Georgia Homeowners Insurance Coverage
Whether you live in a brand-new home on Atlanta’s outskirts or a lovingly restored one in Athens, a Farmers Smart Plan Home® policy can help you protect it, with discounts offering ways to save.
How much does homeowners insurance generally cost in Georgia?
The average premium for home insurance coverage in Georgia is $1,403 per year1, according to a 2020 report (the most recent data available) by the National Association of Insurance Commissioners (NAIC). That compares to a national average of $1,311 a year, according to the same report. However, insurance costs in most states have changed since then. Also, the amount you pay may be different depending on things like the value and age of your home, how much personal property you want to cover, what deductible you choose and risks specific to your area.
Is homeowners insurance required in Georgia?
No, homeowners insurance is not required by law in Georgia. However, in order to get a home loan, your mortgage lender will likely require you to obtain a certain amount of insurance coverage.
What does homeowners insurance cover in Georgia?
Every policy is different, but home insurance policies in Georgia typically come with several standard coverages.
- Dwelling (Coverage A). This coverage helps you pay for damage to your home from a covered event, such as a fire, windstorm, lightning or hail.
- Other structures (Coverage B). This coverage is intended to help cover structures that aren’t connected to your home, like a fence or shed.
- Personal property (Coverage C). This coverage helps you repair or replace your personal belongings if they are stolen or damaged.
- Loss of use, or additional living expense coverage (Coverage D). This coverage can help you pay to stay somewhere else if your home is uninhabitable due to covered damage.
- Personal liability (Coverage E). This coverage helps pay for accidental property damage or injuries you cause through negligence.
Typical home insurance policies in Georgia cover damage caused by:
- Vandalism and theft
- Lightning strikes
- Falling objects
- The weight of snow or ice
Flooding, a common risk in parts of Georgia, is not covered. However, special flood insurance through the National Flood Insurance Program (NFIP) may be available.
Home insurance coverage options in Georgia
Farmers Smart Plan Home in Georgia offers you three highly customizable packages as a starting point:
- Standard — Reduced coverage for a reduced price
- Enhanced — Provides higher coverage limits and extra features
- Premier — Comes with the highest coverage limits and greatest choice of features
Within each package, you have the flexibility to adjust coverage types and limits so that your home could be covered the way you want.
Georgia home insurance discounts
Farmers® offers a variety of savings opportunities for eligible home insurance customers in Georgia, including:
- Protective devices
See more information and additional discounts that may be available in Georgia.
See a list of potential home insurance discounts. Not all listed discounts are available in Georgia.
Georgia’s state bird is long (almost a foot from head to tail tip) and doesn’t want anyone or anything to disturb its nest. It will strike intruders hard enough to draw blood. — All About Birds
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1 Based on average premium for HO-3 type open perils homeowners policies.