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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.
Best homeowners insurance companies in Georgia
Several of NerdWallet's best home insurance companies of 2021 offer policies in Georgia. Here they are, along with their average annual premiums:
Average annual premium
*USAA is available only to active military, veterans and their families.
You can customize your homeowners policy with numerous add-ons, but below are the types of coverage that generally come standard:
Type of coverage
What it does
Pays to repair or rebuild the structure of your home.
Covers damage to unattached structures such as a shed or fence.
Pays to repair or replace personal belongings such as furniture or clothing.
Additional living expenses
Pays for hotel stays, restaurant meals or other expenses if you have to live elsewhere while your home undergoes covered repairs.
Covers legal expenses and damages if you're responsible for injuries to other people or their property.
Covers injuries to guests in your home, regardless of fault.
Learn more about homeowners insurance and what it covers.
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: Chubb home insurance review
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.
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: State Farm home insurance review
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: Travelers home insurance review
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: USAA home insurance review
Cheapest homeowners insurance rates in Georgia
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:
What to know about homeowners insurance in Georgia
Here are a few things to keep in mind as you evaluate your options for home insurance in Georgia:
You may be subject to a "hurricane deductible." Georgia has been hit by many major storms — including hurricanes — and if it happens again, homeowners may have to pay a hurricane deductible before their insurance will kick in. This deductible is a percentage of your home's insured value rather than a flat dollar amount. So, if your home is insured for $300,000 with a 5% deductible, you have to pay the first $15,000 of damage from a storm before your insurer will give you a cent.
You should also consider flood insurance. Flood damage isn't typically covered by homeowners insurance, so you'll likely need a separate flood insurance policy to be covered. That can be a good idea especially if you live on the coast or in an area prone to flooding, but your home might also be vulnerable to flooding without you knowing it. The Federal Emergency Management Agency's flood maps can help give you the flood risk at your specific address.
Tornadoes might be a threat. Georgia sees an average of about 30 tornadoes each year, with the peak season occurring in the spring. A standard homeowners insurance policy typically covers damage caused by a tornado, along with any additional living expenses you might have if you're temporarily displaced from home because of tornado damage. However, if the tornado is caused by a hurricane or tropical storm, your hurricane deductible may apply.
Your rate will vary depending on where you live. Annual premiums in Georgia tend to be a little more expensive in the southern part of the state, generally costing about $200 more per year. To see the average rate in your county, take a look at the county-by-county breakdown:
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:
$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.
These are sample rates generated through Quadrant Information Services. Your own rates will be different.