Georgia Home Insurance: Costs, Coverage and How to Save
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Georgia is no stranger to weather and climate disasters, from hurricanes to severe named storms. For homeowners, that means having the right coverage isn’t just a smart financial move, it’s a necessity.
Bundling your home and car insurance is easy with Jerry. It’s free to compare quotes and we’ll help you switch insurers once you’re ready, all online. Plus, our licensed agents are just a call away if you’d rather talk to a real person.
Based on cheapest quotes shown for all Jerry customers in the last 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Bundle home + car and save up to 40%.
What Georgia homeowners pay right now
Home insurance costs in Georgia are shaped by your home’s age and rebuild cost, your claims history and other factors, including how exposed your property is to severe storms, hail and hurricanes.
Based on home insurance quotes for Jerry customers in the last 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Jerry can help you find competitive prices and strong coverage regardless of your specific situation. Take a look at some recent examples below of real customers who saved by bundling their home insurance with Jerry:
Recent bundling quotes
Based on Jerry customers who found savings in the past 45 days. Savings depend on coverage and other factors. Potential savings will vary.
Key takeaway: Home insurance rates in Georgia depend on things like your home’s age, rebuild costs and exposure to severe weather, but shopping around can help you save.
Mix and match home and car insurance with Jerry
One of the smartest ways to save on home insurance in Georgia is bundling with your car insurance. Combining home and auto insurance with the same carrier can save you a significant amount. Depending on the insurer, bundling discounts typically range from 5%-25%, but with Jerry they could be as high as 40% off both policies combined.
Here’s what makes Jerry different: You don’t have to use the same insurer for both.
Jerry’s mix-and-match approach lets you pair the best home insurance rate with the best auto insurance rate, even from different carriers. That way, you’re not overpaying on one policy just to get a bundle discount on the other.
Mix and match with Jerry to build your perfect bundle.
Best home insurance in Georgia
There’s no single “best” home insurance company in Georgia. It depends on your home, your budget and what kind of coverage you need. For example, homeowners in coastal areas like Savannah may need additional windstorm coverage, while those in metro Atlanta might prioritize hail and tornado protection.
That said, our data shows some clear trends among Georgia homeowners. Here are the most popular home insurance companies Jerry customers pick:
Based on home insurance quotes for Jerry customers in the last 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Why the variety? Georgia homeowners have different priorities. Some want the lowest premium, many care most about how claims are handled, and others look for strong digital tools or a local agent they can talk to.
Also check: The best car insurance in Georgia
Jerry recommends: The easiest way to find the right coverage is to compare home insurance quotes in the Jerry app. We find competitive quotes from top carriers in minutes, so you can find the best coverage at the right price.
Factors that affect home insurance costs in Georgia
From severe thunderstorms to hurricane season, where you live and what you own in Georgia plays a big role in what you pay. Here’s what stands out most and how to stay protected.
🌪️ Tornadoes and hail
Georgia sits squarely in what meteorologists sometimes call “Dixie Alley” for severe weather activity. NOAA has recorded 68 billion-dollar severe storm events affecting the state since 1980, making hail, tornadoes and high winds some of the biggest drivers of home insurance claims. Metro Atlanta, central Georgia and the Piedmont region are especially exposed to damaging hail and spring tornado outbreaks.
🌀 Hurricanes and tropical storms
Georgia has been affected by 27 tropical cyclone events since 1980. While the coastline around Savannah and the Golden Isles faces direct hurricane risk, tropical storms can push damaging winds and heavy rain deep inland. In 2024, Hurricane Helene devastated large parts of South Georgia and the Augusta area, delivering flooding rains and wind damage well into metro Atlanta.
🌊 Flood risk
Flooding affects both coastal and inland areas of Georgia. Major rainfall events can overwhelm drainage systems, particularly in metro Atlanta and low-lying river areas. Standard home insurance does not cover flood damage, so homeowners in flood-prone zones should look into a separate flood policy through the National Flood Insurance Program (NFIP) or a private insurer.
🏠 Roof age and condition
Your roof’s age is one of the biggest factors Georgia insurers look at when setting your rate. Many carriers now enforce a “15-year cliff,” refusing to renew policies for asphalt shingle roofs older than 15 years. Some companies have tightened standards even further, insuring roofs for as few as 5 to 10 years. Older roofs may only qualify for actual cash value coverage rather than full replacement cost, which can leave you paying more out of pocket after a claim.
💰 Rising rebuild costs
Construction costs have climbed significantly in recent years, according to NAHB.org, and Georgia is no exception. Your premium is heavily influenced by your home’s replacement cost, square footage and construction type. Rates also vary widely by location. Homes in high-cost areas like Buckhead, North Fulton County or along the coast will generally pay more.
Key takeaway: Georgia’s exposure to severe storms, hurricanes, flooding and rising rebuild costs all factor into your rate. Understanding what drives your premium helps you find the right coverage.
Get bundling quotes in minutes, no calls needed.
Get the right coverage without overpaying
For Georgia homeowners, the right mix of coverage can save money over time while keeping you protected when it counts.
Dwelling coverage is the core of your home insurance policy. It pays to repair or rebuild your home’s structure if it’s damaged by things like fire, wind, hail, lightning or vandalism.
Your dwelling coverage amount is based on your home’s rebuild cost — not its market value — as calculated by your insurer. Jerry can estimate your replacement cost right in the app, so you’ll know you’re covered for the right amount.
Here’s what Georgia homeowners typically pay based on their home’s rebuild value:
$150-299k
dwelling coverage
Typical for smaller homes, condos or older properties.
$300-499k
dwelling coverage
Covers most mid-range homes.
$500-749k
dwelling coverage
Typical for larger or newer homes.
$750k-1M
dwelling coverage
Common for high-value properties.
Key takeaway: Your dwelling coverage should match your home’s rebuild cost, not its market value. Jerry shows you real-time pricing at every level so you can find the right balance.
Learn more: What does home insurance cover?
4 ways to save on home insurance
Bundling your home policy with the cheapest car insurance in Georgia is one of the most effective ways to lower your premium, but it’s not the only one. Georgia homeowners have several options to reduce costs without cutting coverage. Here are four worth looking into.
Jerry Agent Tip 1: Compare quotes from multiple insurers
Every insurer prices coverage differently, which means the same home can cost hundreds less to insure depending on who you’re with. Georgia’s market includes a wide mix of national carriers and regional companies, so the price gap can be significant. Comparing quotes side-by-side with Jerry is the fastest way to find a better rate.
Recent quotes
Why it matters: Two Georgia homeowners with similar homes can still pay very different rates depending on their location, carrier and coverage details. Jerry shows you quotes side-by-side to help you find coverage that fits your home and budget.
Jerry Agent Tip 2: Stack discounts for a cheaper rate
From paying in full to getting security system credits, most homeowners qualify for at least a few discounts, and stacking them can add up to real savings. But insurers don’t always apply all of them, which is why Jerry automatically finds the discounts you qualify for.
Besides bundling, here are some common Georgia home insurance discounts:
🔒 Security system discount
Installing safety devices like alarms, smart home systems and deadbolts can qualify you for a lower rate. Many carriers offer protective device discounts of up to 15% when you combine security systems like advanced burglar protection and automatic water leak valves.
🆕 New home discount
Newer homes are less likely to have costly claims, and insurers reward that. Depending on the carrier, homes built within the last 10 to 15 years may qualify for savings of up to 15% for the first year you’re with an insurance company.
💨 Wind mitigation discount
Georgia’s exposure to hurricanes, severe thunderstorms and hail makes wind mitigation improvements especially valuable. Roof upgrades, storm shutters and reinforced connections can earn real credits. In some cases you could save up to 90% off the wind portion of your premium.
🎓 Claims-free discount
The longer you go without filing a claim, the more you save. Most insurers offer this discount after three or more claims-free years, with some offering savings of up to 20%.
🔧 Home renovation discount
Updated your electrical, plumbing or roof? Given Georgia’s strict roof age requirements, a new roof can make a big difference. Some carriers offer discounts when key systems have been replaced within the last 10 to 15 years, since modern systems reduce the risk of fire and water damage.
🏡 HOA or gated community discount
If your home is in a homeowners association or gated community, you may qualify for a lower premium. Insurers view these properties as lower risk due to added security and regular maintenance.
💳 Pay-in-full discount
Paying your full annual premium upfront instead of in monthly installments can earn you a discount with many carriers, typically between 5-10%.
⏳ Loyalty discount
Staying with the same insurer year after year can lead to increasing savings. Some carriers start rewarding loyalty after just one year, with discounts growing the longer you stay. But still, it never hurts to shop around when your policy is up for renewal.
📋 Quote-in-advance discount
Shopping early can pay off. Some insurers offer a discount of up to 15% when you get a quote before your previous policy expires.
🚭 Non-smoker discount
Since smoking increases the risk of house fires, some carriers offer lower rates to non-smoking households.
Key takeaway: Most homeowners qualify for multiple discounts, from bundling and security systems to claims-free credits. But insurers don’t always apply them automatically. Jerry can help you find all the discounts you’re eligible for to maximize your savings.
Jerry Agent Tip 3: Pick the right deductible
Your deductible — the amount you pay out of pocket before insurance kicks in — has a direct impact on your premium. According to the Insurance Information Institute, raising your deductible from $500 to $1,000 can reduce your premium by 10 to 25%, depending on your location, insurer and home’s replacement cost.
A higher deductible means a lower premium, but more out of pocket if you file a claim. To find the right balance:
- Check what you can afford out of pocket. If a $2,000 expense after a storm would be manageable, a higher deductible could save you hundreds a year. If it would strain your budget, stick with a lower one.
- Consider how often you’d actually file a claim. Most homeowners only file a claim once every 8 to 10 years, so the premium savings can add up long before you ever pay that deductible.
The Jerry difference: Jerry lets you compare quotes for different deductible amounts to see how it affects your home insurance costs.
Jerry Agent Tip 4: Improve your credit score
In Georgia, insurers can use credit-based insurance scores to help set your premium. Homeowners with good or excellent credit often save hundreds compared to those with fair or poor credit. Georgia law does include several consumer protections: insurers cannot deny, cancel or non-renew a policy based solely on credit information, and they cannot penalize you for lacking a credit card account.
Improving your credit isn’t an overnight fix, but even gradual improvements could lead to a lower rate at your next renewal. To boost your credit score, focus on paying bills on time, keeping credit card balances below 30% of your limit and avoiding new credit applications before shopping for insurance. Building your credit score could take some time, but most people see meaningful improvement within 3 to 6 months of consistent on-time payments and lower balances.
If your credit isn’t where you want it to be, don’t worry. Some insurers weigh credit less heavily than others, and Jerry can show you which carriers offer the best rates for your situation.
Key takeaway: The better your credit score, the lower your premium is likely to be. Georgia law provides some consumer safeguards around credit scoring, but improving your credit is still one of the best long-term strategies for paying less.
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FAQ
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💰 How much does home insurance cost in Georgia?
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🏠 Does Georgia require homeowners insurance?
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🌊 Does homeowners insurance cover flood damage inGeorgia?
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🌪️ Are tornadoes covered by homeowners insurance in Georgia?
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🏚️ How does my roof’s age affect my homeowners insurance in Georgia?
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📊 Does my credit score affect homeowners insurance rates in Georgia?
Ben Moore is a writer and editor at Jerry and an auto insurance expert. He previously worked as a writer, editor and content strategist on NerdWallet’s auto insurance team for five years. His work has been published in The Associated Press, Washington Post, Chicago Sun-Times, MarketWatch, Nasdaq and Yahoo News. He also served as a NerdWallet spokesperson, with appearances on local broadcast television and quotes in Martha Stewart and Real Simple magazine.
Ben has an extensive background in digital marketing, working on affiliate and programmatic advertising campaigns for brands like Cabela’s, H&R Block and Sears. He holds a bachelors degree in marketing from Olivet Nazarene University.