Shopping for homeowners insurance in Georgia can be challenging with so many companies to pick from. Choosing the best one for your situation requires careful research and comparison. Since every homeowner has different coverage needs and preferences for budget or customer support, the best provider will differ for each individual.
To help you find the best homeowners insurance in Georgia, Reviews evaluated some of the largest Georgia home insurance companies based on third-party ratings, average premiums, coverage options, discounts, and other factors that may be important for your situation. Based on our study of available data, we determined that the best home insurance companies in Georgia include USAA, State Farm, Auto-Owners, and COUNTRY Financial.
The 4 Best Homeowners Insurance Companies in Georgia
- USAA: Best for Military-Focused Coverage
- State Farm: Best for Availability
- Auto-Owners: Best for Optional Coverage
- COUNTRY Financial: Best for Discounts
Compare the Best Georgia Homeowners Insurance Companies
| Average Annual Premium* | AM Best Financial Strength AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim. | 2021 J.D. Power Customer Satisfaction J.D. Power scores are based on surveys for customer satisfaction and product quality. | ||
|---|---|---|---|---|
| Pin USAA** | $1,214 | A++ (Superior) | 882/1,000 | |
| Pin State Farm | $2,092 | A++ (Superior) | 835/1,000 | |
| Pin Auto-Owners | $875 | A++ (Superior) | 831/1,000 | |
| Pin COUNTRY Financial | $1,905 | A+ (Superior) | 830/1,000 |
Information accurate as of December 2021
*Based on $250,000 dwelling coverage
**USAA not officially ranked by J.D. Power due to eligibility restrictions
USAA
USAA exclusively sells home insurance to former or current active duty military personnel and their immediate family members. The company has excellent third-party ratings for claim satisfaction (although it is considered officially rank-ineligible) and customer satisfaction, and offers affordable rates for many homeowners in the Armed Forces.
Best for Military-Focused Coverage
WHY WE CHOSE IT
Why we chose it
Pros
- Rates are below average compared to the state average annual premium
- Exceptional customer satisfaction and financial strength ratings
- Free identity theft coverage with every policy
Cons
- Only available to current and former Armed Forces and their families
- Fewer discounts than some competitors
DISCOUNTS AVAILABLE
- Claim-free
- Security device
- Policy bundling
ADD-ON COVERAGES
- Home-sharing coverage
- Military uniform coverage
- Contents replacement cost coverage
USAA INSURANCE REVIEW
State Farm
State Farm is one of the highest rated national homeowners insurance companies based on third-party ratings from AM Best and J.D. Power. For ease of policy management, one of State Farm’s 19,000 licensed agents can help you purchase your policy, adjust coverage, navigate the claim process, or provide support so you can make informed insurance decisions.
Best for Availability
WHY WE CHOSE IT
Why we chose it
Pros
- Strong overall satisfaction and financial strength ratings
- Unique roofing discounts
- Numerous local agents
Cons
- Limited additional coverage options
- Not as many discounts as other companies
- Premiums average higher for Georgia compared to some insurers
DISCOUNTS AVAILABLE
- Multi-policy
- Security system
- Roofing discounts
ADD-ON COVERAGES
- Personal articles coverage
- Water backup/sump pump coverage
- Identity theft coverage
STATE FARM INSURANCE REVIEW
Auto-Owners
Auto-Owners makes it easy to customize your home insurance policy with endorsements, or optional coverages, for more protection. You can also convert your policy to replacement cost coverage, which yields a higher payout in the event of a claim and doesn’t factor depreciation into your payment.
Best for Optional Coverage
WHY WE CHOSE IT
Why we chose it
Pros
- Multiple endorsement options to choose from
- High claim satisfaction and financial strength ratings
- Competitive rates
Cons
- Must work with an agent to purchase a policy
- No online quote option
DISCOUNTS AVAILABLE
- Automatic backup generator
- Protective devices
- Water shut-off system
- Favorable loss
- Mortgage-free
- Life multi-policy
ADD-ON COVERAGES
- Guaranteed home replacement cost coverage
- Special personal property coverage
- Homeowners plus package
- Identity theft coverage
- Equipment breakdown coverage
- Ordinance/law coverage
- Water backup/sump pump coverage
AUTO-OWNERS INSURANCE REVIEW
COUNTRY Financial
Based on our evaluation, COUNTRY Financial has some of the best discounts among Georgia home insurance companies. In addition to the basics, like policy bundling and having a security system installed, you can also potentially qualify for unique discounts, like a safe heat discount and new wiring discount.
Best for Discounts
WHY WE CHOSE IT
Why we chose it
Pros
- Unique discounts
- Live chat feature
- Available endorsements for added protection
Cons
- Above-average premiums
- No online quote option
- Financial strength rating not as strong as some other insurers
DISCOUNTS AVAILABLE
- Loyalty
- Safe heating system
- New wiring
- New home
- Smart home
- Water backup system
- Hail-resistant roof
- New customer
ADD-ON COVERAGES
- Water backup/sump pump coverage
- Identity theft coverage
- Replacement cost coverage
- Valuable items coverage
Average Cost of Homeowners Insurance in Georgia
In Georgia, the average cost of homeowners insurance is $1,376 per year, which breaks down to about $115 per month for $250,000 in dwelling coverage. For comparison, the U.S. average rate is $1,312 per year for the same amount of dwelling coverage.
These average premiums are based on 2021 quoted annual premium data from Bankrate.com, but keep in mind that every homeowner pays a different rate for insurance. Your ZIP code, claim history, insurance-based credit score, policy limits, and insurance company can all impact your cost of home insurance. Insurance experts typically recommend comparing quotes from at least three insurers to find the best deal for your situation.
Average Annual Premium from Homeowners Insurance Companies in Georgia
Every home insurance company in Georgia has different rates, which is why it’s important to shop around and compare quotes from multiple providers. In the table below, you can see how much the average premiums vary among some of the biggest home insurance companies in Georgia.
| Company | Average Annual Premium* |
| Alfa | $1,597 |
| Allstate | $1,284 |
| Auto-Owners | $875 |
| Chubb | $1,598 |
| Progressive | $692 |
| Cincinnati Insurance | $822 |
| Country Financial | $1,905 |
| Farmers | $1,118 |
| Georgia Farm Bureau Grp | $1,176 |
| Grange | $1,889 |
| PURE | $1,083 |
| State Farm | $2,092 |
| Travelers | $1,484 |
| United Ins Holdings Grp | $838 |
| USAA | $1,214 |
*Based on $250,000 dwelling coverage
Top 3 Most Expensive Companies for Georgia Homeowners Insurance
- State Farm: $2,092
- COUNTRY Financial: $1,905
- Grange: $1,889
Top 3 Cheapest Companies for Georgia Homeowners Insurance
- Progressive: $692
- Cincinnati Insurance: $822
- United Ins Holdings Grp: $838
Georgia Home Insurance Considerations
When choosing home insurance in Georgia, it’s important to keep certain things in mind, such as the risk of geo-specific claims. For example, Georgia experiences hurricanes, flooding, and tropical storms on an annual basis. As a result, homeowners may want to consider purchasing flood insurance to protect their home financially from severe weather damage. Flood insurance is not included in a standard policy and is typically purchased from a private company or through a government program. Your insurer may be able to facilitate the purchase of flood insurance at the time you obtain your standard policy.
Other risks facing Georgia homeowners include wildfires and occasional tornadoes. Homeowners may be recommended by licensed agents to set their dwelling and personal property coverage limits appropriately to make sure they have adequate coverage for the risks in their location.
Helpful Resources for Georgia Homeowners
If you are purchasing home insurance in Georgia for the first time, you can take advantage of several resources to help you understand which coverage types you need and what the suggested limits are for your situation.
The state’s insurance department publishes several home insurance resources that explain what a policy covers, how to find discounts, and tips for choosing deductibles, among other topics. If you live in a high-risk flood zone, you can also look into FEMA’s flood insurance resources and learn how flood insurance can protect your home.
Frequently Asked Questions
Methodology
We evaluated the companies based on their third-party agency ratings for customer experience, financial stability, as well as coverage options to determine which might be the best providers.
To compare home insurance companies across the board, we considered the following factors:
- Customer Ratings — Customer ratings are an indication of satisfaction with the process of filing a claim. We measured this using 2021 J.D. Power Home Insurance Study ratings.
- Coverage — As there isn’t one company to fit everyone’s needs, we evaluated companies by the amount of coverage options and add-ons available.
- Confidence — It is extremely important for insurance companies to fulfill customers’ claims. Companies with sound financial strength ratings indicate a positive history of being able to pay out claims. We measured this using AM Best ratings.
- Customer Experience — The amount of complaints a company receives is an indicator of the overall customer experience as it expresses dissatisfaction. We have based this measure on the National Association of Insurance Commissioners National Complaint Index.
Rates are based on quoted annual premiums from Bankrate.com. These are sample rates and should be used for comparative purposes only. Your quotes may be different.
The coverage limits for home insurance rates reflect the following coverage and limits:
- Coverage A, Dwelling: $250,000
- Coverage B, Other Structures: $25,000
- Coverage C, Personal Property: $125,000
- Coverage D, Loss of Use: $50,000
- Coverage E, Liability: $300,000
- Coverage F, Medical Payments: $1,000
The homeowners also have a $1,000 deductible and a separate wind and hail deductible (if required).
About the Authors
Elizabeth Rivelli is an insurance writer for Reviews.com. Over the last year, she has covered insurance providers, best policies, industry trends and more. Elizabeth has been featured in The Simple Dollar, Bankrate and Coverage.com, among others. She holds a bachelor's degree in Communication Studies from Northeastern University in Boston, MA. The Best Term Life Insurance Companies is Elizabeth’s favorite review on Reviews.com.
