Best Homeowners Insurance in Georgia
Progressive is the best home insurance company in Georgia for most homeowners. Progressive has the cheapest rates in the state, which averages to $2,061 a year. It also offers discounts that are easy to qualify for.
Best cheap home insurance companies in Georgia
Georgia’s cheapest home insurance companies
Progressive, the Cincinnati Insurance Company and Nationwide offer the cheapest home insurance rates in Georgia. Progressive has the cheapest quotes at an average rate of $2,061 a year, followed by the Cincinnati Insurance Company, which averages $2,446 a year.
| Company | Average annual premium | LendingTree score | |
|---|---|---|---|
 | Progressive | $2,061 |  |
 | Cincinnati Insurance Co | $2,446 | Not rated |
 | Nationwide | $2,479 |  |
 | USAA* | $2,683 | |
 | Country Financial | $2,798 | |
 | Farmers | $2,803 | |
 | Allstate | $3,100 | |
 | Georgia Farm Bureau | $3,147 | |
 | State Farm | $3,116 | |
 | Chubb | $3,280 | Not rated |
 | Travelers | $3,650 | |
*USAA is only available to active-duty and veteran military members and their families.
Best homeowners insurance companies in Georgia
Progressive, Chubb and Country Financial are the best home insurance companies in Georgia, based on factors like cost, coverage, discounts and customer service.
| Company | Average annual premium | J.D. Power overall satisfaction rating | NAIC Complaint Index rating |
|---|---|---|---|
| Progressive | $2,061 | 791 | 0.12 |
| Cincinnati Insurance Co | $2,446 | - | 0.13 |
| USAA | $2,683 | 881 | 0.52 |
| Country Financial | $2,798 | 819 | 0.19 |
| State Farm | $3,116 | 829 | 0.95 |
| Chubb | $3,280 | 801 | 0.15 |
Best overall home insurance in Georgia: Progressive
Progressive is the best home insurance company in Georgia for most homeowners. Progressive offers affordable quotes and receives fewer complaints than its competitors.
Progressive received roughly 90% fewer complaints than are expected of a company its size, according to the National Association of Insurance Commissioners (NAIC). NAIC’s Complaint Index measures customer complaints using a median Complaint Index of 1.0.
| Pros | Cons |
|---|---|
Progressive offers discounts that are easy to qualify for, such as its advance quote discount. | Progressive received a low coverall customer satisfaction score of 791 out of 1,000 points in J.D. Power’s 2023 Home Insurance Study. |
Progressive has the cheapest home insurance rates in Georgia with rates that average $2,061 a year. This is about $800 cheaper than the state average of $2,869. | Progressive offers few optional coverages compared to some of its competitors. |
Best home insurance company for coverage in Georgia: Chubb
Chubb offers some great coverage if you upgrade to its Masterpiece policy. With Chubb’s Masterpiece policy, you can get a cash settlement if your home is a total loss due to a covered peril and you decide not to rebuild your home.
If items in your home are damaged, Chubb’s Masterpiece policy will replace them. This includes upgraded appliances, custom cabinets and flooring.
| Pros | Cons |
|---|---|
Chubb’s Masterpiece program offers great benefits, especially for luxury homes. | Chubb has a below-average customer satisfaction score of 801 out of 1,000 points from J.D. Power’s 2023 U.S. Home Insurance Study. |
Chubb received roughly 85% fewer complaints compared to what’s expected for a company of its size. | Chubb has above-average home insurance rates in Georgia that average $3,280 a year. |
Best home insurance company for discounts in Georgia: Country Financial
Country Financial offers a variety of unique discounts. You can qualify for a discount if you have new or upgraded electrical wiring. You can also save if your home doesn’t have a solid fuel-burning unit. Country Financial also offers common discounts such as a multi-policy discount, a loyalty discount and a smart home discount.
| Pros | Cons |
|---|---|
Country Financial offers a variety of great discounts. | County Financial has an average customer satisfaction score of 819 out of 1,000 points from J.D. Power’s 2023 U.S. Home Insurance Study. |
Country Financial offers average home insurance rates in Georgia that average $2,798 a year. |
How much is homeowners insurance in Georgia?
The average cost of home insurance in Georgia is $2,869 a year for a typical home. However, insurance companies consider many factors when determining your home insurance quote. This includes:
- Crime rates and weather patterns in your area
- The age of your home
- Your insurance history
- Deductible amount
What you pay for home insurance can also vary a lot based on the amount of coverage you need.
In Georgia, you’ll pay 16% more for home insurance if your policy has $400,000 in dwelling coverage Dwelling coverage helps rebuild or repair the structure of your home than you would if it had $350,000 in dwelling coverage. A home insurance policy with $450,000 in dwelling coverage costs 11% more than one with $400,000 in this coverage.
| Dwelling coverage amount | Average annual premium |
|---|---|
| $350,000 | $2,553 |
| $400,000 | $2,869 |
| $450,000 | $3,194 |
Georgia home insurance rates by city
Athens has the cheapest home insurance quotes in the state, at $2,406 per year. Sea Island has the highest rates at $4,365 a year.
| City | Average annual premium |
|---|---|
| Abbeville | $2,911 |
| Acworth | $2,598 |
| Adairsville | $2,753 |
| Adel | $2,938 |
| Adrian | $2,989 |
| Ailey | $2,940 |
| Alamo | $2,902 |
| Alapaha | $3,028 |
| Albany | $2,804 |
| Aldora | $2,673 |
| Allenhurst | $3,165 |
| Allentown | $2,875 |
| Alma | $2,987 |
| Alpharetta | $2,525 |
| Alston | $2,868 |
| Alto | $2,673 |
| Ambrose | $2,967 |
| Americus | $2,763 |
| Andersonville | $2,807 |
| Appling | $2,589 |
| Arabi | $2,927 |
| Aragon | $2,973 |
| Argyle | $2,752 |
| Arlington | $2,965 |
| Armuchee | $2,890 |
| Arnoldsville | $2,487 |
| Ashburn | $2,908 |
| Athens | $2,406 |
| Atlanta | $2,967 |
| Attapulgus | $2,858 |
| Auburn | $2,505 |
| Augusta | $2,990 |
| Austell | $2,752 |
| Avera | $3,017 |
| Avondale Estates | $2,572 |
| Axson | $3,008 |
| Baconton | $3,038 |
| Bainbridge | $2,926 |
| Baldwin | $2,576 |
| Ball Ground | $2,729 |
| Barnesville | $2,686 |
| Barney | $2,941 |
| Bartow | $2,983 |
| Barwick | $3,040 |
| Baxley | $2,927 |
| Bellville | $2,948 |
| Belvedere Park | $2,826 |
| Berkeley Lake | $2,515 |
| Berlin | $2,997 |
| Bethlehem | $2,439 |
| Bishop | $2,486 |
| Blackshear | $2,977 |
| Blairsville | $2,544 |
| Blakely | $2,932 |
| Bloomingdale | $3,440 |
| Blue Ridge | $2,675 |
| Bluffton | $2,894 |
| Blythe | $2,976 |
| Bogart | $2,421 |
| Bolingbroke | $3,985 |
| Bonaire | $2,723 |
| Bonanza | $2,780 |
| Boneville | $4,163 |
| Boston | $2,848 |
| Bostwick | $3,675 |
| Bowdon | $2,625 |
| Bowdon Junction | $3,932 |
| Bowersville | $2,602 |
| Bowman | $2,680 |
| Box Springs | $2,886 |
| Braselton | $2,442 |
| Bremen | $2,655 |
| Brinson | $2,919 |
| Bristol | $2,980 |
| Bronwood | $2,789 |
| Brookfield | $4,211 |
| Brooklet | $2,941 |
| Brooks | $2,660 |
| Broxton | $3,032 |
| Brunswick | $3,407 |
| Buchanan | $2,660 |
| Buckhead | $2,468 |
| Buena Vista | $2,873 |
| Buford | $2,486 |
| Butler | $2,971 |
| Byromville | $2,831 |
| Byron | $2,709 |
| Cadwell | $2,708 |
| Cairo | $2,809 |
| Calhoun | $3,105 |
| Calvary | $4,118 |
| Camak | $2,700 |
| Camilla | $3,067 |
| Candler-McAfee | $2,957 |
| Canon | $2,594 |
| Canton | $2,598 |
| Carlton | $2,534 |
| Carnesville | $2,542 |
| Carrollton | $2,755 |
| Cartersville | $2,668 |
| Cassville | $4,078 |
| Cataula | $2,939 |
| Cave Spring | $2,823 |
| Cecil | $3,028 |
| Cedar Springs | $4,138 |
| Cedartown | $2,895 |
| Centerville | $2,688 |
| Centralhatchee | $2,877 |
| Chamblee | $2,477 |
| Chatsworth | $2,598 |
| Chattahoochee Hills | $2,742 |
| Chattanooga Valley | $2,678 |
| Chauncey | $2,840 |
| Cherry Log | $2,735 |
| Chester | $2,937 |
| Chestnut Mountain | $4,018 |
| Chickamauga | $2,706 |
| Chula | $2,947 |
| Cisco | $2,614 |
| Clarkdale | $3,961 |
| Clarkesville | $2,644 |
| Clarkston | $2,849 |
| Claxton | $2,951 |
| Clayton | $2,545 |
| Clermont | $2,591 |
| Cleveland | $2,525 |
| Climax | $2,945 |
| Clinchfield | $4,087 |
| Clyo | $3,155 |
| Cobb | $2,841 |
| Cobbtown | $3,043 |
| Cochran | $2,862 |
| Cohutta | $2,647 |
| Colbert | $2,447 |
| Coleman | $2,871 |
| College Park | $2,967 |
| Collins | $3,099 |
| Colquitt | $2,952 |
| Columbus | $3,170 |
| Comer | $2,565 |
| Commerce | $2,509 |
| Concord | $2,801 |
| Conley | $2,941 |
| Conyers | $2,698 |
| Coolidge | $2,926 |
| Coosa | $4,197 |
| Cordele | $2,871 |
| Cornelia | $2,536 |
| Cotton | $4,283 |
| Country Club Estates | $3,115 |
| Covington | $2,553 |
| Crandall | $2,678 |
| Crawford | $2,463 |
| Crawfordville | $2,632 |
| Crescent | $4,253 |
| Culloden | $2,600 |
| Cumming | $2,526 |
| Cusseta | $2,881 |
| Cuthbert | $2,907 |
| Dacula | $2,445 |
| Dahlonega | $2,980 |
| Daisy | $2,967 |
| Dallas | $2,603 |
| Dalton | $2,652 |
| Damascus | $2,976 |
| Danielsville | $2,529 |
| Danville | $2,897 |
| Darien | $3,378 |
| Dasher | $2,709 |
| Davisboro | $2,867 |
| Dawson | $2,822 |
| Dawsonville | $2,634 |
| De Soto | $2,862 |
| Dearing | $2,847 |
| Decatur | $2,677 |
| Deenwood | $2,902 |
| Deepstep | $2,820 |
| Demorest | $2,563 |
| Denton | $2,884 |
| Dewy Rose | $2,688 |
| Dexter | $2,720 |
| Dillard | $2,505 |
| Dixie | $2,906 |
| Dock Junction | $3,522 |
| Doerun | $2,935 |
| Donalsonville | $2,960 |
| Doraville | $2,688 |
| Douglas | $3,014 |
| Douglasville | $2,745 |
| Dover | $4,235 |
| Druid Hills | $2,779 |
| Dry Branch | $2,769 |
| Du Pont | $2,950 |
| Dublin | $2,732 |
| Dudley | $2,713 |
| Duluth | $2,483 |
| Dunwoody | $2,558 |
| Dutch Island | $3,572 |
| East Dublin | $2,708 |
| East Ellijay | $2,796 |
| East Griffin | $2,703 |
| East Point | $2,917 |
| Eastanollee | $2,644 |
| Eastman | $2,973 |
| Eatonton | $2,519 |
| Eden | $3,021 |
| Edison | $2,981 |
| Elberton | $2,690 |
| Elko | $2,777 |
| Ellabell | $3,174 |
| Ellaville | $2,820 |
| Ellenton | $3,015 |
| Ellenwood | $2,923 |
| Ellerslie | $2,929 |
| Ellijay | $2,772 |
| Emerson | $2,676 |
| Enigma | $3,048 |
| Epworth | $2,713 |
| Esom Hill | $4,272 |
| Eton | $2,640 |
| Euharlee | $2,672 |
| Evans | $2,639 |
| Experiment | $2,698 |
| Fair Oaks | $2,724 |
| Fairburn | $2,711 |
| Fairmount | $2,944 |
| Fairview | $2,569 |
| Fargo | $2,921 |
| Farmington | $2,645 |
| Fayetteville | $2,681 |
| Felton | $4,067 |
| Fitzgerald | $3,011 |
| Fleming | $3,168 |
| Flemington | $3,296 |
| Flintstone | $2,754 |
| Flovilla | $2,508 |
| Flowery Branch | $2,492 |
| Folkston | $2,928 |
| Forest Park | $2,954 |
| Forsyth | $2,592 |
| Fort Gaines | $2,901 |
| Fort Moore | $3,095 |
| Fort Oglethorpe | $2,621 |
| Fort Stewart | $3,250 |
| Fort Valley | $2,780 |
| Fortson | $2,906 |
| Fowlstown | $4,161 |
| Franklin | $2,889 |
| Franklin Springs | $2,560 |
| Funston | $2,963 |
| Gainesville | $2,585 |
| Garden City | $3,443 |
| Garfield | $2,965 |
| Gay | $2,982 |
| Geneva | $2,806 |
| Georgetown | $3,634 |
| Gibson | $3,054 |
| Gillsville | $2,563 |
| Girard | $3,058 |
| Glenn | $4,210 |
| Glennville | $3,251 |
| Glenwood | $2,898 |
| Good Hope | $2,485 |
| Gordon | $2,774 |
| Gough | $4,197 |
| Gracewood | $4,286 |
| Grantville | $2,899 |
| Gray | $2,619 |
| Grayson | $2,489 |
| Graysville | $2,625 |
| Greensboro | $2,581 |
| Greenville | $2,966 |
| Gresham Park | $2,869 |
| Griffin | $2,714 |
| Grovetown | $2,663 |
| Gumlog | $2,592 |
| Guyton | $3,114 |
| Haddock | $2,594 |
| Hagan | $2,978 |
| Hahira | $2,669 |
| Hamilton | $2,913 |
| Hampton | $2,752 |
| Hannahs Mill | $2,831 |
| Hapeville | $3,035 |
| Haralson | $4,098 |
| Hardwick | $2,743 |
| Harlem | $2,684 |
| Harrison | $2,832 |
| Hartsfield | $2,931 |
| Hartwell | $2,579 |
| Hawkinsville | $2,853 |
| Hazlehurst | $2,990 |
| Helen | $2,538 |
| Helena | $2,926 |
| Hephzibah | $3,002 |
| Hiawassee | $2,585 |
| High Shoals | $3,972 |
| Hillsboro | $2,682 |
| Hinesville | $3,243 |
| Hiram | $2,636 |
| Hoboken | $2,983 |
| Hogansville | $3,011 |
| Holly Springs | $2,590 |
| Homer | $2,560 |
| Homerville | $2,973 |
| Hortense | $3,018 |
| Hoschton | $2,440 |
| Howard | $2,871 |
| Hull | $2,509 |
| Ideal | $2,836 |
| Ila | $3,901 |
| Indian Springs | $2,684 |
| Iron City | $2,978 |
| Irondale | $2,933 |
| Irwinton | $2,899 |
| Isle of Hope | $3,564 |
| Ivey | $2,796 |
| Jackson | $2,560 |
| Jacksonville | $2,965 |
| Jakin | $2,942 |
| Jasper | $2,781 |
| Jefferson | $2,482 |
| Jeffersonville | $2,760 |
| Jekyll Island | $3,994 |
| Jenkinsburg | $2,605 |
| Jersey | $4,023 |
| Jesup | $2,963 |
| Jewell | $2,802 |
| Johns Creek | $2,476 |
| Jonesboro | $2,915 |
| Juliette | $2,646 |
| Junction City | $2,845 |
| Kathleen | $2,849 |
| Kennesaw | $2,605 |
| Keysville | $3,022 |
| Kings Bay | $3,101 |
| Kings Bay Base | $3,458 |
| Kingsland | $3,178 |
| Kingston | $2,646 |
| Kite | $2,864 |
| Knoxville | $2,862 |
| LaFayette | $2,749 |
| Lagrange | $2,999 |
| Lake City | $2,899 |
| Lake Park | $2,729 |
| Lakeland | $2,981 |
| Lakemont | $2,498 |
| Lakeview | $2,593 |
| Lakeview Estates | $2,601 |
| Lavonia | $2,543 |
| Lawrenceville | $2,599 |
| Leary | $2,906 |
| Lebanon | $3,839 |
| Leesburg | $2,714 |
| Lenox | $3,019 |
| Leslie | $2,809 |
| Lexington | $2,488 |
| Lilburn | $2,579 |
| Lilly | $2,788 |
| Lincoln Park | $2,834 |
| Lincolnton | $2,669 |
| Lindale | $2,809 |
| Lithia Springs | $2,783 |
| Lithonia | $3,131 |
| Lizella | $2,857 |
| Locust Grove | $2,736 |
| Loganville | $2,528 |
| Lookout Mountain | $2,749 |
| Louisville | $2,991 |
| Louvale | $3,034 |
| Lovejoy | $2,774 |
| Ludowici | $2,815 |
| Lula | $2,583 |
| Lumber City | $2,939 |
| Lumpkin | $3,152 |
| Luthersville | $2,928 |
| Lyerly | $2,857 |
| Lyons | $2,985 |
| Mableton | $2,727 |
| Macon | $2,843 |
| Madison | $2,485 |
| Manassas | $2,882 |
| Manchester | $2,985 |
| Manor | $2,898 |
| Mansfield | $2,506 |
| Marble Hill | $2,745 |
| Marietta | $2,719 |
| Marshallville | $2,726 |
| Martin | $2,652 |
| Martinez | $2,630 |
| Matthews | $2,940 |
| Mauk | $2,952 |
| Maxeys | $2,521 |
| Maysville | $2,569 |
| Mc Intyre | $2,821 |
| McCaysville | $2,743 |
| Mcdonough | $2,756 |
| McRae | $2,899 |
| Meansville | $2,640 |
| Meigs | $2,917 |
| Meldrim | $2,981 |
| Menlo | $2,814 |
| Meridian | $3,218 |
| Mershon | $2,979 |
| Mesena | $4,070 |
| Metter | $2,912 |
| Midland | $3,013 |
| Midville | $3,132 |
| Midway | $3,338 |
| Milan | $2,995 |
| Milledgeville | $2,813 |
| Millen | $3,010 |
| Millwood | $2,979 |
| Milner | $2,717 |
| Milton | $2,493 |
| Mineral Bluff | $2,684 |
| Mitchell | $3,046 |
| Molena | $2,795 |
| Monroe | $2,522 |
| Montezuma | $2,800 |
| Montgomery | $3,557 |
| Monticello | $2,621 |
| Montrose | $2,727 |
| Moody AFB | $3,921 |
| Moreland | $2,770 |
| Morgan | $2,912 |
| Morganton | $2,733 |
| Morris | $2,851 |
| Morrow | $2,888 |
| Morven | $2,903 |
| Moultrie | $2,947 |
| Mount Airy | $2,616 |
| Mount Berry | $4,209 |
| Mount Vernon | $2,910 |
| Mount Zion | $2,633 |
| Mountain City | $2,555 |
| Mountain Park | $2,580 |
| Murrayville | $2,526 |
| Musella | $2,846 |
| Mystic | $3,944 |
| Nahunta | $3,023 |
| Nashville | $3,070 |
| Naylor | $2,744 |
| Nelson | $4,088 |
| Newborn | $2,510 |
| Newington | $2,947 |
| Newnan | $2,837 |
| Newton | $2,958 |
| Nicholls | $3,017 |
| Nicholson | $2,411 |
| Norcross | $2,645 |
| Norman Park | $2,942 |
| Norristown | $2,796 |
| North Atlanta | $2,612 |
| North Decatur | $2,535 |
| North Druid Hills | $2,618 |
| North Metro | $3,946 |
| Norwood | $2,697 |
| Nunez | $2,931 |
| Oakfield | $2,811 |
| Oakman | $4,125 |
| Oakwood | $2,499 |
| Ochlocknee | $2,865 |
| Ocilla | $2,900 |
| Oconee | $2,801 |
| Odum | $2,964 |
| Offerman | $4,221 |
| Oglethorpe | $2,797 |
| Oliver | $4,192 |
| Omaha | $3,099 |
| Omega | $2,981 |
| Orchard Hill | $4,083 |
| Oxford | $2,641 |
| Palmetto | $2,764 |
| Panthersville | $3,045 |
| Parrott | $2,742 |
| Patterson | $3,026 |
| Pavo | $2,880 |
| Peachtree City | $2,665 |
| Peachtree Corners | $2,473 |
| Pearson | $3,108 |
| Pelham | $3,041 |
| Pembroke | $3,186 |
| Pendergrass | $2,429 |
| Perkins | $3,062 |
| Perry | $2,784 |
| Phillipsburg | $2,930 |
| Pine Lake | $2,660 |
| Pine Mountain | $2,998 |
| Pine Mountain Valley | $2,920 |
| Pinehurst | $2,828 |
| Pineview | $2,873 |
| Pitts | $2,901 |
| Plains | $2,835 |
| Plainville | $2,988 |
| Pooler | $3,332 |
| Port Wentworth | $3,407 |
| Portal | $2,974 |
| Porterdale | $2,557 |
| Poulan | $2,812 |
| Powder Springs | $2,571 |
| Pulaski | $3,981 |
| Putney | $2,800 |
| Quitman | $2,915 |
| Rabun Gap | $2,574 |
| Ranger | $3,043 |
| Raoul | $2,611 |
| Ray City | $3,002 |
| Rayle | $2,660 |
| Rebecca | $2,854 |
| Red Oak | $4,040 |
| Redan | $3,051 |
| Reed Creek | $2,576 |
| Register | $2,978 |
| Reidsville | $3,075 |
| Remerton | $2,691 |
| Rentz | $2,704 |
| Resaca | $2,834 |
| Rex | $2,887 |
| Reynolds | $2,922 |
| Rhine | $2,949 |
| Riceboro | $3,261 |
| Richland | $3,132 |
| Richmond Hill | $3,299 |
| Rincon | $3,139 |
| Ringgold | $2,698 |
| Rising Fawn | $2,818 |
| Riverdale | $2,979 |
| Roberta | $2,849 |
| Robins AFB | $2,740 |
| Rochelle | $2,903 |
| Rock Spring | $2,692 |
| Rockledge | $2,755 |
| Rockmart | $2,960 |
| Rocky Face | $2,653 |
| Rocky Ford | $2,979 |
| Rome | $2,861 |
| Roopville | $2,716 |
| Rossville | $2,555 |
| Roswell | $2,489 |
| Royston | $2,574 |
| Rupert | $2,945 |
| Russell | $2,470 |
| Rutledge | $2,514 |
| Rydal | $2,719 |
| Sale City | $3,015 |
| Sandersville | $2,821 |
| Sandy Springs | $2,588 |
| Sapelo Island | $3,343 |
| Sardis | $3,042 |
| Sargent | $2,799 |
| Sasser | $4,125 |
| Satilla | $3,005 |
| Sautee Nacoochee | $2,560 |
| Savannah | $3,623 |
| Scotland | $2,955 |
| Scottdale | $2,695 |
| Screven | $2,941 |
| Sea Island | $4,365 |
| Senoia | $2,865 |
| Seville | $4,091 |
| Shady Dale | $2,536 |
| Shannon | $2,878 |
| Sharon | $2,574 |
| Sharpsburg | $2,816 |
| Shellman | $2,857 |
| Shiloh | $2,881 |
| Siloam | $2,537 |
| Silver Creek | $2,837 |
| Skidaway Island | $3,511 |
| Sky Valley | $2,536 |
| Smarr | $3,704 |
| Smithville | $2,724 |
| Smyrna | $2,701 |
| Snellville | $2,526 |
| Social Circle | $2,506 |
| Soperton | $2,860 |
| Sparks | $2,995 |
| Sparta | $2,718 |
| Springfield | $3,103 |
| St. George | $2,881 |
| St. Marys | $3,765 |
| St. Simons | $4,132 |
| St. Simons Island | $3,934 |
| Stapleton | $2,955 |
| Statenville | $2,864 |
| Statesboro | $3,065 |
| Statham | $2,507 |
| Stephens | $2,503 |
| Stillmore | $2,931 |
| Stockbridge | $2,733 |
| Stockton | $2,862 |
| Stone Mountain | $2,774 |
| Suches | $2,587 |
| Sugar Hill | $2,480 |
| Sugar Valley | $2,937 |
| Summerville | $2,803 |
| Sumner | $2,796 |
| Sunny Side | $4,034 |
| Sunnyside | $2,879 |
| Surrency | $2,921 |
| Suwanee | $2,472 |
| Swainsboro | $3,047 |
| Sycamore | $2,900 |
| Sylvania | $2,984 |
| Sylvester | $2,796 |
| Talahi Island | $4,233 |
| Talbotton | $2,849 |
| Talking Rock | $2,829 |
| Tallapoosa | $2,661 |
| Tallulah Falls | $3,746 |
| Talmo | $2,440 |
| Tarrytown | $2,923 |
| Tate | $2,942 |
| Taylorsville | $2,730 |
| Temple | $2,699 |
| Tennga | $3,906 |
| Tennille | $2,826 |
| The Rock | $2,678 |
| Thomaston | $2,833 |
| Thomasville | $2,879 |
| Thomson | $2,851 |
| Thunderbolt | $3,774 |
| Tifton | $2,959 |
| Tiger | $2,615 |
| Tignall | $2,688 |
| Toccoa | $2,644 |
| Toccoa Falls | $2,685 |
| Toomsboro | $2,880 |
| Townsend | $3,439 |
| Trenton | $2,786 |
| Trion | $2,796 |
| Tucker | $2,609 |
| Tunnel Hill | $2,677 |
| Turin | $4,156 |
| Turnerville | $3,858 |
| Twin City | $3,038 |
| Ty Ty | $2,900 |
| Tybee Island | $4,017 |
| Tyrone | $2,602 |
| Unadilla | $2,835 |
| Union City | $2,905 |
| Union Point | $2,436 |
| Unionville | $2,932 |
| Upatoi | $3,026 |
| Uvalda | $2,836 |
| Valdosta | $2,768 |
| Varnell | $4,053 |
| Vidalia | $2,869 |
| Vienna | $2,801 |
| Villa Rica | $2,638 |
| Vinings | $2,779 |
| Waco | $2,662 |
| Wadley | $2,979 |
| Waleska | $2,691 |
| Walnut Grove | $2,557 |
| Walthourville | $3,255 |
| Waresboro | $4,075 |
| Warm Springs | $3,058 |
| Warner Robins | $2,705 |
| Warrenton | $2,807 |
| Warthen | $2,835 |
| Warwick | $2,799 |
| Washington | $2,663 |
| Watkinsville | $2,410 |
| Waverly | $3,124 |
| Waverly Hall | $2,905 |
| Waycross | $2,893 |
| Waynesboro | $3,055 |
| Waynesville | $2,973 |
| Webster County | $2,932 |
| West Green | $2,990 |
| West Point | $3,005 |
| Weston | $2,925 |
| Whigham | $2,968 |
| White | $2,675 |
| White Oak | $3,108 |
| White Plains | $2,615 |
| Whitemarsh Island | $4,210 |
| Whitesburg | $2,702 |
| Wildwood | $2,801 |
| Wiley | $2,612 |
| Willacoochee | $3,103 |
| Williamson | $2,767 |
| Wilmington Island | $4,204 |
| Winder | $2,478 |
| Winston | $2,776 |
| Winterville | $2,409 |
| Woodbine | $3,226 |
| Woodbury | $3,021 |
| Woodland | $2,811 |
| Woodstock | $2,616 |
| Wray | $2,815 |
| Wrens | $3,055 |
| Wrightsville | $2,844 |
| Yatesville | $2,714 |
| Young Harris | $2,592 |
| Zebulon | $2,771 |
Additional home insurance coverages needed in Georgia
Tornadoes, floods and hurricanes are common in Georgia. A standard home insurance policy may cover some of these events, but you’ll need separate coverage for others.
Flood insurance
Home insurance policies do not include flood coverage, but you can buy flood insurance separately. Flood insurance is offered through the National Flood Insurance Program (NFIP). The NFIP partners with insurance companies to service flood insurance. You can also get private flood insurance from insurance companies.
Tornado insurance
Standard home insurance policies usually cover wind damage. This means they cover most tornado damage, too.
You may have to pay a windstorm deductible before your insurer pays out a claim, though. In 19 states as well as Washington, D.C., homeowners must pay deductibles for wind damage. Also, in some states or regions that are prone to strong winds, home insurance may exclude wind coverage. In this case, you’ll need to buy windstorm insurance.
Hurricane insurance
If a hurricane damages your home, a standard home insurance policy may cover the damage caused by wind. It won’t cover damage from flooding, though. For that, you need a flood insurance policy.
Methodology
Ratings include satisfaction scores from J.D. Power’s 2023 U.S. Home Insurance Study and 2023 complaint data from the National Association of Insurance Commissioners (NAIC).
The rates shown in this article are based on non-binding quotes collected from Quadrant Information Services. Your rates may vary. Average rates were compiled from rates in Georgia. The following coverages and deductible were used unless otherwise noted:
- $400,000 dwelling coverage
- $40,000 other structures
- $200,000 personal property
- $80,000 loss of use coverage
- $100,000 liability
- $5,000 medical payments
- $1,000 deductible