The Best Home Insurance in Georgia

Review: Amica Mutual consistently ranks among the best national home insurance companies in J.D. Power’s U.S. Home Insurance Study, earning the number two spot in the 2020 survey. We especially like Amica’s Platinum Choice Home plan, which includes all standard homeowners coverages, plus dwelling and personal property replacement cost, computer and business property, valuable items and water backup coverages. The package includes higher personal liability limits and up to $5,000 in credit card coverage. Amica also gives you the option to purchase a dividend home insurance policy, which can pay back 5% to 20% of your annual premium, according to the carrier. Amica also offers a wide range of other insurance products, as well as annuities and IRAs to plan for your golden years.

Allstate operates local offices all over Georgia, with more than 50 agents available in Atlanta alone. You’d expect a major home insurance provider to offer all the coverages many homeowners need, but we’re particularly impressed with Allstate’s optional coverages. Allstate’s business property coverage provides added protection for home office equipment, but also covers inventory items. And if your computer crashes, electronic data recovery coverage can help retrieve your valuable files. Avid outdoor enthusiasts can purchase additional coverage for equipment such as bicycles and aspiring musicians can opt for added protection for instruments such as violins and grand pianos. Allstate’s yard and garden coverage may come in handy when spring storms arrive, and green improvement reimbursement can help restore your home using energy-efficient elements following a covered loss.

The Harford ranked #5 in J.D. Power’s 2020 U.S. Home Insurance Study, earning an overall customer satisfaction index score of 832 out of 1,000, surpassing heavy hitters Allstate and State Farm. Through its partnership with AARP, The Hartford offers auto, business and home insurance for AARP members. Members who bundle car and homeowners policies can receive a discount of up to 5% on their auto policy and up to 20% on home insurance. The Hartford also extends a special homeowners credit for retirees and offers products designed for seniors, including group health insurance plans that integrate with Medicare Parts A and B and don’t require policyholders to commit to a medical network. AARP membership comes packed with benefits, including discounts on groceries, prescription drugs and travel, plus financial tools and fraud assistance.

It comes as no surprise that Country Financial ranked #1 in J.D. Power’s 2020 U.S. Home Insurance Study. The insurer offers homeowners three levels of coverage. Basic policies cover the most common perils, like fire, glass breakage, theft and windstorms, while Country’s premier coverage offers additional protection against common losses such as damage to appliances caused by power surges, countertop burns and paint spillage. Or you can choose a combined coverage plan, which includes basic coverage for your personal belongings and premier coverage for your home. Qualified Country home insurance policies enable you to select from three levels of dwelling coverage, including actual cash value, replacement cost and extended replacement cost, which pays up to 120% of your policy’s dwelling limit to rebuild following a covered loss. The provider also offers personal liability limits up to $1 million and medical payments limits up to $25,000, higher than many carriers.

UPC writes policies in just 12 states, including Georgia, and specializes in coastal regions, where homeowners can have a hard time getting coverage due to tropical storms and hurricanes. Beside standard policies, which include dwelling, loss of use, liability and personal property coverages, UPC also offers a premiere coverage package, which provides broader dwelling and loss of use coverages, $100,000 in home systems protection and $10,000 in service line coverage. UPC’s optional standard flood insurance provides up to $750,000 in dwelling coverage and $200,000 in personal property coverage for homeowners who live in a Flood Zone A area and its excess flood coverage offers up to $15 million in combined dwelling and contents coverage and up to $15 million in dwelling replacement cost coverage. UPC’s service line endorsement covers repair and replacement of electrical, gas and drainage systems and its optional home systems protection covers computers, dishwashers, home security systems, pools, refrigerators and more.