The best homeowners insurance in Georgia covers the costs of rebuilding your house and replacing your personal belongings if an unexpected event damages your home. It also protects you from liability claims and prevents you from losing all of your assets in a lawsuit.
To help you find the best home insurance provider in GA, the This Old House Reviews Team created this guide with the top-rated companies in the state and tips to help you secure the right policy.
Keep reading to learn how to find the best homeowners insurance in The Peach State.
Best Homeowners Insurance Companies in Georgia
When we ranked Georgia home insurance companies by coverage, endorsements, discounts, cost, and customer service we found these three topped the list:
Lemonade offers the best home insurance protection for valuable items. While the company caps personal property coverage at about 79% of dwelling coverage, you can customize endorsement coverage for jewelry, fine art, cameras, and musical instruments.
In addition to providing extensive coverage, Lemonade offers the following benefits:
- Giveback program that donates your unused premium money to the charity of your choice
- Unique endorsements for a swimming pool and significant other
- Customizable personal property and loss of use coverage
To get a Lemonade home insurance quote, visit the company's website.
Learn More: Lemonade Home Insurance Review
Travelers’ home insurance policies are some of the most affordable in the industry. Their rates stay cheap because of five discounts:
- Bundling home and auto insurance
- Being a new home buyer
- Being claims-free
- Having home safety devices
- Having a “green home”
Customers will receive these benefits with a Travelers insurance policy:
- A company with over 165 years of industry experience
- Up to $10,000 of medical payments coverage per person
- Up to $1 million of liability protection
Learn More: Travelers Home Insurance Review
Farmers allows you to customize your dwelling coverage. While most companies estimate your rebuilding cost and give you dwelling coverage exactly for that amount, Farmers allows you to choose 80%, 85%, 90%, 95%, or 100% of the rebuilding cost to use for dwelling protection.
You can also customize your personal property, other structures, and loss of use amounts.
Take a look at Farmers’ other benefits:
- Claims center open 24/7
- Up to $2 million in liability coverage
- Unique eco-rebuild endorsement that will use eco-friendly materials to rebuild your home
Learn More: Farmers Home Insurance Review
Georgia Home Insurance Coverage
A homeowners insurance policy in GA will typically include these areas of coverage:
- Dwelling Coverage—This part of the policy will pay to rebuild your home with the same cabinetry, systems, walls, and any other built-in elements. To receive enough dwelling coverage to cover the entire cost of rebuilding your home, get a rebuilding estimate from an insurance company or a local appraiser.
- Other Structures Coverage—This protects the elements that aren’t built into your home, like fences and sheds. Other structures coverage is usually 10% of dwelling coverage.
- Personal Property Coverage—This part of your policy replaces your items if they’re damaged by a covered event like fire or falling objects. You can get a policy that determines how much replacement money to give you based on your items’ current depreciated value or based on their new value. Most policies cover at least 50% of dwelling coverage.
- Loss of Use Coverage—With loss of use coverage, if repairs to your home are so extensive that you can’t live there, your policy will pay for you to stay in a hotel or temporary rental . You usually get 20% of dwelling coverage for this type of coverage.
- Liability Coverage—If you injure someone or damage their property, your policy will cover the costs. It will also pay for legal fees if you’re sued, so consider buying enough coverage to protect all of your assets that could be at stake in a lawsuit. Most homeowners purchase at least $300,000 of liability protection.
- Medical Payments to Others Coverage—If a guest is injured in your home, your provider will pay for their medical bills. A standard amount of this type of protection is $1,000 per person.
Average Cost of Home Insurance in Georgia
On average, a Georgia home insurance policy cost around $109.42 per month in 2018, according to the Insurance Information Institute. At the time, Georgia was the 17th-most expensive state for homeowners insurance compared to the national average.
Factors to Consider Before Buying Homeowners Insurance in GA
Before buying a Georgia home insurance policy, consider the following factors:
- Square footage of your home—The size of your home will impact the rebuilding cost, which will affect how much dwelling, other structures, personal property, and loss of use coverage you receive. A larger home will cost more to rebuild because of the need for more materials, so expect a higher insurance rate if your home is more than 2,000 to 2,5000 square feet.
- Pets—If you have a dog breed that’s historically been considered aggressive, like a German Shepherd or American Pit Bull Terrier, or a dog with a history of biting people, your premium may cost more. Consider getting a policy from a company like State Farm that looks at each dog individually instead of the breed as a whole.
- Customer service—You can narrow down your insurance company options by looking at the customer service options they offer. If you prefer to talk to someone, find a company that has 24/7 customer service, online chat, or a 24/7 claims center. If you prefer handling your policy yourself, look into a company with a mobile app.
- Independent agency—If you’re not sure which insurance company is right for you, consider talking to an independent agent. These agents work independently of insurance companies and have intimate knowledge of the insurance industry.
Compare Homeowners Insurance Coverage Options in GA
|Other structures coverage limits||N/A||1%, 5%, 10%, 25%, 50%, 75%, or 100% of dwelling||5%–200% of dwelling|
|Personal property coverage limits||40%–79% of dwelling||20%, 30%, 50%, 75%, or 100% of dwelling||40%–200% of dwelling|
|Liability coverage limits||$100,000, $200,000, $300,000, $400,000, or $500,000||$100,000, $300,000, $500,000, or $1 million||$100,000, $300,000, $500,000, $1 million, or $2 million|
|Unique add-ons||Significant other, swimming pool liability||Equipment breakdown, roofing, siding matching package||Building ordinance or law, marring to metal roof materials|
|Customer service||Online||24/7 for claims; limited for sales and service||24/7 for claims; limited for sales and service|
*Based on sample quotes our team received
Homeowners Insurance in Georgia FAQs
What should I do if my home insurance claim is denied in Georgia?
Here are a few steps to take if your claim is denied:
- Check your policy—Review your policy and make sure that the loss you filed a claim for is covered under your policy.
- Document your loss—Start gathering evidence on your loss to use in further claim disputes.
- Request an independent appraisal—Most insurance policies have a clause that allows you to get a second opinion from an independent appraiser.
- File an appeal—You can file an appeal directly with your insurance company and ask them to review the claim again.
- File a complaint—If your insurance company still denies your claim, you can file a complaint with Georgia’s insurance board.
- Contact an attorney—A final option is to contact an attorney to see what legal recourse you can take.
What endorsements can I add to my Georgia home insurance policy?
Endorsements vary by company, but here a few that are offered by most insurance providers:
- Valuable personal property
- Identity theft expense
- Earthquake coverage
- Water backup
- Personal property replacement cost
Will a new roof lower my Georgia homeowners insurance?
Yes. With a new roof, you’re less likely to file a claim that your insurance company will have to pay for, resulting in a lower insurance premium.
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