Georgia Home Insurance

Whether facing storms, floods, or outright hurricanes, Georgia homeowners understand the importance of protecting their homes from disaster. To advocate this, The Simple Dollar has assembled a wealth of information on rules, stats, and resources for homeowners to stay on top of their homeowners insurance in Georgia. Read on to learn more about the home buyer’s market and ways you can stay on top of your home insurance policy.

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Stats in Your State

The details of home sales, home insurance rates in Georgia, and more can be found at a glance in the easy to read graphs and charts listed below. Read on for more information on homeowners insurance in Georgia.

Homeowner Insurance Premiums

Homeowners insurance rates in Georgia have been consistently lower than the national average between 2000 and 2008.

Renter Insurance Premiums

Renters insurance premiums for Georgia tenants have been consistently lower than the national average between 2000 and 2008, by as much as $42 per year in 2008.

Existing Home Sales

Home sales in Georgia, much like the rest of the country, peaked around 2006 with the rise of the housing market before nose diving in the following years, as indicated by the graph below.

Flood Insurance in Region

Georgia’s mountainous terrain makes it a rare place for floods, as evidenced by the graph below. In the year between October, 2011 and September, 2012, only 96 flood damage claims were filed with damages totaling less than $500,000.

Homes Built

More than 75% of Georgia’s homes have been built after 1970, indicating a huge population boom in the latter half of the 20th century and early 21st century.

Rules in Your State

While Georgia doesn’t have a specific set of rules for homeowners insurance, each individual policy and insurance company must mind a specific set of prohibitions against unfair trade practices, which are listed below.

Official Code of Georgia

Title 33 of the Code of Georgia sets forth the regulations and statutes governing insurance companies, policies, and requirements of the industry.

Georgia Insurance Unfair Trade Practices

Specific unfair claims practices are defined in the Georgia Code, and insurers are prohibited from using such practices against consumers. If you feel you’ve been treated unfairly, check through the link below or consult with an attorney about the issue.

Representatives & Resources in Your State

Use the following resources to connect with your local government and learn more about the insurance industry, or seek assistance on a particular issue, whether it’s an insurance complaint or a natural disaster.

Office of Insurance and Safety Fire Commissioner
Consumer Services Division
2 Martin Luther King, Jr. Drive
West Tower, Suite 716
Atlanta, Georgia 30334
(404) 656-2070
Contact Information
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Homeowners Insurance Information for Consumers
The Insurance Commissioner has put together a useful resource of homeowners insurance information for Georgia residents, which can be found through the link above.
Consumer Complaint Portal
Use the complaint resource page to file a complaint against a particular insurance company and seek assistance from the Office of the Commissioner.

Disaster Relief and Claims
FEMA Region 4 Contact Information
Georgia’s coastline makes it common territory for the Federal Emergency Management Administration (FEMA). Residents must face storms, hurricanes, and flooding on a yearly basis. The above link provides contact information for regional FEMA offices.