Popular Questions about Georgia Home Insurance

Georgia's average annual home insurance rate is $1,267, which is neck and neck with the national number of $1,211 per year. Your homeowners coverage may cost less or more than the averages, and quotes are necessary for custom pricing.

In Georgia, you aren't required to carry homeowners insurance by law. However, if you have a mortgage or lender on your property, they will mandate proof of home coverage to get a loan. Since Georgia had $1.78 billion paid in home claims in one year alone, the right policy is needed to avoid major out-of-pocket expenses.

When you're searching for homeowners insurance you want to work with the best. In Georgia, Progressive, Travelers, State Auto, and Nationwide insurance companies come highly rated. This is due to their excellent customer service and quick claims turnaround.

Georgia insurance companies look at the following risk factors when rating your home coverage:

  • Replacement cost of home
  • Coverages selected 
  • Disasters reported in the area
  • Past claims reported

Yes, Georgia has 500 independent insurance agencies to work with for your home coverage. A local expert will shop with dozens of carriers for free to get the best pricing and policy in town. 

Each carrier will offer unique savings and coverage options when it comes to your home insurance. Some limits you don't want to live without in Georgia are water/sewer back-up, waterline coverage, and flood insurance. Ways to offset the costs of these additional items include multiple policy, burglar alarm, and home update discounts.

Do You Know What Your Georgia Home Insurance Covers?

Find the Best Homeowners Insurance in Your City

How does your city measure up to the national average?

National average burglary rate 3.76 per 1,000 people

National average home value $269,000

National average home insurance cost $1,211 year

CityAnnual insurance costAvg. home valueBurglaries / 1,000 Residents
Albany$1,032$88,80015.08
Alpharetta$1,592$408,6003.75
Athens$1,184$178,0407.36
Atlanta$1,391$262,60012.03
Augusta$1,055$97,7357.22
Columbus$1,159$150,58117.95
Dalton$1,141$133,6465.29
Decatur$1,436$458,3715.87
Douglasville$1,261$186,0907.17
Duluth$1,290$206,6422.36
Gainesville$1,170$168,0054.95
Lawrenceville$1,024$159,5355.14
Macon$1,011$92,91421.86
Marietta$1,302$254,7096.13
Milledgeville$1,069$123,0209.71
Peachtree City$1,377$331,6931.24
Rome$947$127,3066.59
Roswell$1,420$345,4002.73
Savannah$1,118$146,4007.49
Smyrna$1,310$256,4174.63
Statesboro$1,098$130,5997.28
Suwanee$1,301$282,5314.4
Valdosta$1,021$124,7111.04
Warner Robins$981$105,9001.18
Woodstock$1,199$222,5854.1
  1. $116
  2. Atlanta, GA Monthly average home insurance cost
  3. The average monthly cost of home insurance in Atlanta is $116. 
  4. Several factors can influence how much you pay for your homeowners insurance policy. The value of your home pays a large role in the cost of your coverage. While the average home values in Atlanta exceed the state average, there is a wide variety within the city. Also, neighborhood crime can drive up rates; unfortunately, theft is fairly common in many parts of this city. Depending on your ZIP code, this could increase your premium.
  5. Home insurance is designed to cover you against the hazards you face as a homeowner. Consider the following example: In the middle of the night, you hear a sudden crash from downstairs. When you go investigate, an intruder flees in a hurry, taking some of your valuables with him. With a police report, your homeowners insurance can cover the cost to repair the damage to your home and can even pay to replace the items that were stolen.


  1. $97
  2. Columbus, GA Monthly average home insurance cost
  3. The average monthly cost of home insurance in Columbus is $97.
  4. Your premium could be higher or lower than this average. It all depends on the size, age, and value of your home, your neighborhood crime rate, your claims history, and several other factors. In Columbus, home prices are lower than the state average, but the burglary rate is very high. Depending on where you live within the city, this may have an adverse effect on your costs.
  5. Your home insurance is designed to cover you against the various risks you face as a homeowner. Consider the following scenario: As a heavy storm passes over Columbus, steady rain begins to seep through a small hole in your roof. Water starts to accumulate in your attic and then drip down through the attic floor into your bedroom. Water damage is a serious problem, and it can happen quickly. Your homeowners insurance may cover the cost to repair your roof and any damage to your attic and living areas.


  1. $88
  2. Augusta, GA Monthly average home insurance cost
  3. The average monthly cost of home insurance in Augusta is $88.
  4. Your home insurance could be more or less than this average. Premiums vary based on factors like your ZIP code, the size and age of your home, and your credit score. In Augusta, home values are relatively low, so homeowners need less coverage. This drives rates down. However, the burglary rate is higher than the state average, so depending on where in Augusta you live, it might make your rates a little higher.
  5. Imagine this scenario: One minute, you're folding laundry, and the next you're dealing with a sudden rush of water from a burst pipe on your washing machine. Water damage can happen quickly, but your homeowners insurance is designed to pay for most repairs. 


  1. $93
  2. Savannah, GA Monthly average home insurance cost
  3. The average monthly cost of home insurance in Savannah is $93. 
  4. Every homeowner will have a personalized premium that is based on the size and location of their home, their credit score, the property crime rate within their ZIP code, and several other factors. Your quoted premium could therefore be significantly higher or lower than this amount.
  5. In Savannah, overall home values are lower than the state average and burglary rates are just a bit higher. This is why on average, homeowners in the city pay less than the state average for their coverage. Your home insurance is designed to cover you against loss and damage caused by property crimes, severe weather, and accidents like fire. It takes only a small spark to cause a roaring house fire. If your Savannah home catches fire, your home insurance can cover the cost to rebuild your home or repair the damage.


  1. $99
  2. Athens, GA Monthly average home insurance cost
  3. The average monthly cost of home insurance in Athens is $99.
  4. The cost for homeowners insurance can vary from one property to the next. It all depends on things like your credit score, previous claims history, and the age, value, and square footage of your home. In this city, higher-than-average property values and burglary rates each play a role in causing higher rates for many residents.
  5. Home insurance is designed to cover the cost of loss and damage caused by hazards that are likely to strike in Athens. One example is tornadoes. Imagine for a moment that a twister has just traveled through Athens, leaving behind a trail of damage across your neighborhood. The wind has caused serious problems for your home, ripping off a large section of your roof and blowing over a tree that has fallen through the kitchen window. Home insurance can pay to repair damage after a tornado touches down in Athens.


  1. $120
  2. Decatur, GA Monthly average home insurance cost
  3. The average monthly cost of home insurance in Decatur is $120.
  4. There are several variables that will impact your customized rate for homeowners insurance, including the size of your home, your home's building materials, the local crime rate, and your credit score. In Decatur, where some of the state’s most expensive homes can be found, the insurance rates to cover these homes is on the high side. Fortunately, the relatively low crime rate helps to keep these costs affordable.
  5. Your Decatur home insurance policy is designed to cover your financial losses resulting from most cases of inclement weather, property crimes, and even many liability lawsuits. Be aware, however, that flood damage coverage is not included in home insurance, so you will need to purchase a separate flood insurance policy to be covered against this risk.


  1. $84
  2. Macon, GA Monthly average home insurance cost
  3. The average monthly cost of homeowners insurance in Macon is $84. 
  4. Your home insurance could cost more or less, based on variables like your credit score, the size and age of your home, and the building materials from which your house was constructed. Home values are relatively low in this city, but the burglary rate is exceedingly high. This can force rates for coverage higher in some ZIP codes.
  5. Macon homeowners insurance can cover financial losses brought about by a wide variety of hazards that residents in this area face. Summer storms in Macon are sometimes severe, and high winds and lightning put area homes at risk for damage. Fortunately, you can file a claim with your homeowners insurance to cover the cost of repairs. 


  1. $118
  2. Roswell, GA Monthly average home insurance cost
  3. The average monthly cost of homeowners insurance in Roswell is $118.
  4. Every homeowner in Roswell will have a customized home insurance premium based on a variety of factors, including the size and age of the home, the neighborhood crime rate, and the applicant’s credit score. Property values in this city are high, and higher coverage needs result in higher prices. Fortunately, the city’s low crime rates help to keep insurance costs affordable for most residents.
  5. A Roswell home insurance policy can cover a homeowner against a wide variety of hazards, such as inclement weather. When serious storms pass through Roswell, they occasionally deliver hail. This can lead to major damage to your home's roof. If you discover missing shingles or a leak in your roof after a hailstorm, file a claim and your homeowners insurance will cover the cost of roof repairs.


  1. $86
  2. Albany, GA Monthly average home insurance cost
  3. The average monthly cost of homeowners insurance in Albany is $86.
  4. Your home insurance cost might be a little more or less than the average. It all depends on several factors like your home's age, size and location, and personal factors like your credit score. Albany house values are lower than average for the state, and this keeps insurance costs on the low side, as less coverage is needed to enable rebuilding in the event of a total loss. Unfortunately, the high burglary rate in this city can drive up costs in some of the city’s ZIP codes.
  5. Your Albany home insurance can cover against losses caused by property crime and certain liability lawsuits. Most importantly, however, it covers against most inclement weather hazards. Whether it's from a tornado or a tropical storm, wind damage can be a serious threat for Albany homes. Homeowners insurance gives you a backup plan. If your home is damaged by wind, you can file a claim to get the money you need to repair your roof or replace broken glass in your windows.


  1. $108
  2. Duluth, GA Monthly average home insurance cost
  3. The average monthly cost of homeowners insurance in Duluth is $108. 
  4. Multiple factors can impact your homeowners insurance premiums. Your home's square footage and building materials, the neighborhood crime rate, and even your credit score can influence how much you end up paying for coverage. Property values are high in Duluth, so residents need a lot of coverage. Fortunately, the low crime rate in the city helps to keep the cost of this extra coverage affordable.
  5. You have invested a lot in your house. Your home insurance policy is designed to protect your finances if your house is damaged by a covered event such as high winds, accidental fires, and property crimes. One thing that it does not cover, however, is flood damage.