Popular QuestionsPopular Questions about Georgia Home Insurance

How much does Georgia home insurance cost? $1,152

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.

georgia home insurance cost chart
What does my Georgia home insurance do for me?

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

  • Example: A tree falls on your house, and rain ruins your 60" Samsung TV.

Pays for someone else's injuries or property damage when it's your fault

  • Example: Your kid is playing baseball and accidentally smacks the ball through your neighbor's window.

Pays for temporary living expenses when your home is damaged

  • Example: You need a hotel while your house's roof is being repaired due to a fallen tree.
Will I actually use my Georgia homeowners insurance?

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.

How is my Georgia homeowners insurance calculated?

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.

Crime:

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.

  • Average number of burglaries per 1,000 homes in GA: 6.14
  • Average number of burglaries per 1,000 homes in the U.S.: 4.69

Weather:

Weather in Georgia can cause a lot of difficulties for local homeowners. Of particular significance are hurricane-force winds, tornadoes and severe storms.

  • Number of federally declared disasters since 1953: 79
  • Most common cause of disasters in the state: Severe Storms
  • Average number of tornadoes in the state each year: 29.4
  • Amount paid in home insurance claims in 2016: $1,773,172,000

Home Values:

The estimated cost to rebuild your home will play a large role in how much your home insurance costs. In Georgia, the average home value is lower than the national average, and this can help keep insurance costs from spiraling out of control, despite the crime and weather-related risks.

  • Average home value in GA: $166,800
  • Average home value in the US: $188,900
Are there any independent agents in Georgia?

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.

What’s the best insurance company in Georgia?

An independent agent compares policies from multiple companies to find you the best coverage for your needs and budget. Here are some companies our agents will use in Georgia: 

travelers logo
donegal insurance group
safeco insurance
mercury insurance

InformationFind the Best Insurance in Your City

Now, let's take a quick peek at what’s going on in your city. Insurance companies look at a lot of factors when determining home insurance costs. One of many factors is location. Crime rates, weather catastrophes and the overall cost of your home will also factor into how much your home insurance will cost.

How does your city measure up to the national average?

  • National average home insurance cost – $1,173 / year
  • National average burglary rate per 1,000 homes – 4.69
  • National average home value - $188,900


CityAvg. Monthly Cost for Home InsuranceAvg. Yearly Cost for Home InsuranceAvg. Home ValueBurglary Rate per 1,000 Homes
Atlanta$116$1,391$262,60012.03
Columbus$97$1,159$150,58117.95
Augusta$88$1,055$97,7357.22
Savannah$93$1,118$146,4007.49
Athens$99$1,184$178,0407.36
Decatur$120$1,436$458,3715.87
Macon$84$1,011$92,91421.86
Roswell$118$1,420$345,4002.73
Albany$86$1,032$88,80015.08
Duluth$108$1,290$206,6422.36
Statesboro$92$1,098$130,5997.28
Dalton$95$1,141$133,6465.29
Douglasville$105$1,261$186,0907.17
Warner Robins$82$981$105,9001.18
Alpharetta$133$1,592$408,6003.75
Marietta$109$1,302$254,7096.13
Valdosta$85$1,021$124,7111.04
Smyrna$109$1,310$256,4174.63
Lawrenceville$85$1,024$159,5355.14
Rome$79$947$127,3066.59
Peachtree City$115$1,377$331,6931.24
Gainesville$98$1,170$168,0054.95
Milledgeville$89$1,069$123,0209.71
Woodstock$100$1,199$222,5854.10
Suwanee$108$1,301$282,5314.40

Atlanta, GA Home Insurance

The average monthly cost of home insurance in Atlanta is $116. 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.

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.

Instead of purchasing insurance from a direct carrier or a specific company, work with an independent agent. This will give you the chance to explore quotes from multiple companies so you have more options and a better chance of finding affordable, reliable insurance for your home.

Columbus, GA Home Insurance

Residents of Columbus pay an average of $97 per month for their homeowners insurance. 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.

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.

Buying insurance from a specific carrier limits your options, but independent insurance agents can offer quotes on multiple policies. The more choices you have, the more likely you will be to find the best coverage for your needs.

Augusta, GA Home Insurance

On average, Augusta homeowners pay $88 per month for their home insurance coverage. 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.

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. Let a local independent agent help you determine if the policy you are purchasing adequately covers you against all the hazards you face as a homeowner in Augusta.

Independent agents can provide you with quotes from multiple policies and companies. This freedom opens up more possibilities when you're shopping for affordable home insurance and ultimately helps you save money while getting the best coverage for your home. 

Savannah, GA Home Insurance

The average monthly cost of home insurance in Savannah is $93. 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.

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.

To get the most affordable rates on home insurance in Savannah, enlist the help of an independent insurance agent. Our agents can provide quotes from multiple carriers, giving you better coverage options when you need reliable coverage for your home.

Athens, GA Home Insurance

Residents of Athens pay an average of $99 per month for their homeowners insurance coverage. The cost for homeowners insurance can vary from one property to the next. It all depends on such things as 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.

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 tornados. 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.

When you work with an independent agent, you'll have the opportunity to browse quotes from multiple carriers. Ultimately, independent insurance agents can provide you with the best deals on reliable homeowners insurance coverage.

Decatur, GA Home Insurance

On average, residents of Decatur pay $120 per month for their homeowners insurance coverage. There are several variables that will impact your customized rate for homeowners insurance: 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.

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. Your local independent insurance agent can help you obtain this important coverage.

When you purchase a home insurance plan directly from a carrier, your options are very limited. However, an independent agent has the freedom to quote from multiple policies and carriers, giving you more choices in your search for the right coverage for your needs.

Macon, GA Home Insurance

The average monthly cost of homeowners insurance in Macon is $84. 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.

Macon homeowners insurance can cover financial losses brought about by a wide variety of hazards that residents in this area face. For example, 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. Let a local independent insurance agent help you review your policy to make sure that you are covered against all the hazards you are up against.

Unlike agents who work directly for an insurance carrier, independent agents have the freedom to give quotes from multiple companies. This means you'll have a wider range of options and a better chance to find affordable coverage that you can rely on.

Roswell, GA Home Insurance

Residents of Roswell pay an average of $118 per month for their homeowners insurance coverage. Every homeowner in Roswell will have a customized home insurance premium based on a variety of factors including such things as 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.

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.

To get the best rates on reliable homeowners insurance in Roswell, choose an independent agent who can provide quotes on multiple policies. This gives you a chance to compare rates without being locked into one carrier.

Albany, GA Home Insurance

On average, homeowners in Albany pay $86 a month for their home insurance coverage. 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, as well as 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.

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.

Unlike a specific carrier or an agent who works for a specific company, an independent agent has the freedom to quote multiple companies. The agent will make sure you receive the best home insurance for your needs.

Duluth, GA Home Insurance

The average monthly cost of homeowners insurance in Duluth is $108. 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.

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 heavy winds, accidental fires, and property crimes. One thing that it does not cover, however, is flood damage. Be sure to talk to an independent insurance agent for information about how you can get coverage against this expensive hazard.

As you shop for the best rates on Duluth homeowners insurance, make sure you work with an independent agent. Unlike agents who work directly for carriers, an independent insurance agent can provide quotes from multiple carriers and give you more options. This means you'll have better luck finding a policy that meets your needs.