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.

Serving Georgia

Georgia Home Insurance

Protect Your Home from Hailstorms, Tornadoes, and Severe Weather

Georgia homeowners face unique risks: severe hailstorms in Atlanta, tornadoes across the state, and coastal hurricane threats. Your home insurance should protect against these specific dangers, not just meet minimum lender requirements.

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Quick Answer

What home insurance coverage do I need in Georgia?

Georgia homeowners need dwelling coverage at replacement cost (not market value), $300,000+ liability, and separate wind/hail and flood coverage depending on location. Atlanta-area homes face frequent hailstorms, making proper roof coverage critical.

Why Georgia Homes Need Comprehensive Coverage

Severe Hailstorms

Atlanta and north Georgia experience frequent severe hailstorms that cause roof damage, broken windows, and siding destruction. Wind/hail deductibles often apply (1-5% of dwelling coverage).

Tornado Risk

Georgia averages 30+ tornadoes annually, with peak season March-May. Tornadoes can cause catastrophic damage requiring full dwelling replacement at replacement cost.

Coastal Hurricanes

Coastal Georgia homes face hurricane wind and flood risks. Separate flood insurance is required in FEMA flood zones and recommended even outside designated zones.