Homeowners Insurance in Georgia

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Getting Georgia Home Insurance

Having good homeowners insurance in Georgia can give you peace of mind knowing that you’re protected when the unexpected occurs. With the AARP^® Homeowners Insurance Program from The Hartford,¹ we offer coverage that can provide financial protection to your home and its contents when they’re damaged.

Common Insurance Claims in Georgia

While tornadoes may be more concerning for folks in neighboring states, The Hartford understands that homeowners in the Peach State are at risk of issues like lightning, fire or theft. Each of these events can cause significant damage to your home, whether you live in Atlanta, Athens, Marietta, Augusta or anywhere in between. The Hartford is here to help protect Georgia residents from financial loss.

What Is the Average Homeowners Insurance Cost in Georgia?

According to current 2024 rates, the average home insurance cost per year in Georgia is $1,945, which is a bit lower than the national average of $2,230.²

Insurance Rate Factors

When determining the cost of your home insurance policy in Georgia, insurance companies take several factors into account, like your:

Home’s age and construction
Location
Claims history
Policy coverages, including replacement cost

GA Home Insurance Discounts

There are many ways to save on your homeowners insurance in the Peach State. At The Hartford, we offer several types of homeowners insurance discounts to help lower your premiums.

Bundled Insurance Discount

If you have a car insurance policy with The Hartford, bundling it with your GA homeowners insurance means you’ll qualify for our bundled policy discount. You could save up to 12% on your auto and up to 20% on your home, condo or renters insurance policy.**

Home Security Discount

We reward our customers for taking the initiative to protect their homes. That’s why installing devices such as alarm and fire sprinkler systems can help lower your premium. You can also save money with fire protection systems and more.

Is Homeowners Insurance Required in GA?

Home insurance in Georgia is not required by law, unlike Georgia auto insurance. However, if you finance your home in GA, your lender may require homeowners insurance coverage.

Types of Georgia Homeowners Insurance Coverages

The majority of Georgia homeowners insurance policies from The Hartford come with a wide array of coverage options. Below are a few examples, as well as what can be considered covered property:

Dwelling Coverage

Dwelling coverage helps protect your home and the structures directly attached to it. This includes items like your garage, deck, roof, floors and walls.

Other Structures Insurance

Other Structures Insurance helps protect structures on your property that are not attached to your house from things like fire, vandalism and falling objects. This can include a car driving into your fence or a tree falling onto your shed.

Loss of Use

Loss of Use helps pay your additional living expenses (up to policy limits) if you can’t live in your home due to a covered loss. For example, if your home was damaged from a fire and you can’t stay in it while it’s being repaired, loss of use coverage can help pay for your hotel expenses.

Medical Payments

Medical Payments helps protect you if someone is injured on your Georgia property. For example, if someone trips and falls on your property and requires medical attention, this coverage can help cover the costs associated. Keep in mind that bills are paid up to your policy’s limit, whether you’re legally responsible or not.³

Personal Property

Personal property helps protect your personal belongings such as furniture, clothing and appliances. This protects them against damage or theft no matter where you are.

Personal Liability

Personal Liability helps protect you if someone who is not a resident in your home is injured at your house and you’re found liable. It is a crucial home insurance coverage and comes standard with Georgia homeowners policies. In the case of a covered loss, it helps protect you against damages.

More Homeowners Insurance in GA Coverages

Valuable Items Blanket is an additional coverage that can be added to your policy with the AARP Homeowners Insurance Program from The Hartford. Your homeowners policy caps coverage for theft on jewelry up to a $1,500 limit. However, with The Hartford’s Valuable Items Blanket Coverage, that can increase to $10,000 per item for valuables like crystal, silverware, jewelry and more. This coverage can also help cover lost or mysterious disappearances.

Homeowners Equipment Breakdown Coverage helps cover mechanical or electrical breakdowns in your home and can help protect your appliances or furnace. It will also pay up to 125% of your costs to make “green” upgrades to replace any covered equipment with similar items that are more energy efficient or environmentally friendly. Keep in mind this does not include coverage for normal wear and tear.

Full Replacement Cost coverage helps pay the cost to rebuild your home if it is a total loss up to 125% of your coverage limits.

Rental Property Protection Plus protects you as a landlord for the rental units you own. Rental property insurance coverage includes the replacement cost of your rental dwelling, optional coverage for detached structures, fair rental value and more.

Protect Your Home With The Hartford

Find out what benefits you can get with a homeowners insurance policy from The Hartford. Call our representatives at 877-422-2345 to see what discounts you qualify for and get the coverage your home needs.

Last Updated: July 17, 2024

² Bankrate, “Average homeowners insurance cost in July 2024”

³ Medical benefits are calculated on the basis of usual, customary, and reasonable charges.

** Average savings amounts based on information reported by customers who switched to The Hartford from other carriers between 9/1/22 and 8/31/23. Your savings may vary. Average auto insurance savings is $577 and average home insurance savings is $236. Rate differences for AARP members and non-members vary by state and AARP membership tenure. Auto/Home discount is available only to policyholders who have both their auto and home (or condo or renters) insurance through the AARP Auto & Home Insurance program from The Hartford. The Hartford does not write new business in all areas, including the states of CA and FL.

^§ Availability of RecoverCare benefit and benefit levels vary by state. The Hartford RecoverCare Advantage^® is a registered mark of The Hartford.

^§§ Terms and conditions apply.

^‡ Terms and conditions apply. Accident Forgiveness and the Disappearing Deductible are not available to CA policyholders.

^‡‡ Terms and conditions apply. Availability varies by state.

^‡‡‡ Based on one car and driver; individual rate/premium/savings will vary based on actual coverage selections and characteristics of vehicle(s)/driver(s).

Additional disclosures below.

Homeowners Insurance Georgia