Finding great Georgia home insurance can be easier when independent agents with HomeInsurance.com work for you. HomeInsurance.com works with multiple highly rated carriers to find coverage that fits your needs and comes with great discounts. You don't even have to leave the house.
The first step in securing good Georgia home insurance rates is understanding the coverage you need. That mostly depends on what part of Georgia you inhabit. For example, in mountainous northern Georgia, residents have to worry about landslides. But Savannah residents and others along the Atlantic Coast concern themselves with hurricanes.
Georgia also is one of the leading states in tornado frequency, although few gain disastrous strength. No matter where you live, properly cover your home for wind damage. In addition, Georgia experiences higher than average amounts of rainfall each year, putting residents at potential risk of flooding.
Remember that standard home insurance doesn't cover landslides, earthquake damage, or flooding damage. If you live in an at risk area, you may have to purchase a separate policy. Talk to the Georgia Department of Insurance for more details on specialized coverage.
Home insurance rates in Georgia
Homeowners insurance premiums in Georgia were around $903.00 in February of 2014 when they increased from $902 in January. These rates 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.
Average Premiums for Home Insurance In Georgia
|Feb 2014||Jan 2014||Dec 2013||Nov 2013||Oct 2013|
The best way to beat the average is to shop around. That's why the HomeInsurance.com system works well. Agents shop across multiple carriers to not only get you Georgia homeowners insurance coverage but also to find discounts for which you might qualify. Enter your ZIP code above or call 1-877-295-3422 and licensed agents can begin to help you save today.
Georgia home insurance and the rest
Compared with the national average of $815, Georgia residents paid $903 for their home insurance.
Here's a look at how rates shape up locally compared with the state average. See whether premiums in your county come in higher or lower than rest of Georgia.
Homeowners insurance discounts
Whether your current premium is more or less than what your fellow Georgians are paying, you could always use more ways to save. Some common ways you might qualify for discounts include the following:
- Protection: You could earn discounts of up to 10% by installing a home security system. Even simply installing deadbolt locks could save you up to 5%.
- Fire safety: If you have a sprinkler system, smoke detectors, or no one in your household smokes cigarettes, you could qualify for price breaks.
- New house: Sometimes breaking from tradition can save you money. For example, if your house was built within the last 10 years or has updated systems or materials, you could qualify for price breaks on your Georgia home insurance premiums.
- Claims history: If you haven't filed a claim in the last 10 years, you could save money on premiums.
- Bundling: If you choose the same carrier for both your home and auto coverage, you could get discounts of up to 20%.
Georgia home insurance quotes: where others stand
How do your Peach State neighbors' rates stack up? Below you'll find the information on the last five Georgia policies sold by HomeInsurance.com.
|Home 1||Home 2||Home 3||Home 4||Home 5|
|Premium with Auto Discount||$1,664†||$896†||$711†||$728†||$690†|
|Foundation type||Slab||Crawl Space||Basement||Slab||Basement|
|Discounts|| || || || || |
|Primary Heat Source||Central Gas||Central Electric||Central Electric||Central Gas||Central Electric|
Georgia home insurance coverage
So what exactly do your home insurance premiums cover? Your homeowners insurance helps protect you from four main things: damage to your structures from specified perils such as wind, fire, and hail; expenses if you can't live in the home while it's being repaired because of a covered peril; damage to your possessions in the house; and injuries caused on your property.
Breaking it down further, a standard homeowners policy typically contains the following:
Dwelling and Other Structures: Dwelling coverage protects the structure of your home against perils that include wind, fire, smoke, and burglary. You should purchase enough dwelling coverage to completely rebuild or repair your house after a covered event. Other structures protects buildings such as detached garages or sheds on your property.
Loss of Use: If a covered peril destroys your home or damages it to the point you can't safely stay there, this helps pay your living expenses while the house is replaced or repaired.
Contents/Personal Property: The contents of your home, including furniture, electronics, clothing, and other personal belongings, are covered under home insurance up to a specified limit.
Personal Liability Protection and Medical Payments: If someone is injured, or if the person's property is damaged while visiting your home and he or she decides to sue, personal liability protection can provide you with financial help for legal fees and any award you might be ordered to pay, up to your coverage limit. If that person decides not to sue, medical payments offers reimbursement for medical bills to injured parties not in the family.
Other resources for Georgia homeowners
Home insurance calculator- Here you can determine the amount of coverage you'll need and find out average Georgia dwelling costs.
Disaster preparedness guide- Protect your home and family from harm by using this guide.
Home inventory checklist- Learn why and how to conduct a home inventory, especially with the use of this checklist.
Home Insurance in Georgia Cities
Find your city in the list below for more information about home insurance there: