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 homeowners 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.
For free quotes from companies near you, call 855-948-5219 or enter your zip code in the tool below:
5 Best Homeowners Insurance Companies in Georgia
We ranked Georgia home insurance companies by coverage, endorsements, discounts, cost, and customer service we found these topped the list:
- Lemonade: Easiest Sign-Up
- State Farm: Best Endorsements
- Allstate: Best Coverage Options
- Travelers: Most Experience
- Farmers: Most Customizable Coverage
- Our Take: Easiest Sign-Up
- J.D. Power Rating: N/A
- A.M. Best Rating: N/A
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.
Benefits of Lemonade Homeowners Insurance
- 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
Get a Quote: Lemonade Homeowners Insurance Quote
Learn More: Lemonade Home Insurance Review
*A.M. Best ratings accurate as of August 2022
- Our Take: Best Endorsements
- J.D. Power Rating: 835/1000
- A.M. Best Rating: A++
State Farm is one of the best home and auto insurance companies offering over 10 endorsements to help customize your policy. The company offers common endorsements such as water backup, full replacement cost, and earthquake insurance.
Benefits of State Farm Homeowners Insurance
✔ Offers endorsements to customize your policy
✔ Features discounts for car insurance bundling
✔ Connects customers to local agents for policy management
Get a Quote: Call 1-360-262-2561 to get your quote from State Farm today!
Learn More: State Farm Homeowners Insurance Review
- Our Take: Best Coverage Options
- J.D. Power Rating: 829/1000
- A.M. Best Rating: A+
Allstate is one of the largest homeowners insurance companies in the country, offering both extensive, industry-standard coverage and a variety of significant add-on options, along with numerous discounts. Quotes are easy to obtain using their convenient online tools.
- Our Take: Most Experience
- J.D. Power Rating: 800/1000
- A.M. Best Rating: A++
Travelers is the oldest company in the home insurance industry, with more than 160 years of experience providing auto, home, and renters insurance products and services. 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”
- Our Take: Most Customizable Coverage
- J.D. Power Rating: 820/1000
- A.M. Best Rating: A
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.
Georgia Home Insurance Coverage
A homeowners insurance policy in Georgia 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 $1,362 per year or $113.50 per month in 2019, according to the Insurance Information Institute (III). At the time, Georgia was the 15th-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.
If you’re looking for homeowners insurance in Georgia, consider Lemonade, Travelers, Allstate, State Farm, and Farmers. To customize your policy and compare insurance rates, call 855-948-5219 or type your zip code into the tool below:
Frequently Asked Questions
Our Rating Methodology
The This Old House Reviews Team is committed to providing comprehensive and unbiased reviews to our readers. This means earning your trust through transparency and having the data to back up our ratings and recommendations.
With that in mind, we created an objective rating system to score each home insurance company. Here’s what that review process looked like:
- We analyze the information on each company’s website. This allows us to determine what products and services are offered by each home insurance provider.
- We get a sample quote from the companies by either talking to a sales representative or by using the online quote tool. This tells us what a policy looks like and costs.
- We test customer service by talking to a company representative, finding out their hours of operation, and determining what technological features are available for customers.
- We update all of this information on a continuous basis, storing it in a proprietary database that allows us to compare dozens of home insurance companies against each other.
With this data, we created a rating methodology to score each home insurance company. Our rating system is a weighted, 100-point scale based on the following factors:
- Coverage (30): We rated home insurance companies higher if they offered the six main types of homeowner protection—dwelling, other structures, personal property, loss of use, liability, and medical payments to others coverage.
- State availability (7.5): Companies scored higher if they covered more states than their competitors.
- Customer service (15): This factor is based on our communications with the company representatives, as well as the companies’ claims and quotes processes, availability throughout the week, and customer service information found on their websites.
- Technology (12.5): Technology can increase the efficiency of filing and tracking home insurance claims. Companies scored higher if they had technology options like mobile apps and online chat functions.
- Reputation (20): We gauged trustworthiness based on years of experience and Better Business Bureau ratings.
- Additional benefits (15): Companies that offered optional features, like discounts and endorsements, scored higher than competitors that didn’t.
The This Old House Reviews Team has a full-time researcher who collects and regularly updates data points from every company to help us compare them on key factors such as coverage, service, and dependability.
To share feedback or ask a question about this article, send a note to our Reviews Team at email@example.com.