The 4 Best Georgia Homeowners Insurance Companies

Annual homeowners insurance premium rates in Georgia are nowhere near as astronomically high as those facing its neighbor to the south — at $975 per year, the state’s average annual premiums are slightly lower than the national average.

However, certain areas of the Peach State experience higher turbulence in weather than others. Georgia’s coastal cities, such as Savannah, encounter plenty of flooding, while those further inland experience windstorms and occasional wildfires, all of which pose potential risks to homeowners.

With increased hazards, shopping around to ensure that you’re receiving the best price for your homeowners insurance coverage is imperative. To assist with the process, we’ve outlined our top picks for Georgia homeowners insurance providers and included an online quote tool, so you can get an accurate estimate for a policy tailored to meet the needs of your home:

USAA

The United Services Automobile Association, or USAA, was founded by a group of 25 Army officers with the core military values of service, loyalty, honesty, and integrity. Today, having grown into a national insurance giant, the company continues to maintain those founding principles and provides quality affordable insurance coverage for active duty members, veterans, and their families. With 13 military bases in the state, it’s no surprise that USAA is a very popular option for Georgia homeowners insurance.

Having a membership with USAA grants you access to myriad free financial resources, discount opportunities, and quality customer care. The membership also comes with some sizable benefits, such as zero ATM fees, low loan rates, and cheap comprehensive homeowners insurance policies.

A standard policy from USAA comes with full replacement cost coverage, a feature that is relatively rare among competitors. If your home is destroyed or seriously damaged, USAA will assist in rebuilding and replacing your personal property. The company provides up to 75% of the insured value of your home to replace your belongings. Your USAA policy also automatically includes up to $5,000 in identity theft and fraud coverage, a feature which is becoming increasingly important.

Nationwide

Nationwide provides Georgia homeowners with cheap homeowners insurance rates and a wide range of add-on coverage options. Nationwide’s unique Brand New Belongings coverage, for example, replaces your damaged or destroyed items with the most current versions available. Their Better Roof Replacement allows you to rebuild your roof with safer and more durable roofing materials in the event of a covered loss, potentially saving you money by preventing another disaster from occurring in the future.

Nationwide also helps you save by extending a host of discounts. Customers can receive up to a 30% rate cut based on the age of their home, 20% for bundling policies, 15% for installing protective devices, 5% for being married or widowed, and more.

New Nationwide customers should take advantage of the company’s free On Your Side review. This insurance consultation and assessment can help you better understand the claims process and manage your deductible, as well as walk you through the specifics of your policy and make any adaptations necessary to match the needs of your specific budget and living situation.

State Farm

State Farm is the largest provider of homeowners insurance in the country, and is a popular choice for Georgia residents. Whether you live in a high-rise in Atlanta or a ranch in Chatham, State Farm has cheap coverage options available for your home. The company’s extensive network of local agents and representatives is available 24/7 online or on the phone in the event of a disaster.

State Farm also offers high-quality claims management tools to help ease the process. The HomeIndex Home Inventory Tool from State Farm allows you to keep a running online record of all your covered items and their respective conditions and worth. Taking advantage of this tool prior to a loss can save you a great deal of time and money by accurately estimating damage. This tool can also give you a better idea of how much homeowners insurance coverage you actually need — so you can receive a level of protection you feel confident with, without overpaying for extraneous coverage.

Another unique feature State Farm offers is their Premier Service Program, which connects you to reputable contractors in your area to make any immediate repairs necessary on your damaged home to return you to living there safely.

Ameriprise Financial

Ameriprise Financial is backed by an A (excellent) rating from A.M. Best and offers some of the lowest rates around for Georgia homeowners insurance. Ameriprise walks you through the process of selecting coverage limits for your dwelling and personal belongings based on the replacement cost of your home to ensure that you are not overpaying. Each Ameriprise policy also automatically offers up to $5,000 in identity theft and credit card fraud coverage as well as lock replacement coverage if your home has been broken into, at no deductible cost.

Ameriprise can help you save on your policy by offering multiple premium discount opportunities. Owning a new or recently renovated home, maintaining a claim-free history, installing safety features such as a smoke alarm or sprinkler system, and bundling your home and auto insurance policies can all significantly lower your annual payments. Further price breaks are extended to long-standing Ameriprise policyholders and retirees over the age of 55.

Ameriprise offers flexible payment options and plans to their customers, so you can choose when to pay and break up your premium costs according to your budget. If you choose to pay monthly insurance installments versus the annual payment, Ameriprise divides your policy into 11 monthly payments instead of 12, so you can plan for a payment-free month. This feature comes in especially handy around expensive times like the holidays, so you can have the peace the mind of knowing that you have one less bill to pay.

The 4 Best Georgia Homeowners Insurance Companies

• USAA
• Nationwide
• State Farm
• Ameriprise Financial

For more information about home insurance, take a look at our Guide to Homeowners Insurance. Not a homeowner? Check out our picks for best renters insurance.