Home Insurance in Georgia
Georgia homeowners deal with a wider spread of risks than almost any state east of the Mississippi: hurricane-driven wind on the coast, some of the country’s most active hail and tornado corridors in the metro north, and hot, humid summers that are hard on roofs everywhere. Premiums reflect it — and they vary sharply from one carrier to the next for the same house.
That variation is the opportunity. Because every carrier weighs Georgia’s wind, hail, and claims data differently, comparing several insurers routinely uncovers meaningful savings, especially for homes with newer roofs or claim-free histories. Pick your city below for local rates, risks, and answers from licensed Georgia agents.
Georgia coverage notes
Georgia carriers may apply a separate wind/hail deductible, often 1-2% of dwelling coverage, in addition to the flat all-peril deductible — always compare both numbers, not just the premium
Georgia carriers may apply a separate wind/hail deductible, often 1-2% of dwelling coverage, in addition to the flat all-peril deductible — always compare both numbers, not just the premium.
The Georgia Underwriting Association (FAIR Plan) provides wind coverage of last resort in coastal counties for homes that standard carriers decline
The Georgia Underwriting Association (FAIR Plan) provides wind coverage of last resort in coastal counties for homes that standard carriers decline.
Georgia law gives insurers the right to inspect a newly written home within the first 60 days; keeping your roof and exterior in good repair protects your new policy from cancellation
Georgia law gives insurers the right to inspect a newly written home within the first 60 days; keeping your roof and exterior in good repair protects your new policy from cancellation.
Cities we serve in Georgia
Atlanta
~$1,900
avg / year
Top peril: Spring hail
Savannah
~$2,750
avg / year
Top peril: Hurricane wind
Augusta
~$1,300
avg / year
Top peril: Hail & lightning
Macon
~$1,000
avg / year
Top peril: Wind & hail
Columbus
~$1,600
avg / year
Top peril: Storm wind
Alpharetta
~$2,900
avg / year
Top peril: Spring hail
Roswell
~$2,750
avg / year
Top peril: Spring hail
Sandy Springs
~$2,850
avg / year
Top peril: Falling trees
Marietta
~$2,300
avg / year
Top peril: Spring hail
Georgia home insurance questions
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