Fact CheckedNerdy takeaways
Chubb is the top-rated insurer in Georgia, offering the best coverage for high-value homes.
Amica offers the best consumer experience.
State Farm is our best value pick, with an average annual rate of $2,885 as compared to the state average of $3,225.
Cincinnati Insurance draws the fewest consumer complaints.
USAA is our top choice for military families.
When looking for Georgia homeowners insurance, consider companies with strong coverage and customer service. To help you find the best home insurance in Georgia, we gathered and analyzed data from insurance companies across the state. Here are our top picks.
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. Even if an insurer serves your state, it may not write policies for all homes in all areas.
The best home insurance in Georgia
Best coverage for high-value homes
Chubb
- Far fewer consumer complaints than expected for a company of its size.
- Standard coverage includes features that many companies offer only as extras.
- Perks to help you protect your home.
- Most consumers can't get a quote online and will instead need to contact a local agent.
Why it’s worth a look: Affluent homeowners may want to consider Chubb for its generous coverage and white-glove service. Chubb policies include more than the standard coverage for your home and belongings. Plus, you can take advantage of the HomeScan service, which uses infrared technology to look for problems behind your walls.
Standout feature: If you own a second or seasonal home in Georgia, you can sign up for Chubb’s Property Manager service. The company will check your home after a hurricane and help you address any damage.
Average rates: Not available.
» READ MORE: Chubb homeowners insurance review
Best consumer experience
Amica
- High customer satisfaction ratings and low consumer complaints.
- Platinum Choice package offers extra coverage.
- Dividend policies can return a portion of your premiums.
- You can start a quote online but may have to finish the buying process by phone.
Why it’s worth a look: Amica stands out for customer service. The company regularly ranks near the top in J.D. Power’s home insurance satisfaction surveys. Its website offers plenty of self-service options, including online claims filing and tracking. But if you need help, you can reach out by phone, via live chat or even in person.
Standout feature: The Platinum Choice homeowners policy offers a package of useful coverage options. It includes extra coverage for your home and valuable belongings, plus up to $5,000 if someone commits fraud with your credit card.
Average rates: Not available.
» READ MORE: Amica homeowners insurance review
Best value
State Farm
- User-friendly website.
- Agents offer personalized service.
- Policies generally include extra coverage for your home’s structure.
- Below average for claim satisfaction in a recent J.D. Power study.
Why it’s worth a look: Of our top-rated companies in Georgia, State Farm offered some of the most affordable rates. You can save even more by bundling your homeowners policy with State Farm auto insurance. The company says its bundling customers can save more than $1,000 per year.
Standout feature: State Farm’s Georgia policyholders can get a free Ting smart device. It monitors your home’s electrical system to help prevent fires.
Average rates: Below are the average annual rates for a range of dwelling coverage limits.
Dwelling coverage amount | Average annual rate |
|---|---|
$200,000 | $1,980 |
$300,000 | $2,470 |
$400,000 | $2,885 |
$500,000 | $3,260 |
$600,000 | $3,720 |
» READ MORE: State Farm homeowners insurance review
Fewest complaints
Cincinnati Insurance
- Various coverage options.
- Far fewer complaints than expected for a company of its size.
- Coverage available for higher-value homes.
- No online quotes.
- Very little information on website.
Why it’s worth a look: Cincinnati Insurance draws one of the lowest rates of consumer complaints of all the companies we reviewed in Georgia. That suggests most of the company’s policyholders are happy with their coverage. The company sells policies through independent insurance agents.
Standout feature: 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.
Average rates: Below are the average annual rates for a range of dwelling coverage limits.
Dwelling coverage amount | Average annual rate |
|---|---|
$200,000 | $2,125 |
$300,000 | $2,970 |
$400,000 | $3,745 |
$500,000 | $4,420 |
$600,000 | $5,175 |
» READ MORE: Cincinnati homeowners insurance review
Best for military families
USAA
- Policies include standard coverage that often costs extra elsewhere.
- Fewer customer complaints to state regulators than expected for a company of its size.
- Perks for military homeowners.
- Available only to active military members, veterans, some federal employees and their families.
Why it’s worth a look: USAA was founded to serve the military community. Its policies include replacement cost coverage for your belongings, a more generous option than some companies offer.
Standout feature: If your military uniform or equipment is damaged, you won’t pay a deductible to repair or replace it.
Average rates: Below are the average annual rates for a range of dwelling coverage limits.
Dwelling coverage amount | Average annual rate |
|---|---|
$200,000 | $1,330 |
$300,000 | $1,765 |
$400,000 | $2,180 |
$500,000 | $2,560 |
$600,000 | $2,910 |
*USAA homeowners policies are available only to active military, veterans, some federal workers and their families. | |
» READ MORE: USAA homeowners insurance review
Other top home insurance companies in Georgia
These home insurance providers are also worth a look.
Company | NerdWallet star rating | Average annual rate |
|---|---|---|
$4,405 | ||
$3,990 | ||
Not available |
How much does homeowners insurance cost in Georgia?
The average cost of homeowners insurance in Georgia is $3,225 per year, or about $269 per month. That's 30% more expensive than the national average of $2,490 per year for the same amount of coverage.
These rates are based on a sample home insurance policy with $400,000 in dwelling coverage, $300,000 in liability coverage, a $1,000 deductible and no recent claims.
Did you know...
The dwelling coverage limit on your policy should be the amount it would take to rebuild your home, based on the cost of labor and construction in your area. It won't necessarily be the price you paid for the house or how much you could sell it for now. Use our calculator to estimate your home's rebuilding cost.
The median rebuilding cost for Georgia homes is $438,182, according to data from First Street, a climate risk modeling firm.
Below are the average rates for policies with various dwelling coverage limits.
Dwelling coverage amount | Average annual rate |
|---|---|
$200,000 | $1,900 |
$300,000 | $2,485 |
$400,000 | $3,225 |
$500,000 | $4,030 |
$600,000 | $4,970 |
The rates above are for homeowners with good credit. In Georgia, policyholders with poor credit pay an average of $5,175 per year — an increase of 60%.
Average cost of homeowners insurance in Georgia by city
The amount you pay will depend on where you live in the state. For example, the average cost of homeowners insurance in Atlanta is $3,420 per year, while Athens homeowners pay $2,875 per year, on average.
City | Average annual rate | Average monthly rate |
|---|---|---|
Albany | $2,905 | $242 |
Alpharetta | $2,855 | $238 |
Athens | $2,875 | $240 |
Atlanta | $3,420 | $285 |
Augusta | $3,270 | $273 |
Canton | $3,020 | $252 |
Columbus | $3,610 | $301 |
Douglasville | $2,865 | $239 |
Gainesville | $2,875 | $240 |
Hinesville | $3,785 | $315 |
Kennesaw | $2,850 | $238 |
Mableton | $2,855 | $238 |
Macon | $3,365 | $280 |
Marietta | $2,850 | $238 |
Newnan | $3,205 | $267 |
Peachtree City | $2,910 | $243 |
Peachtree Corners | $2,725 | $227 |
Rome | $3,330 | $278 |
Roswell | $2,760 | $230 |
Savannah | $3,785 | $315 |
Smyrna | $2,840 | $237 |
Tucker | $2,925 | $244 |
Valdosta | $3,165 | $264 |
Warner Robins | $3,145 | $262 |
Woodstock | $2,860 | $238 |
The cheapest home insurance in Georgia
Here are the insurers we found with the cheapest rates for a variety of dwelling coverage limits.
Company
NerdWallet star rating
Average annual rate
Alfa
Not rated
$1,505
Grange
Not rated
$1,545
$1,685
$1,690
$1,330
*USAA homeowners policies are available only to active military, veterans, some federal employees and their families.
Company
NerdWallet star rating
Average annual rate
$2,080
Alfa
Not rated
$2,135
$2,305
Grange
Not rated
$2,350
$1,765
*USAA homeowners policies are available only to active military, veterans, some federal employees and their families.
Company
NerdWallet star rating
Average annual rate
$2,520
Alfa
Not rated
$2,825
$2,885
$2,930
$2,180
*USAA homeowners policies are available only to active military, veterans, some federal employees and their families.
Company
NerdWallet star rating
Average annual rate
$2,955
$3,195
$3,260
Alfa
Not rated
$3,530
$2,560
*USAA homeowners policies are available only to active military, veterans, some federal employees and their families.
Company
NerdWallet star rating
Average annual rate
$3,340
$3,445
$3,720
Alfa
Not rated
$4,270
$2,910
*USAA homeowners policies are available only to active military, veterans, some federal employees and their families.
Cheap homeowners insurance in Georgia by claims history
Here are the cheapest home insurance companies in Georgia for homeowners who've filed a recent claim.
Company | NerdWallet star rating | Average annual rate |
|---|---|---|
$2,520 | ||
$2,930 | ||
$3,140 | ||
$3,280 | ||
$2,515 | ||
*USAA homeowners policies are available only to active military, veterans, some federal employees and their families. | ||
These rates are based on a sample homeowner with good credit, $400,000 of dwelling coverage, $300,000 of liability coverage and a $1,000 deductible.
Cheap homeowners insurance in Georgia by credit score
Here are the cheapest home insurance companies in Georgia for homeowners with poor credit. Read about how your credit scores impact home insurance rates.
Company | NerdWallet star rating | Average annual rate |
|---|---|---|
Grange | Not rated | $3,270 |
Georgia Farm Bureau | Not rated | $4,385 |
$4,415 | ||
Alfa | Not rated | $4,610 |
$4,880 |
These rates are based on a sample home insurance policy with $400,000 in dwelling coverage, $300,000 in liability coverage, a $1,000 deductible and no recent claims.
Common discounts
Make sure to ask your home insurance company about any discounts you may be eligible for. Here are some of the most common:
Many insurers offer savings if you buy more than one policy, such as home and car insurance. See our picks for the best home and auto insurance bundles.
Got a burglar alarm, smoke detectors or a smart device that alerts you if you have a leak? Safety and security features like these could earn you a discount.
Sign up for paperless billing or set your premiums to autopay, and you could get a discount.
Many insurance companies give discounts to customers who’ve gone a certain number of years without filing a home insurance claim.
Some insurers offer discounts to new policyholders or reward those who’ve stuck around for a while.
Teachers, doctors, members of the military and others may be eligible for discounts from certain insurers.
Learn more about common home insurance discounts.
Common Georgia home insurance problems
Below are a few issues you should be aware of as a Georgia homeowner.
Severe thunderstorms. Thunderstorms are the most common natural disaster in Georgia, according to the state’s Emergency Management and Homeland Security Agency. Most homeowners policies cover wind and hail damage from storms but won’t pay for flood damage. If you’re at risk, consider buying separate flood insurance.
To check your flood risk, start with the federal government’s flood maps. However, these maps don’t always capture all types of flood risk. You may want to check another source such as First Street, a company that models climate hazards. Enter your address at the top of the page to see your home’s flood risk rating.
Tropical storms and hurricanes. Georgia home insurance policies often come with a hurricane or windstorm deductible that you need to cover before your policy pays hurricane-related claims. This deductible may be higher than the one that applies to other types of damage. For more details, read our guide to hurricane insurance.
Tornadoes. The entire state is at risk for tornadoes, according to the National Weather Service. A standard homeowners insurance policy typically covers tornado damage. However, if a tornado is caused by a hurricane or tropical storm, your hurricane deductible may apply. Read more about tornadoes and home insurance.
Common optional coverage
A standard homeowners policy can sometimes fall short, so it's worth looking for ways to make it more comprehensive. For example, we recommend asking if your insurer offers extended or guaranteed replacement cost coverage for your home. These add-ons give you extra dwelling coverage in case it costs more than you expect to rebuild your home after a disaster. Having this coverage can be a useful hedge against inflation.
Here are a few additional types of coverage you may want to buy.
Floods are the most common weather disaster in the U.S. and can happen anywhere, not just coastal areas. You can buy flood insurance through the federal government or from private companies. Learn whether you need flood insurance.
Homeowners policies generally won’t cover damage if a drain backs up into your home or your sump pump fails. Adding water backup coverage can help with these issues.
Homeowners policies may cover your stuff on an actual cash value or replacement cost basis. With actual cash value, the policy will pay less for older items that have lost value over time. To get enough of a claim payout to buy brand-new items, opt for replacement cost coverage.
If you have expensive jewelry, fine art or other valuables, you may need extra insurance for them. Learn more about scheduled personal property coverage.
Service line coverage pays to fix damaged water, gas, sewer or other underground lines on your property.
If your HVAC system or another major appliance fails, equipment breakdown coverage can help pay for repairs.
Georgia Underwriting Association
If you’ve been denied home insurance because of where you live, look for policies from the Georgia Underwriting Association (GUA). The GUA ensures all Georgia homeowners have access to basic property and liability insurance. Qualified homeowners may be able to buy:
Up to $2 million in dwelling coverage.
Up to $100,000 in liability coverage.
To apply, you’ll need to work with a licensed agent. For more information, call the GUA at 770-923-7431.
Get home insurance quotes in minutes
Answer a few questions to see custom quotes and find the right policy for you.Georgia insurance department
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. Help is available by calling 800-656-2298.
How we review home insurance
Our editorial team considers these factors when rating homeowners insurance companies:
This part of our star rating is based largely on consumer complaints to state regulators, as reported by the National Association of Insurance Commissioners. When available, we also include each company’s performance in the most recent J.D. Power Home Insurance Study. Other factors in our consumer experience score include customer-friendly features such as online claims filing and quotes.
We use AM Best and Demotech ratings to confirm each insurer’s long-term financial stability and ability to pay claims.
Companies score higher if they offer many common endorsements and include more comprehensive coverage in their standard plans. In particular, we look at features such as extended coverage for the structure of your home and replacement cost coverage for personal belongings.
We evaluate how many of the most common home insurance discounts each company offers.
See our complete homeowners insurance rating methodology.
Frequently asked questions
Homeowners insurance isn't 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 smart buy 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?
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, home insurance rates have risen across the U.S. due to recent inflation.
NerdWallet writers are subject matter authorities who use primary, trustworthy sources to inform their work, including peer-reviewed studies, government websites, academic research and interviews with industry experts. All content is fact-checked for accuracy, timeliness and relevance. You can learn more about NerdWallet's high standards for journalism by reading our editorial guidelines.
- 1.Georgia Emergency Management and Homeland Security Agency. Georgia Disaster History. Accessed Feb 20, 2026.
- 2.National Weather Service. Georgia Severe Weather Preparedness: Tornado Safety. Accessed Feb 20, 2026.
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, coverage, discounts, claims process and website functionality. 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 or star ratings.
Here’s how we weighted each category to come up with our list of the best home insurance companies:
Consumer experience (40%).
Financial strength (30%).
Coverage (25%).
Discounts (5%).
Read our full home insurance ratings methodology for more details.
Homeowners insurance rates methodology
NerdWallet calculated median rates for 40-year-old homeowners from various insurance companies in ZIP codes across all 50 states and Washington, D.C. 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:
$400,000 in dwelling coverage.
$40,000 in other structures coverage.
$200,000 in personal property coverage.
$80,000 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.
In states where credit is a rating factor, we changed the credit tier from “good” to “poor,” as reported to the insurer, to see rates for homeowners with poor credit.
In select states, we added a single wind damage claim to see rates for homeowners with a claim on their record.
These are sample rates generated through Quadrant Information Services. Your own rates will be different.
Complaint methodology
NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2022-2024. 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.
Rebuilding cost methodology
The median home rebuilding cost referenced above is based on 2025 replacement cost data from First Street, a climate risk modeling firm. Actual replacement costs may vary based on factors like location, square footage, construction materials, the age of your home and local labor costs.
