If you are looking for the best Georgia homeowners insurance, you have come to the right spot. We've compiled a list with the top home insurers in the state, including their coverage, discounts, customer service scores and more.
cheapest homeowners insurance in ga
There are several factors that determine how much your homeowners insurance policy will cost, including the size of your home and your personal risk profile. As well, you will need to decide on your deductible. It is the amount out-of-pocket that you are responsible for before your insurer pays the rest.
Georgia is a hot climate. Despite this, Georgia homeowners should have insurance that covers damage from natural disasters. Some policies include insurance against floods.
Georgia flood insurance is not required by most homeowners, but it's a good idea if you have a house in a high-risk area. It includes policies with a flood endorsement and those provided by the National Flood Insurance Program.
Overall satisfaction with Country Financial is highest.
Country Financial is the leading home insurance company in the State. Its policies are available at affordable rates and offer a variety of coverage options. Country Financial is also highly rated for customer service. And its policies are offered in most parts of the state.
Farmers ranked first in affordability
Farmers has the lowest average premium in the state at $703 per year. It's a good choice for homeowners that want to save some money. The company offers many discounts to reduce your rates. For example, you can save money by installing home security systems, being claim-free, or bundling several policies.
USAA ranks first for military families
If you're a member of the armed forces or have a family member who is, USAA has an excellent homeowners insurance option that covers your belongings and provides robust coverage. USAA offers several discounts to members who pay on time and bundle policies.
Progressive has the lowest homeowners insurance premiums in Georgia. The company offers standard coverages which protect your house, your possessions and your liabilities. The company has a good reputation and receives fewer customer complaints than its competitors.
Cincinnati Financial, another great choice for Georgia home owners, offers policies that are relatively affordable. ValuePenguin rates the company highly for its customer service and ranks it among the five best homeowners insurance companies in the US.
Allstate ranks fifth for homeowner's insurance and has a wide range of coverage options. The policies of Allstate include both traditional homeowner's insurance coverage and more customized options, such as condo or renter’s insurance.
You can choose a separate coverage that will cover your personal items, such as jewelry and clothing in the case of loss or theft. These policies are usually more generous than standard homeowner's policies.