September 2, 2025
Georgia home insurance averages $2,004 to $2,435 annually, below the national average, but rising storm risks, roof rules, and liability concerns complicate coverage.
Bottom Line Up Front: Georgia homeowners pay an average of $2,004-$2,435 annually for coverage (NerdWallet, MoneyGeek)—about $419 below national average despite rising climate risks. While the state offers competitive rates, recent 12% increases and unique challenges around roof age, dog breed restrictions, and natural disaster exposure require careful navigation of coverage options.
Georgia's homeowners insurance market presents a complex landscape in 2025, shaped by rates that grew nearly 12% in the past year while still maintaining costs below the national average. The average homeowner in Georgia pays $2,004 yearly for coverage, making it one of the more affordable states for homeowners insurance despite increasing pressures from natural disasters and inflation.
Since 2019, Georgia homeowners have seen their insurance rates jump nearly 36%, reflecting broader national trends driven by climate change and increased construction costs. The state faces mounting pressure from more powerful storms such as Hurricane Helene and other factors that have contributed to significant claims payouts across the region.
More than 25 different disasters caused at least $1 billion each in damages in 2024, demonstrating the escalating impact of severe weather events on insurance markets nationwide, with Georgia experiencing its share of these costly events.
One of the most critical factors affecting coverage eligibility in Georgia is roof condition. Carriers may limit or deny coverage for roofs over 15-20 years old, making roof maintenance and documentation essential for homeowners. This requirement reflects insurers' efforts to minimize claims from weather-related damage in a state prone to severe storms.
Georgia is prone to violent storms, and although only a portion of Georgia is coastal, hurricane damage is not uncommon. The state experiences significant tornado activity, making comprehensive wind and hail coverage essential for all homeowners, not just those in coastal areas.
Standard homeowners policies exclude flood damage, requiring separate coverage through the National Flood Insurance Program (NFIP) or private insurers. Thunderstorms bring rain that can cause flooding even away from the coast, making flood insurance a consideration for homeowners throughout the state, particularly near rivers or in areas with flash flood risks.
Many Georgia insurance companies will raise your premiums or cancel your policy if you have an American Pit Bull Terrier, American Staffordshire Terrier, Doberman, Rottweiler, Chow, Presa Canario or any wolf-hybrid animal. These restrictions reflect insurers' risk assessments based on the total number of dog bite claims nationwide that increased from 17,597 in 2022 to just over 19,000 in 2023.
Homeowners must disclose wood-burning stoves and trampolines, which can lead to surcharges, exclusions, or coverage denials. These features are considered increased liability risks that insurers factor into their underwriting decisions.
Many carriers in Georgia still primarily offer HO-3 policies, making it crucial for homeowners to understand the distinction between actual cash value and replacement cost coverage, particularly for personal property. While HO-3 policies provide "all-risk" coverage for the dwelling, personal property is typically covered on a named-perils basis with actual cash value settlements unless specifically upgraded.
The Georgia FAIR Plan was implemented by the legislature as a residual insurance market offering homeowners insurance to those residents who are unable to obtain coverage through the private marketplace. This state-mandated program serves as a last-resort option for homes in high-risk areas, particularly beneficial for coastal properties where private insurance companies fear to tread.
The FAIR Plan provides basic coverage but may cost more than private insurance and may offer less coverage. Coverage typically includes fire and windstorm protection, though liability coverage availability varies.
Georgia's insurance regulations provide specific protections for consumers while balancing insurer needs:
Insurers can cancel policies within the first 60 days for almost any reason, but after that period, they must provide notice and valid justification such as nonpayment, material risk changes, or fraud.
The state maintains regulatory oversight to ensure market stability while allowing insurers flexibility in underwriting decisions. Recent legislative efforts have focused on studying rate increases and exploring ways to moderate insurance costs for consumers.
Credit rating influences premiums significantly, with MoneyGeek reporting a range from $1,607 to $10,066 based on creditworthiness. Other significant factors include:
Premium factors and their impact vary by insurance company. Individual quotes may differ significantly from state averages.
Average costs vary significantly by location, with homeowners insurance in Atlanta averaging $2,620 a year, while homeowners in Athens pay $2,170 a year, demonstrating how location within the state significantly impacts pricing.
Georgia's average premiums are lower than those in several neighboring states, although coverage needs and risk exposures vary by region:
Florida has highest home insurance rates due to hurricane exposure and litigation risks, while Tennessee averages $3,085 annually. These differences reflect varying risk profiles and regulatory environments across states.
Coverage options and potential savings vary by insurance company and individual circumstances. Consult with licensed professionals for personalized guidance.
For homeowners and insurance professionals seeking to optimize the customer experience while managing operational costs, partnering with specialized service providers can help improve client satisfaction. Covered offers support services that assist customers in navigating complex insurance decisions. These services are designed to improve policy understanding and enhance the customer experience. Covered connects customers with licensed insurance professionals through warm transfers, providing access to guidance from vetted industry experts. By facilitating these connections, servicers can help ensure their customers receive appropriate support throughout the insurance process.
Disclosure: Covered is a licensed insurance services provider. Individual results and experiences may vary. This mention does not constitute an endorsement of specific outcomes or guaranteed savings.
The Georgia homeowners insurance market faces continued pressure from climate-related risks and inflation. Industry experts expect rates to continue rising as insurers adjust to increased claim frequencies and construction costs. However, Georgia's regulatory environment and competitive market structure help moderate these increases compared to more crisis-prone states.
Homeowners should expect continued emphasis on risk mitigation measures, property improvements, and careful carrier selection as key strategies for maintaining affordable coverage in an evolving market landscape.
This article provides general information about Georgia's homeowners insurance market based on available industry data as of 2025. Individual circumstances vary significantly, and premium quotes, coverage options, and policy terms differ by insurance company. Consumers should consult with licensed insurance professionals for specific coverage recommendations and current pricing. Information presented should not be considered as guaranteed outcomes or personalized insurance advice.
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*Savings claim based upon averaging actual anonymized savings data for dwelling-only insurance rates paid (from July 2023 - June 2024) by customers of two of Covered’s largest mortgage industry partners across twenty-seven (27) US states. Bundles and non-dwelling insurance coverages were excluded.
† Net Promoter Score (“NPS”)® calculation averages post-purchase customer satisfaction surveys from 9/24/2024 - 2/28/2025. NPS® is a market research metric measuring customer satisfaction with a scoring calculation that incorporates both detractor and promoter customer feedback.
Quotes are presented solely for your convenience. Savings may vary. Rates are subject to change based upon the specific coverage you select and other factors that apply to your situation. CA License #0M81402, doing business as Cubbard Insurance Solutions in California.
