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 FlexSM Personal Home policy can help you protect it, with discounts offering ways to save.

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How much does homeowners insurance generally cost in Georgia?

The average premium for home insurance coverage in Georgia is $1,362 per year1 , according to a 2019 report (the most recent data available) by the National Association of Insurance Commissioners (NAIC). That compares to a national average of $1,272 a year, according to 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:

  • Fire
  • Vandalism and theft
  • Lightning strikes
  • Wind
  • Hail
  • Explosions
  • 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.

Farmers Flex Personal Home coverage in Georgia

Beyond the basic coverages, Farmers Flex Personal Home offers a wide range of options that let you customize your policy, such as:

  • Guaranteed Replacement Cost
  • Water Backup and Sump Overflow
  • Emergency Mortgage Assistance
  • Declining Deductibles
  • Claim Forgiveness

Learn more about Farmers Flex Personal Home policies

Georgia home insurance discounts

Farmers® offers a variety of savings opportunities for eligible home insurance customers in Georgia, including:

  • Welcome Discount
  • Home Buyer Discount
  • Multi-Policy Discount
  • Loyalty Discount
  • Claim Free Discount

See more information and additional discounts that may be available in Georgia.

Brown Thrasher

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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Learn From Experience

Read real-life stories about insurance, renovations, home safety and more from pros and homeowners like you.


Why Did My Homeowners Insurance Go Up?

Inflation, construction costs, climate change and other trends that impact rising home insurance premiums.

I Lost My Wedding Ring on the Golf Course, Do I Have Coverage?

Lost personal items are often covered as part of a homeowners policy. It’s generally a fairly standard part of coverage. The catch is, you need to understand the limitations of the personal property coverage in your policy.

Refusing to Abandon Their Homes, Homeowners Rebuild With Flood Risk in Mind

They live in flood zones, and after major flooding from hurricanes and rain events destroyed their homes, these homeowners discovered ways to rebuild and retrofit to help reduce the risk of future flood damage.

1 Based on average premium for HO-3 type open perils homeowners policies.