Georgia home insurance

Every figure below is sourced and dated. Estimates only — not quotes, and not offers of coverage.

Home insurance premium estimator

What homeowners insurance costs in your state, and whether what you pay is out of line.

Is your dwelling coverage actually enough to rebuild — and what a shortfall costs at claim time.

What a higher deductible really saves, how long it takes to pay off, and what a storm deductible actually costs.

Did your renewal go up more than premiums did across your state — and what to do about it.

All six limits on your policy against what the standard form and regulators say to expect — including the liability limit nobody looks at.

Average premium: $2,453/ yr; At $300,000 of dwelling coverage.
Standard deductible: $1,000; Applies to everyday claims.
Storm deductible — separate, and much larger: $6,000(2% of coverage); What you would pay out of pocket on $300,000 of coverage before a storm claim pays anything — not the $1,000 above.
Insurer of last resort: Georgia Underwriting Association; Georgia's residual market and insurer of last resort, existing so that basic property and liability insurance is available to Georgians the voluntary market has declined. It writes Homeowners, Dwelling (fire and wind/hail), Mobile Home and Commercial lines, and it is the practical answer for coastal properties private carriers will not write for wind. Reported capacity runs to roughly $2 million of dwelling coverage with up to $100,000 of liability -- unusually generous limits for a FAIR-plan-style entity, and notably higher than most states' plans. It only insures risks maintained to minimum safety standards, so a property in poor repair can be declined here too. Contact runs through a licensed Georgia agent (770-923-7431).