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Georgia Home Insurance - What's Happening

Georgia residents might care for their homes, but not everything is always so peachy keen. Residents of the Peach State paid average annual premiums of $929 in the second quarter of 2014, about $100 more than the national average. The reason why Georgia home insurance rates exceed the norm? Weather risks in the state and home characteristics make the state not so great for home insurance prices.

You may be surprised to learn that Georgia leads many states in the nation in frequency of tornadoes, though most don't rank stronger than F1. The biggest disaster threats to the state involve wind and water. Georgia receives moderate to heavy precipitation throughout the year, leading to floods. The drier parts of the state also occasionally experience wildfires.

Fill in your ZIP code in the blank above or call us to get started with Georgia home insurance. Our agents at can get you a free quote. With the right protection, you can sit back and relax, knowing your house has protection from weather, sunny or otherwise.

Curious about car insurance? Click here to learn more about auto insurance in Georgia.

Georgia Home Insurance Report Card

We get that buying home insurance is complicated. We've demystified it by assigning each state grades based on information collected from customers about their houses. It's a coloring-outside-the-lines approach that shows how factors about a home can affect what you pay for coverage.


Home Grade

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Property Grade

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Bonus Grade

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Overall Grade

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Home (Grades related to the house itself)

Georgia homeowners have everything going for them as far as average replacement cost, average year built, and good roofs. The one thing that bumps up costs? Building bigger. The average Georgia home measures 2,219 square feet; that's the second largest average in the country. When it comes to home insurance costs, bigger certainly isn't better.


Average year built

The average Georgia home was built in 1989 and is 9 years younger than the average home across the country. Younger homes typically mean lower rates because they are more durable.


Average home size

Compared with the U.S. average home size of 1,971 square feet, the average Georgia home measures a whopping 2,219. More home means more to insure and higher monthly costs.


Average replacement cost

At $281,411, the average replacement cost for a Georgia home is just $2,835 higher than the U.S. mean.


% of homes with sump pump

Though only 4% of Georgia homes have sump pumps; that puts the state above 12 others in the category.

Property (Factors related to the property and location)

Georgia may do poorly on the size of homes, but any other structures, such as detached garages, sheds, or fences, aren't as expensive to replace. Residents also tread carefully when it comes to swimming pools. Only 8.2% of homes in the state have pools.

Georgians do have one weakness when it comes to property liability: ATVs and snowmobiles. These small, recreational vehicles pose danger not only to residents but also to guests and others on the property. About 1.4% of Georgia homes have ATVs or snowmobiles – nearly twice the national average of just 0.8%.

Bonus (Other factors that influence your home insurance premiums)


% of homes with fire extinguishers

Only 89% of homes had working fire extinguishers, compared with the national average of 91.4%. As a state prone to wildfires, Georgia and its residents should know better.


% of homes with dead bolt locks on exterior doors

Deadbolt locks deter burglars and can earn you insurance discounts. Georgia hits just below the national average; 95% of homes have deadbolt locks.


% of homes with smoke detectors

Georgia makes up some of its lost ground in fire-safety by installing smoke detectors. 98% of homes in the state have them as opposed to the national average of 98.3%.


% of homes with security alarms

Compared with a national average of just 19.7%, 34% of Georgia's homes have burglar alarms. Residents keep their homes and families safe and secure.

Overall Grade - B (solid grade)

Though Georgia's homeowners receive good grades overall for home characteristics and safety precautions, there were a few characteristics that keep the Peach State from harvesting A+ grades. Home size and liability risks are two characteristics that bring grades down and affect Georgia home insurance costs. Improvements available to residents include purchasing smaller homes, keeping safety features on hand, and cutting down on liability risks such as pools or ATVs. Natural disaster risks in Georgia may seem unstoppable, but that doesn't mean residents of the state can't better prepare for them.

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