Updated: December 4, 2024
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Chubb is Georgia's leading home insurance provider, offering budget-friendly rates and comprehensive coverage. Auto-Owners Insurance is the best provider for insuring new homes. We used a $100,000 dwelling coverage limit in our comparisons, but your premium may vary with a different coverage amount.
MoneyGeek also evaluated the cheapest home insurance in Georgia for those prioritizing cost over service quality.
In Georgia, Chubb emerges as the best overall home insurance provider with a MoneyGeek score of 99 out of 100, thanks to its comprehensive coverage and budget-friendly premiums at $830 per year. Auto-Owners Insurance serves as the runner-up, scoring 96 out of 100 and specializing in insuring new and high-value homes, offering a balance between cost and quality at $1,598 per year for new homes.
In Georgia, Chubb offers the most affordable homeowners insurance, with a premium of $830 per year, making it an excellent choice for cost-conscious homeowners seeking a balance of low premiums and superior service. Travelers is the runner-up, providing competitive rates with a focus on affordability without compromising on service quality.
For homeowners in Georgia prioritizing exceptional customer service, Chubb stands out as the best provider, boasting a MoneyGeek score of 96 out of 100 and a yearly rate of $830. Auto-Owners Insurance follows as the runner-up, with a MoneyGeek score of 92 out of 100 and an annual cost of $973.
Why Trust MoneyGeek? We analyzed data from Georgia's Office of the Insurance and Safety Fire Commissioner and Quadrant Information Services to identify the best homeowners insurance options in the state.
Home insurance rates in Georgia represent the latest quotes as of July 2024.
Chubb provides the best home insurance in Georgia.
Homeowners have many insurance options, each varying in cost and customer service. It's crucial to balance affordability and quality to find the best policy for your needs.
Chubb excels with a nearly perfect MoneyGeek score, achieving top ratings in affordability (55 out of 55) and customer satisfaction (30 out of 30). Its average annual premium is $830.
It offers two unique coverages: the cash settlement option, which provides a cash payout for a total loss, and the risk consulting service, which helps reduce risks to prevent potential claims and enhance home safety.
Chubb is the top insurer for homeowners who value excellent customer support. For those prioritizing reliable service, consider these top-rated providers:
Valuing service quality in a home insurance provider means choosing one with responsive customer support, smooth claim processing and customizable coverage. Prompt and supportive responses are crucial during stressful times, such as severe weather damage.
Chubb stands out for its top-notch service quality, with a perfect customer satisfaction score of 65 out of 65.
It offers unique add-ons like guaranteed replacement cost, which covers full home restoration beyond policy limits, and cash settlement, which provides a cash option instead of repairs for total losses.
Chubb is the best option for the cheapest homeowners insurance in Georgia, offering a balance of low premiums and superior service.
When choosing a provider, balance service quality with the average cost of home insurance in Georgia. Prioritize responsive support and reliable claims processing to avoid sacrificing service for lower rates, especially during stressful events like storm damage.
Chubb stands out for homeowners on a budget, with an impressive affordability score of 75 out of 75 and an average annual premium of $830.
Chubb offers discounts for combining policies and installing home safety devices. It also provides extensive coverage, including guaranteed replacement cost for full rebuilding without depreciation deduction, and building ordinance or law coverage for compliance with current codes.
Auto-Owners Insurance is the best choice for those with expensive homes in Georgia. Below are the top insurers for homeowners requiring $1 million dwelling coverage:
High-value homes often need more coverage, which can raise the price, so find a company that offers excellent value.
Auto-Owners Insurance is the top choice for expensive homes in Georgia, with a perfect affordability score of 55 out of 55 and an average annual premium of $5,409.
Its protective device discount provides savings for theft or fire prevention system installation. Auto-Owners also offers guaranteed replacement cost coverage that pays for replacement costs at current market rates without deducting for depreciation. Its equipment breakdown add-on covers mechanical or electrical breakdowns of home systems and appliances.
Auto-Owners Insurance is the top choice for new homes in Georgia.
With perfect affordability and coverage scores, Auto-Owners Insurance offers an excellent balance of cost and quality.
Auto-Owners Insurance is the best choice for new homes in Georgia, with a perfect affordability score of 55 out of 55 and an average annual premium of $1,598.
Auto-Owners offers paperless billing and responsible payment discounts that help lower premiums. Its guaranteed replacement cost coverage provides full repair or rebuilding costs without deducting for depreciation.
Chubb is the top veteran homeowners insurance provider in Georgia.
The best home insurance company for military families understands the unique needs of frequent moves and deployments, ensuring protection for homes and belongings in every situation.
Chubb is the top home insurance provider for veterans in Georgia, scoring 55 out of 55 for affordability and 19 out of 30 for customer satisfaction. Its average annual premium is $830.
Its guaranteed replacement cost add-on covers full rebuilding costs without policy limits. Chubb also provides rare discounts for owners of newly built or recently updated homes.
The best homeowners insurance companies balance strong coverage and excellent customer service with affordable premiums. To find the right policy for you, follow these steps:
Determine how much home insurance coverage you need by evaluating your risks and property value. This helps in selecting adequate coverage.
Look into reputable insurers, focusing on their track records, customer service, response times and financial stability.
Compare home insurance quotes and policy details from different insurers to find a balance between comprehensive coverage and affordability.
Review policies carefully to understand the coverage limits, deductibles, exclusions and the claims process that affect coverages and out-of-pocket costs.
An unbiased insurance agent can clarify policy details, provide personalized advice and help you navigate the insurance market.
Georgia does not mandate flood insurance for homeowners. Still, buying flood insurance in Georgia is a wise decision to cover possible flood damage and avoid costly repairs.
Choosing the best homeowners insurance provider depends on your needs and budget. Here are answers to common questions about home insurance in Georgia to guide you.
Chubb is the overall best home insurance provider in Georgia, with a MoneyGeek score of 99 out of 100.
Chubb offers the cheapest homeowners insurance in Georgia, with an average annual premium of $830. Homeowners qualifying for discounts can reduce their costs.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.
