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What type of insurance do you need?
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They understand your risks and will find you the coverage you need.
The average American homeowner pays $1,173 per year for home insurance, and in Georgia, the average annual premium is $1,152. Even though insurance rates are slightly lower than average in this state, that doesn’t mean you don’t have room for savings. An independent insurance agent can help you find the right coverage at a competitive rate.
Your home insurance gives you a backup plan in case a catastrophe strikes in your neighborhood. Whether it's a fire, heavy winds or a burglary, you're covered if you have a suitable Georgia homeowners insurance policy.
Pays for repairs to your home and your belongings
Pays for someone else's injuries or property damage when it's your fault
Pays for temporary living expenses when your home is damaged
We can’t be 100% certain, but last year insurance companies spent more than $1.77 billion on home insurance claims in Georgia. That's a lot of unfortunate events happening to Georgia homeowners.
Insurance carriers calculate the cost of a home insurance policy by asking "how likely is it that something bad will happen?" The more likely it is that something bad will happen, the more expensive the home insurance policy will be, and vice versa. We call these potential disasters "risk." Let’s take a look at how risky Georgia is compared to the rest of the US.
The crime rate in Georgia exceeds the national average, and this can cause insurance rates to spike for homeowners who live in ZIP codes where burglary is rampant.
Weather in Georgia can cause a lot of difficulties for local homeowners. Of particular significance are hurricane-force winds, tornadoes and severe storms.
Yes! There are currently 500 independent insurance agents in Georgia who are ready to help. Did you know that independent insurance agents can give you multiple policy options to choose from? That way, you'll receive completely customized coverage that addresses all of your unique insurance needs.
National average burglary rate 4.69 per 1,000 homes
National average home value $188,900
National average home insurance cost $1,173 year
|City||Annual insurance cost||Avg. home value||Burglaries / 1,000 homes|