Georgia Homeowners Insurance
TCDS Insurance Agency is licensed in Georgia and helps homeowners from metro Atlanta to the coast compare home insurance from more than 50 carriers in one application. As an independent agency, we shop your home across the entire Georgia market rather than quoting a single company.
Georgia's risk profile is shaped by geography. Metro Atlanta sees frequent severe hail, the coast around Savannah faces hurricane wind and storm surge, and inland river basins — the Chattahoochee, Flint, and Savannah — drive flooding. Atlanta's higher rebuild costs also push urban premiums above the statewide average, which is why comparing carriers makes a real difference here.
This page covers what Georgia homeowners pay, the state-specific risks behind your rate, the carriers we represent, and how to lower your premium.
What Georgia home insurance covers
A standard Georgia HO-3 or HO-5 policy covers your dwelling, other structures, personal property, loss of use, liability, and medical payments against perils including fire, wind, hail, lightning, theft, and falling trees. Flood and earthquake are excluded and require separate policies. Many Georgia policies apply a separate wind/hail deductible of 1–5% of dwelling coverage — larger than the flat all-perils deductible — and coastal homes may carry a named-storm deductible.
How to lower your Georgia home insurance
- Bundle home and auto for a 10–25% multi-line discount.
- Raise your deductible if you have the savings to cover it.
- Add a sewer-backup endorsement ($40–$75/yr) given Georgia's heavy rainfall.
- Upgrade to an impact-resistant roof to cut the wind/hail portion of premium.
- Compare 50+ carriers — TCDS does the shopping for you.
See the full Georgia insurance guide for statewide coverage and risk detail.
Average Georgia homeowners insurance cost
The average Georgia homeowners insurance premium is about $2,041/year for a typical $300K dwelling (Bankrate, 2025); metro Atlanta's higher rebuild costs and hail frequency push urban rates above the state average. Source: Bankrate. Your own rate depends on coverage limits, location, and risk profile — TCDS compares 50+ carriers to find your lowest eligible rate.
Georgia-specific risks that affect your rate
- Metro-Atlanta hail. The Atlanta metro sees frequent severe hail; many Georgia policies apply a separate wind/hail deductible (1–5% of Coverage A) larger than the all-perils deductible.
- Coastal hurricane. Savannah and the Georgia coast face hurricane wind and storm-surge exposure, which brings named-storm deductibles into play.
- River & inland flooding. The Chattahoochee, Flint, and Savannah river basins flood inland areas; flood damage needs a separate policy and is never covered by home insurance.
Georgia homeowners carriers TCDS represents
| Carrier | State | Line |
|---|---|---|
| Auto-Owners | Georgia | homeowners |
| Travelers | Georgia | homeowners |
| Nationwide | Georgia | homeowners |
| Cincinnati | Georgia | homeowners |
| Liberty Mutual | Georgia | homeowners |
TCDS is an independent agency representing the carriers above and others; we shop all of them in one application. Appointment lineups change — ask us who is writing Georgia homeowners today.
See the full Georgia insurance guide.
Part of: Home Insurance
Frequently Asked Questions
What does Georgia home insurance typically cover?
Georgia homeowners insurance covers dwelling (structure), personal property, liability, medical payments, and additional living expenses. Standard policies cover fire, lightning, wind, hail, theft, and vandalism. Flood and earthquake require separate policies.
How much does home insurance cost in Georgia?
The average cost of home insurance in Georgia is $1,400-$2,200 per year, depending on location, home value, construction type, and coverage limits. Atlanta metro area homes typically cost more due to higher replacement costs and theft rates.
Does Georgia home insurance cover hail damage?
Yes, standard Georgia homeowners policies cover hail damage to your roof, siding, and windows. However, many policies have separate wind/hail deductibles (1-5% of dwelling coverage) that are higher than your standard deductible.
Do I need flood insurance in Georgia?
Flood insurance is not included in standard homeowners policies. If you live in a flood zone near rivers, lakes, or coastal areas, flood insurance is required by mortgage lenders. Even outside flood zones, Georgia's heavy rainfall makes flood coverage worth considering.
What is a wind/hail deductible in Georgia?
A wind/hail deductible is a separate, percentage-based deductible (typically 1-5% of your dwelling coverage) that applies specifically to wind and hail claims. On a $300,000 home with a 2% wind/hail deductible, you'd pay $6,000 out of pocket before insurance kicks in. This is separate from your standard $1,000-$2,500 deductible.
Does Georgia home insurance cover fallen trees?
Yes, if a tree falls on your home or other covered structure, your homeowners policy covers the damage and typically $500-$1,000 for tree removal. If a tree falls in your yard but doesn't hit a structure, removal is usually not covered. Some policies offer enhanced tree removal coverage for an additional premium.
How do I lower my homeowners insurance in Georgia?
Top strategies include: raising your deductible to $2,500 (saves 10-20%), installing security and fire alarm systems (5-15% discount), bundling with auto insurance (10-25% savings), maintaining a claims-free history, upgrading your roof to impact-resistant materials, and shopping through TCDS to compare 50+ carriers.
Does Georgia home insurance cover sewer backup?
Standard Georgia homeowners policies do not cover sewer or drain backup damage. This is a common exclusion that catches many homeowners off guard. You can add sewer backup coverage as an endorsement for typically $40-$75 per year. Given Georgia's heavy rainfall, this affordable add-on is highly recommended.
What is replacement cost vs actual cash value in Georgia?
Replacement cost pays to rebuild or replace damaged property at current prices without deducting for depreciation. Actual cash value deducts depreciation, meaning a 10-year-old roof might only be valued at 50% of replacement cost. We strongly recommend replacement cost coverage, especially for your dwelling and personal property.
Does home insurance cover mold in Georgia?
Most Georgia homeowners policies provide limited mold coverage ($5,000-$10,000) only when mold results from a covered peril like a burst pipe. Mold from long-term humidity, poor ventilation, or maintenance neglect is typically excluded. Some carriers offer enhanced mold coverage endorsements for an additional premium.