The Best Home Insurance in Georgia for 2025

Chubb, USAA and State Farm are the best home insurance companies in Georgia, according to our analysis.

To help you find the best home insurance in Georgia, we gathered and analyzed data from insurance companies across the state. These are the insurers that earned 4.6 stars or more.

Rates are based on a sample homeowner with no recent claims, $300,000 of dwelling coverage, $300,000 of liability coverage and a $1,000 deductible.

» MORE: The best home insurance companies

Here's more information about the best homeowners insurance companies in Georgia.

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.

Chubb caters to affluent homeowners, offering coverage other insurers often charge extra for. For example, the company offers extended replacement cost coverage for the structure of your home. This is useful in case it costs more than your dwelling limit to rebuild after a disaster. Chubb’s standard policies also cover water damage from backed-up sewers and drains.

Chubb policyholders with secondary or seasonal homes in Georgia are eligible for the company’s Property Manager service at no charge. With this service, a Chubb representative will check your home after a hurricane and report its condition to you. They can also help prevent further damage and submit a claim on your behalf.

» READ MORE: Chubb homeowners insurance review

Amica shines when it comes to customer service. It draws a very low rate of complaints compared to other insurers, according to the National Association of Insurance Commissioners. Amica also earned high marks in two recent J.D. Power surveys about home insurance and customer satisfaction.

The company stands out for its broad range of coverage options. For example, you can customize your policy with extra coverage above your dwelling limit. This could be useful in case your house costs more to rebuild than expected. You may also want to add coverage for identity theft or damage from backed-up drains.

» READ MORE: Amica homeowners insurance review

If you want to do business with companies that value sustainability, consider Cincinnati Insurance. In recent years, the insurer has reduced fossil fuel emissions from both its facilities and company vehicles. When you buy Cincinnati home insurance, you may be able to add a “green upgrade” endorsement. With this coverage, you can repair or rebuild your home with eco-friendly materials after a claim.

The company offers a variety of other options, including comprehensive coverage for high-value homes. You may be able to add coverage for things like identity theft, personal cyber attacks or certain types of water damage.

» READ MORE: Cincinnati homeowners insurance review

As America’s largest home insurer, State Farm stands out for its long list of coverage options. Its policies generally include extra dwelling coverage in case it costs more than expected to rebuild your home.

You may be able to add coverage for things like identity theft and water damage from backed-up drains. Another option may be to add an inflation guard rider to your policy. This automatically increases your policy limits to keep up with rising costs.

State Farm offers a free Ting smart plug to home insurance policyholders as a perk. This device monitors your home’s electrical network to help prevent fires.

» READ MORE: State Farm homeowners insurance review

Country Financial has multiple levels of homeowners coverage to help you choose the package that’s best for you. You also have the option 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. The company has drawn far fewer complaints than expected to state regulators.

» READ MORE: Country Financial homeowners insurance review

USAA sells homeowners insurance to active military members, veterans and their families. If that’s you, you may want to consider USAA.

USAA homeowners insurance has certain features that many insurers charge extra for. For example, USAA covers your personal belongings on a replacement cost basis. That means you’ll get enough money to buy brand-new replacements for damaged items. Many companies pay out only what your items are worth at the time of the claim.

USAA offers some perks that are specific to members of the military, like deductible-free coverage for military uniforms and equipment. USAA will also waive your deductible if your personal property is damaged or lost due to war.

» READ MORE: USAA homeowners insurance review

The average annual cost of home insurance in Georgia is $2,435. That’s 15% more than the national average of $2,110.

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 $4,275 per year for homeowners insurance, according to NerdWallet’s rate analysis. That’s 76% more than those with good credit.

» MORE: How your credit score affects homeowners insurance

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 $2,620 a year, while homeowners in Athens pay $2,170 a year, on average.

Here are the insurers we found with average annual rates below the Georgia average of $2,435.

» MORE: The cheapest homeowners insurance

Here are a few things to keep in mind when shopping for home insurance in Georgia.

Thunderstorms

Thunderstorms bring heavy rain that can cause flooding even 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 flood risk, start by looking up your address on the Federal Emergency Management Agency's flood maps. However, FEMA’s maps don’t always capture all types of flood risk. You may want to check another source, like First Street, a private company that models climate hazards. Enter your address at the top of the page to see your home’s flood risk rating on a scale of 1 to 10.

Georgia’s thunderstorms can also bring hail, but most homeowners insurance policies will cover that type of damage.

» MORE: How to choose the best flood insurance

Hurricanes

Georgia home insurance policies often come with a hurricane or windstorm deductible that you must cover before insurance pays hurricane-related claims. This deductible may be higher than the one that applies to other types of 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.

» MORE: Does homeowners insurance cover tornado damage?

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

Got a question or complaint about your insurance? The consumer services division of the Office of Commissioner of Insurance and Safety Fire may be able to help. You can use its website to file complaints, look up agents and learn about home insurance in Georgia. Assistance is available by calling 404-656-2070.

How we rate homeowners insurance

NerdWallet’s star ratings reward companies for consumer-first features and practices. We evaluate factors such as consumer experience, coverage, discounts and financial strength.

In our research, we analyzed:

View our complete homeowners insurance rating methodology.