Georgia Homeowners Insurance Quotes
If you're on the hunt for the best homeowner insurance Georgia has to offer, look no further. From Atlanta to Savannah to smaller towns in the state, HomeownersInsurance.com makes comparing top homeowners insurance policies as easy as a Georgia peach pie. Just fill out the quick quote form above, our team will get multiple quotes from top carriers and then help you choose the best policy to fit your needs.
Recent Georgia homeowners insurance quotes
Wondering just how much you could save on your Georgia homeowners insurance premiums? Check out the details of the last five policies written in Georgia by HomeownersInsurance.com agents. Keep in mind premiums vary according to square footage, location, features of the home, and other factors.
|Home 1||Home 2||Home 3||Home 4||Home 5|
|Premium with Auto Discount||$793†||$2,553†||$576†||$447†||$440†|
|Lot Size||N/A||7,841 Sq Ft||11,325 Sq Ft||N/A||3,049 Sq Ft|
|Square Feet||N/A||3,012 Sq Ft||1,629 Sq Ft||1,966 Sq Ft||1,828 Sq Ft|
|Discounts|| || || || || |
|Primary Heat Source||Central Electric||Central Electric||Central Electric||Central Gas||Central Gas|
Ready to get your own competitive quotes? Simply enter your ZIP code in the form above or call us directly at 1-877-234-0731 to get Georgia homeowners insurance quotes tailored to fit your specific insurance needs.
Home insurance premiums in Georgia
Homeowners insurance premiums in Georgia were around $1013.00 in January of 2016 when they increased from $994 in December. These values reflect average premiums on new sold policies by HomeInsurance.com. A standard policy will cover the structure of the buildings on the property, the contents of the home, liability for the homeowner(s), medical payments and loss of use expenses.
So what do changes in average Georgia homeowners insurance rates mean for you? Home insurance rates are constantly fluctuating, which means you should always be conscious of what you are paying for home and different ways you can save. By simply bundling your home and auto policies with one provider you can save you up to 20% on your premium and a home security system can score you a discount up of up to 10%.
What's Included in Standard Georgia Homeowners Insurance
- Dwelling: This coverage replaces or repairs your home if it's damaged by a covered peril such as fire or wind.
- Other Structures: A standard Georgia homeowners insurance policy would include this coverage for structures on your property besides your home such as a detached garage or fence.
- Contents/Personal Property: Protects the personal property inside your home such as electronic and furniture. You may need to purchase extra coverage for collectibles, art or expensive jewelry. This can come in handy in such places as Atlanta or Columbus, both of which rank above average for burglaries, according to the 2012 FBI Report on Offenses Known to Law Enforcement.
- Loss of Use: In the event your home is damaged or destroyed by a covered peril, Loss of Use coverage will help coveralternative accommodations and living expenses while you're unable to live in your home.
- Personal Liability Protection: Offers help if someone is injured on your property and plans to take you to court.
- Medical Payments: If someone other than you or a family member is injured on your property and decides not to sue, medical payments coverage offers reimbursement for medical payments.
Preparing your coverage for Georgia weather threats
The Peach State comes complete with beautiful coastline, breathtaking mountains and charming cities. However, it also comes with some severe weather that could seriously threaten your home, whether it’s in Marietta or Augusta. While Georgia doesn't sit in Tornado Alley, it's still quite prone to twisters. The capital city of Atlanta made the Weather Channel's list of top 10 tornado cities and Atlanta alone has been hit by more than 70 tornados. Standard Georgia homeowners insurance typically comes with wind coverage and you'll want to keep that coverage in case a tornado rips through your neighborhood.
Georgia can also be victim to hurricanes and while wind coverage is usually standard, flood coverage is not. Georgia homeowners who live in an area susceptible to flood should purchase a flood policy through the National Flood Program. Click here to check whether your neighborhood lies in a flood hazard zone.
Whether you reside in Athens or Columbus, as a homeowner in the state of Georgia, you should review your current policy and see what perils are covered and which are not. An adjustment in coverage may be necessary in order to keep your home fully protected.
For additional information about specific Georgia homeowners insurance laws and regulations, visit the Georgia Department of Insurance website.