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The Best Home Insurance in Georgia for 2024
Auto-Owners, Openly and Nationwide are among the best home insurance companies in Georgia.
Many, or all, of the products featured on this page are from our advertising partners who compensate us when you take certain actions on our website or click to take an action on their website. 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.
Ben Moore Assistant Assigning Editor | Auto insurance
Ben Moore is an assistant assigning editor and spokesperson who joined NerdWallet as a writer in 2020. An auto insurance authority, his past work has been featured in The Associated Press, The Chicago Sun-Times, MarketWatch, Nasdaq and Yahoo News. Ben has been quoted in Martha Stewart and Real Simple magazine, and he has appeared on local broadcast television. He is based in Nashville, Tennessee.
Caitlin Constantine Assistant Assigning Editor | Home insurance, renters insurance, pet insurance
Caitlin Constantine is an assigning editor at NerdWallet, focusing on homeowners, renters and pet insurance. She has more than 15 years of experience in digital media, including as the deputy managing editor at The Penny Hoarder and as a digital producer for a 24/7 news station based in the Tampa Bay area. Caitlin enjoys exploring the ways technology can help people become better informed about the world. She currently lives outside Asheville, North Carolina.
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.
Why you can trust NerdWallet
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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Answer a few questions to see custom quotes and find the right policy for you.
Coverage optionsRatings are based on the number of coverage options a company offers in comparison to other insurers.
About average
DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.
Great set of discounts
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Far fewer than expected
Pros
Large number of discounts.
Has optional specialty coverage not offered by many other insurers.
Very few consumer complaints.
Cons
No online quotes or claims submission.
Provides more specialty coverages and discount options than many other insurers.
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.
Auto-Owners offers plenty of ways to customize your policy and save money on home insurance.
Coverage optionsRatings are based on the number of coverage options a company offers in comparison to other insurers.
About average
DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.
Great set of discounts
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Far fewer than expected
Pros
Large number of discounts.
Has optional specialty coverage not offered by many other insurers.
Very few consumer complaints.
Cons
No online quotes or claims submission.
Provides more specialty coverages and discount options than many other insurers.
At $1,470 per year, Auto-Owners offered the least expensive Georgia home insurance in our analysis.
Based in Michigan, Auto-Owners has been in business for more than a century. Its homeowners policies include all the basics, but you can also add coverage for things like identity theft or the failure of major appliances. Guaranteed replacement cost coverage is another optional add-on, enabling you to rebuild your home after a total loss even if your dwelling coverage limit is too low.
Auto-Owners sells homeowners insurance through independent agents.
Coverage optionsRatings are based on the number of coverage options a company offers in comparison to other insurers.
More than average
DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.
Average set of discounts
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Far fewer than expected
Pros
Policies typically include guaranteed replacement cost coverage for your home's structure.
Broad coverage for personal belongings.
No restricted dog breeds.
Cons
No online quotes.
Will pay the full cost to rebuild your home after a covered disaster, up to $5 million.
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.
Premium coverage for high-end homes with no dog breed restrictions.
Coverage optionsRatings are based on the number of coverage options a company offers in comparison to other insurers.
More than average
DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.
Average set of discounts
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Far fewer than expected
Pros
Policies typically include guaranteed replacement cost coverage for your home's structure.
Broad coverage for personal belongings.
No restricted dog breeds.
Cons
No online quotes.
Will pay the full cost to rebuild your home after a covered disaster, up to $5 million.
Boston-based Openly offers homeowners insurance with generous coverage. Its policies include guaranteed replacement cost coverage for the structure of your home, which means the company will pay whatever it takes to rebuild your home if it’s destroyed.
Unlike many other insurers, Openly doesn’t have dog breed restrictions that could affect your ability to get liability coverage. It may also be a good bet for homeowners with collections of jewelry or other valuables, with up to $100,000 of blanket coverage available for these items.
Coverage optionsRatings are based on the number of coverage options a company offers in comparison to other insurers.
About average
DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.
Great set of discounts
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Far fewer than expected
Pros
Variety of coverage options.
Discounts available for qualifying smart-home devices.
Far fewer consumer complaints than expected for a company of its size.
Cons
May restrict liability coverage for certain dog breeds.
Few consumer complaints, various coverage options and discounts for smart-home devices.
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.
Customizable coverage for homeowners in select states.
Coverage optionsRatings are based on the number of coverage options a company offers in comparison to other insurers.
About average
DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.
Great set of discounts
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Far fewer than expected
Pros
Variety of coverage options.
Discounts available for qualifying smart-home devices.
Far fewer consumer complaints than expected for a company of its size.
Cons
May restrict liability coverage for certain dog breeds.
Few consumer complaints, various coverage options and discounts for smart-home devices.
Founded in Madison, Wisconsin, American Family receives fewer consumer complaints than expected for a company of its size. Its user-friendly website offers features such as bill payments, claim reporting, online quotes and general insurance information.
Homeowners may be able to save on their premiums by installing smart-home devices, bundling multiple policies or setting up automatic payments.
Coverage optionsRatings are based on the number of coverage options a company offers in comparison to other insurers.
About average
DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.
Great set of discounts
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Fewer than expected
Pros
Offers some coverage standard that other companies charge extra for.
Many discounts available.
Website offers lots of useful features and information.
Cons
Doesn't insure mobile or manufactured homes.
Many useful coverage choices and ways to save on your policy.
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.
For shoppers seeking a broad range of coverage options, Nationwide may fit the bill.
Coverage optionsRatings are based on the number of coverage options a company offers in comparison to other insurers.
About average
DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.
Great set of discounts
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Fewer than expected
Pros
Offers some coverage standard that other companies charge extra for.
Many discounts available.
Website offers lots of useful features and information.
Cons
Doesn't insure mobile or manufactured homes.
Many useful coverage choices and ways to save on your policy.
The Nationwide website offers plenty of ways to manage your policy, including filing and tracking claims, paying bills and getting quotes. The company also has a comprehensive and highly rated mobile app.
Nationwide’s standard homeowners policies 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 may be able to add coverage for things like water backup, identity theft and stronger materials to replace your roof.
Full list of the best homeowners insurance in Georgia
NerdWallet analyzed home insurance companies across the state to find the best home insurance in Georgia. Here are all of the insurers that received a NerdWallet star rating of 4.5 or higher:
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates discounts, coverage options, website transparency, financial strength, complaint data and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates discounts, coverage options, website transparency, financial strength, complaint data and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates discounts, coverage options, website transparency, financial strength, complaint data and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates discounts, coverage options, website transparency, financial strength, complaint data and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates discounts, coverage options, website transparency, financial strength, complaint data and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates discounts, coverage options, website transparency, financial strength, complaint data and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates discounts, coverage options, website transparency, financial strength, complaint data and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates discounts, coverage options, website transparency, financial strength, complaint data and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates discounts, coverage options, website transparency, financial strength, complaint data and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates discounts, coverage options, website transparency, financial strength, complaint data and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates discounts, coverage options, website transparency, financial strength, complaint data and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates discounts, coverage options, website transparency, financial strength, complaint data and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates discounts, coverage options, website transparency, financial strength, complaint data and more.
$2,410
*USAA homeowners policies are available only to active military, veterans and their families.
How much does homeowners insurance cost in Georgia?
The average annual cost of home insurance in Georgia is $2,345. That’s 22% more than the national average of $1,915.
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 $4,340 per year for homeowners insurance, according to NerdWallet’s rate analysis. That’s 85% 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 $2,470 a year, while homeowners in Athens pay $2,005 a year, on average.
City
Average annual rate
Average monthly rate
Acworth
$2,110
$176
Alpharetta
$1,995
$166
Athens
$2,005
$167
Atlanta
$2,470
$206
Augusta
$2,295
$191
Buford
$1,955
$163
Canton
$2,075
$173
Columbus
$2,655
$221
Covington
$2,170
$181
Cumming
$2,050
$171
Decatur
$2,260
$188
Douglasville
$2,190
$183
Duluth
$1,990
$166
Gainesville
$2,170
$181
Kennesaw
$2,100
$175
Lawrenceville
$2,030
$169
Lithonia
$2,505
$209
Macon
$2,410
$201
Marietta
$2,205
$184
Mcdonough
$2,065
$172
Roswell
$1,955
$163
Savannah
$2,710
$226
Stone Mountain
$2,405
$200
Valdosta
$2,270
$189
Woodstock
$2,110
$176
The cheapest home insurance in Georgia
Here are the insurers we found with average annual rates below the Georgia average of $2,345.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates discounts, coverage options, website transparency, financial strength, complaint data and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates discounts, coverage options, website transparency, financial strength, complaint data and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates discounts, coverage options, website transparency, financial strength, complaint data and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates discounts, coverage options, website transparency, financial strength, complaint data and more.
Here are a few things you'll want to keep in mind when evaluating your options for home insurance in Georgia.
Thunderstorms
Thunderstorms bring heavy rain that 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.
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.
For more information on how insurance works in a hurricane, read our guide to hurricane insurance.
Tornadoes
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 Underwriting Association. It covers homes the private insurance market won’t.
Get home insurance quotes in minutes
Answer a few questions to see custom quotes and find the right policy for you.
Georgia Office of Insurance and Safety Fire Commissioner
If you want to file a customer complaint against your home insurance company, look up an agent 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 and includes information about what home insurance typically covers in Georgia. Assistance is available by calling 404-656-2070.
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?
How much is homeowners insurance per month in Georgia?
Georgia home insurance costs an average of $195 per month, or $2,345 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.
Why is home insurance so expensive in Georgia?
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.
Is homeowners insurance required in Georgia?
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
How much is homeowners insurance per month in Georgia?
Georgia home insurance costs an average of $195 per month, or $2,345 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.
Why is home insurance so expensive in Georgia?
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.
Methodology
NerdWallet calculated median 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 2020-2022. 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.
