.

» MORE:

State Farm's standard "increased dwelling limit" coverage may appeal to homeowners because of the financial cushion it provides if you need to rebuild your home. As long as the home is insured for the amount State Farm estimates it will cost to replace it, the company provides up to an additional 20% of that amount should costs go up while rebuilding.

» MORE:

Travelers' standard policy doesn't come with some of the coverage options provided by other insurers. Travelers does, however, offer unique add-ons such as green home coverage that can help cover the cost of using sustainable materials to rebuild or repair your home.

» MORE:

If you're an active military member or veteran, or are a family member of one, USAA offers several benefits that normally cost extra from other insurers. Identity theft coverage and replacement cost for damaged or stolen personal items are just two of the benefits available to policyholders in most states.

» MORE:

NerdWallet looked at the rates from each insurer in all 777 ZIP codes in Georgia to find the lowest home insurance premiums in the state. We found a statewide average annual premium of $1,599, but your rate may vary depending on where you live. The difference between the cheapest and most expensive rates in Georgia was nearly $950 per year.

Here are the five cheapest homeowners insurance rates in Georgia:

And here's a look at all the available rates:

» MORE:

Here are a few things to keep in mind as you evaluate your options for home insurance in Georgia:

» MORE:

Methodology

NerdWallet averaged rates for 40-year-old men and women from a variety of insurance companies in every ZIP code across the state. Sample homeowners were nonsmokers with good credit living in a single-family, two-story home built in 1983. They had a $1,000 deductible and the following coverage limits:

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

On a similar note...
Dive even deeper in Insurance