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Last updated on Sep 16, 2020

The Best Homeowners Insurance Companies in Georgia

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    In Georgia, homeowners insurance premiums average $1,267 per year, which is a little above the national average. One of the key reasons Farmers Insurance is our top pick is because the company’s average annual premium of $422 is less than half that amount. The other featured companies offer low rates, too, but also score high marks in customer service and coverage options. 

    These factors — discounts, coverage, and customer service — play into our process for selecting top carriers, resulting in a mix of both national and smaller regional homeowners insurance companies. 

    The 5 Best Homeowners Insurance Companies in Georgia 

    Compare Georgia’s Top Insurance Companies


    Average Price AM Best Financial StrengthJ.D. Power Overall Customer Satisfaction
    Farmers Insurance$422B++808/1000
    Cincinnati Insurance Co.$553A+N/A
    Auto-Owners Insurance$822A++826/1000
    USAA$1,058A++904/1000
    Allstate$1,069A+882/1000

    Farmers

    Farmers offers an unusual quoting system that features three tiers of service. Within those three tiers, you can further customize your policy if you have, say, expensive electronics or jewelry to cover.

    Farmers

    Best Pricing Options

    Why we chose it

    Those three options for your coverage allow you to choose a policy that works for your pocketbook. Even at the lowest level, you can choose higher coverages for specific items, making your policy one of a kind.
    • 3.5 Reviews Score
    • B++ AM Best Rate AM Best rates car insurance provider’s creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
    • 808* J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.
    • A+ BBB Rating The BBB rates companies based on trustworthiness and performance. The company uses a variety of factors, including how the company handles customer complaints.

    Why we chose it

    Those three options for your coverage allow you to choose a policy that works for your pocketbook. Even at the lowest level, you can choose higher coverages for specific items, making your policy one of a kind.

    Pros

    • Three tiers of coverage
    • Bundling discounts
    • Identity theft coverage available

    Cons

    • Sparse website
    • Not many discounts
    Read More

    Discounts available

    • Nonsmokers discount
    • Multiple policies discount
    • Professional group member discount

    Unique features

    Farmers’ three tiers — standard, enhanced, and premier — let you pick the best coverage based on cost and coverages. The highest level, premier, includes replacement cost coverage with 100% reimbursement regardless of policy limits.

    *J.D. Power 2019 U.S. Home Insurance Study, based on a 1,000-point scale

    Further Reading on Farmers:

    Cincinnati Insurance Co. 

    Cincinnati Insurance is a writer of business and individual policies based in Ohio, though it has a strong presence in Georgia. It positions itself toward high-net-worth individuals, but it sells policies for homes of any value. 

    Cincinnati Insurance

    Best Pricing Options

    Why we chose it

    We liked the Executive Homeowner Plus endorsement, which allows you to add padding to your coverage, such as replacement cost on personal property, with no deduction for depreciation, replacement for damaged trees and plants, and even coverage for the contents of your freezer after a power failure.
    • 4.3 Reviews Score
    • A+ AM Best Rate AM Best rates car insurance provider’s creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
    • N/A J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.
    • N/R BBB Rating The BBB rates companies based on trustworthiness and performance. The company uses a variety of factors, including how the company handles customer complaints.

    Why we chose it

    We liked the Executive Homeowner Plus endorsement, which allows you to add padding to your coverage, such as replacement cost on personal property, with no deduction for depreciation, replacement for damaged trees and plants, and even coverage for the contents of your freezer after a power failure.

    Pros

    • Good for high-value homes
    • Homeowner Plus endorsement
    • Good customer service

    Cons

    • Few discounts
    • Lacks third-party ratings
    Read More

    Discounts available

    • Home and auto bundle discount
    • Home alarm discount

    Unique features

    The Executive Homeowner Plus endorsement offers uncommon coverage, including personal property replacement without a deduction for depreciation. 

    Auto-Owners Insurance

    If you prefer doing your insurance business in person or by phone rather than digitally, Auto-Owners could be a good fit for you. Auto-Owners doesn’t have an online quote tool, nor can you report a claim online.

    Auto-Owners

    Best Pricing Options

    Why we chose it

    The company has a track record of landing near the top of consumer rating organizations. It’s third on Consumer Reports’ listing with an excellent 89 out of 100. J.D. Powers gives it four out of five Power Circles for overall satisfaction, as well as high marks for claim servicing, estimating and settlement of claims.
    • 4 Reviews Score
    • A++ AM Best Rate AM Best rates car insurance provider’s creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
    • 826* J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.
    • A+ BBB Rating The BBB rates companies based on trustworthiness and performance. The company uses a variety of factors, including how the company handles customer complaints.

    Why we chose it

    The company has a track record of landing near the top of consumer rating organizations. It’s third on Consumer Reports’ listing with an excellent 89 out of 100. J.D. Powers gives it four out of five Power Circles for overall satisfaction, as well as high marks for claim servicing, estimating and settlement of claims.

    Pros

    • Excellent customer service
    • Financially solid
    • High claims satisfaction

    Cons

    • Poor digital experience
    • Not rated by all credit agencies
    Read More

    Discounts available

    • Multi-policy discount
    • Protective devices discount
    • Automatic backup generator  discount

    Unique features

    Auto-Owners offers many discounts, some quite unusual for most insurance companies. These include an automatic backup generator discount, a water shut-off system discount, a mortgage-free discount and a favorable loss history discount. 

    *J.D. Power 2019 U.S. Home Insurance Study, based on a 1,000-point scale

    Further Reading on Auto-Owners:

    USAA

    USAA appears at the top of rating lists for its excellent customer service, comprehensive policies and fair prices. The only catch is that you must be a current or former member of the military community to purchase a policy — but if you are, the company should be your first stop.

    USAA

    Best Pricing Options

    Why we chose it

    USAA has earned a high reputation for quality and service within the military community. If you fit the demographic, getting a quote from USAA should be the first step in your search for great homeowners insurance.
    • 4 Reviews Score
    • A++ AM Best Rate AM Best rates car insurance provider’s creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
    • 904* J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.
    • N/A BBB Rating The BBB rates companies based on trustworthiness and performance. The company uses a variety of factors, including how the company handles customer complaints.

    Why we chose it

    USAA has earned a high reputation for quality and service within the military community. If you fit the demographic, getting a quote from USAA should be the first step in your search for great homeowners insurance.

    Pros

    • Outstanding customer service
    • Policies tailored to military family needs
    • Competitive pricing

    Cons

    • Only available to current and former military members and their families
    • Limited discounts
    Read More

    Discounts available

    • Save 10% if you bundle with auto
    • Claims-free 10% discount
    • Home security system discount

    Unique features

    USAA’s policies are written with service men and women in mind. This means they have details that anyone in the military can appreciate, such as full coverage for uniforms for active duty or deployed members.

    *J.D. Power 2019 U.S. Home Insurance Study, based on a 1,000-point scale

    Further Reading on USAA:

    Allstate

    Allstate’s strength is in the diversity of its offerings and discounts, which allow you to pick and choose the coverage that works best for your circumstances. It has a great website, with tons of useful information.

    Allstate

    Best Pricing Options

    Why we chose it

    Allstate’s discounts add up to lower premiums, making the company a good choice for anyone who’s looking to save a few dollars on their premium costs. Allstate is also generous in their coverage, providing up to $10,000 for accidental damage.
    • 4 Reviews Score
    • A+ AM Best Rate AM Best rates car insurance provider’s creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
    • 814* J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.
    • A+ BBB Rating The BBB rates companies based on trustworthiness and performance. The company uses a variety of factors, including how the company handles customer complaints.

    Why we chose it

    Allstate’s discounts add up to lower premiums, making the company a good choice for anyone who’s looking to save a few dollars on their premium costs. Allstate is also generous in their coverage, providing up to $10,000 for accidental damage.

    Pros

    • Diverse discount opportunities
    • Informative website and digital tools
    • Above-average customer service

    Cons

    • NAIC complaint index high
    • Financial strength ratings good, but not great
    Read More

    Discounts available

    • Early signing discount
    • Home buyer discount
    • Hail-resistant roof discount

    Unique features

    Allstate’s discount list is longer than most national insurers. You could save up to 10% on your premiums if you sign up for your new policy at least 7 days before the current one expires. 

    *J.D. Power 2019 U.S. Home Insurance Study, based on a 1,000-point scale

    Further Reading on Allstate:

    Average Cost of Homeowners Insurance in Georgia

    According to the Insurance Information Institute, the national average premium for homeowners insurance is $1,211, which is slightly less than Georgia’s average premium of $1,267. When compared with other states, Georgia comes in as the No. 18  most expensive state, with Louisiana topping the list at $1,968 and Oregon at the bottom at $677. 

    Home Insurance Add-Ons That Will Further Protect You

    Flood insurance should be a primary consideration to add on to your homeowners insurance as most policies do not include flood damage. Throughout the state, many homes sit in low-lying areas prone to flooding, so home insurance companies in Georgia offer flood insurance in partnership with the National Flood Insurance Program, which offers protection of up to $250,000 of your home’s value in the event your home is damaged by floods. 

    Another add-on consideration is for sump pump and sewer backup that could result in water damage to your property. Speak to your agent to find out what coverage is included with your Georgia homeowners insurance.

    The Cheapest Homeowner Insurance Companies in Georgia

    Largest Companies by Market Share in GeorgiaAverage Annual Premium
    Farmers Insurance $422
    Cincinnati Insurance Co. 
    $553
    ASI Home Insurance Corp. $584
    Auto-Owners Insurance$822
    Privilege Underwriters Recp Exchange$991
    USAA$1,058
    Allstate$1,069
    Georgia Farm Bureau Mut Ins Co.$1,073
    Chubb$1,103
    Travelers$1,119
    Garrison Prop & Cas Ins Co. $1,201
    ALFA Insurance$1,361
    Country Financial$1,817

    Cost of Homeowners Insurance by Age of Home

    Age of Home (years)Sample Annual Premium
    5$1,090
    20$1,486
    35$1,516
    50$1,513
    Average Across Tiers
    $1,401

    Top 3 Cheapest Homeowners Insurance Companies in Georgia 

    • Farmers Insurance — $422
    • Cincinnati Insurance Co. — $553
    • ASI Home Insurance — $584

    Top 3 Most Expensive Homeowners Insurance Companies in Georgia

    • Country Financial — $1,817
    • ALFA Insurance — $1,361
    • Garrison Prop & Cas Ins Co. — $1,201

    Helpful Resources for Georgia Homeowners

    Georgia homeowners insurance can be confusing, so it’s important to educate yourself before purchasing any policies. Start with our “Homeowners Insurance Buyer’s Guide” to learn basic insurance terms, what type of coverage is available, questions to ask your insurance company or agent, and more.  

    Homeowners Insurance FAQ 

    Is homeowners insurance required in Georgia?

    While Georgia homeowners insurance is not required by state law, home mortgage lenders often require a minimum amount of insurance on the property. Speak to your lender to find out what homeowners insurance requirements they have before closing on your mortgage to ensure you can get the proper coverage. 

    What is the cheapest homeowners insurance in Georgia?

    From our research, the cheapest Georgia homeowners insurance was with Farmers Insurance. However, all homeowners insurance rates vary based on the individual property. The homeowners insurance company evaluates the age, size and location of the home, the cost to rebuild it, and the cost of replacing the contents. Check out our list on the most affordable homeowners insurance companies.

    What does homeowners insurance in Georgia cover?

    Most Georgia homeowners insurance policies cover property damage to your home and any detached buildings, the contents and your personal belongings, reimbursement for expenses if you have to live elsewhere while your home is repaired, and personal liability if you are responsible for injuries to others or damage to their personal property. 

    Methodology

    We evaluated the companies based on their customer rating and experience, financial stability, and coverage to determine the best providers. To compare home insurance companies across the board, we then calculated a Reviews.com score based on the following:

    • Customer Ratings — Customer ratings are an indication of satisfaction with the process of filing a claim. We measured this using J.D. Power Homeowners Satisfaction 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 will not have issues paying out claims, regardless of the amount. However, companies with weak financial strength might not be able to pay out claims. We measured this using AM Best’s ratings, which specializes in assessing the financial strength of insurance companies.
    • 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 NAIC National Complaint Index.

    About the Authors

    Karon Warren is a freelance writer who has covered articles in finance, insurance and health for sites like Reviews.com, USA Today, Healthgrades, among others.

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