{"id":325108,"date":"2025-11-07T23:46:13","date_gmt":"2025-11-08T04:46:13","guid":{"rendered":"https:\/\/www.reviews.com\/?page_id=95780"},"modified":"2025-11-12T13:51:26","modified_gmt":"2025-11-12T18:51:26","slug":"best-in-georgia","status":"publish","type":"page","link":"https:\/\/www.reviews.com\/insurance\/homeowners\/best-in-georgia\/","title":{"rendered":"The Best Home Insurance Companies in Georgia for 2025"},"content":{"rendered":"            <span class=\"b-toc-anchor\" id=\"review\" title=\"The Best Homeowners Insurance Companies in Georgia Review\"><\/span>\n    \n\n\n<p>Shopping for homeowners insurance in Georgia remains challenging in 2025 amid higher premiums and tighter underwriting. Choosing the best fit requires careful research and side-by-side quotes. Because coverage needs, location risk, budget, and service preferences vary, the best provider will differ for each homeowner.\ufffda0<\/p>\n\n\n\n<p>To help you find the best homeowners insurance in Georgia, Reviews evaluated large and notable Georgia home insurers using the latest third-party measures (2024 J.D. Power customer and claims studies), AM Best financial strength, NAIC complaint information, average premiums, coverage options, discounts, and availability. Based on this analysis, strong choices for many Georgia shoppers include USAA, State Farm, Auto-Owners, and COUNTRY Financial, while national satisfaction leaders like Amica and Erie also perform well.<\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"top-picks\" title=\"Our Top Picks\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">The 4 Best Homeowners Insurance Companies in Georgia<\/h2>\n\n\n\n<ul>\n<li><a href=\"#usaa\" rel=\"nofollow\" class=\"achor-toggles\"><strong>USAA<\/strong><\/a><strong>: <\/strong>Best for Military-Focused Coverage<\/li>\n\n\n\n<li><a href=\"#state-farm\" rel=\"nofollow\" class=\"achor-toggles\"><strong>State Farm<\/strong><\/a><strong>: <\/strong>Best for Availability<\/li>\n\n\n\n<li><a href=\"#auto-owners\" rel=\"nofollow\" class=\"achor-toggles\"><strong>Auto-Owners<\/strong><\/a><strong>: <\/strong>Best for Optional Coverage<\/li>\n\n\n\n<li><a href=\"#country\" rel=\"nofollow\" class=\"achor-toggles\"><strong>COUNTRY Financial<\/strong><\/a><strong>: <\/strong>Best for Discounts <\/li>\n<\/ul>\n\n\n            <span class=\"b-toc-anchor\" id=\"compare-table\" title=\"Compare\"><\/span>\n    \n\n\t\t\n<section id=\"block_61d614fb5bae5\" class=\"b-compare-table\">\n\t<h2 class=\"b-compare-table-title\">Compare the Best Georgia Homeowners Insurance Companies<\/h2>\n\n\t\t\t<div class=\"b-compare-table__table-wrapper\">\n\t\t\t<table class=\"b-compare-table__table\">\n\t\t\t\t<thead class=\"b-compare-table__table-head\">\n\t\t\t\t\t<tr>\n\t\t\t\t\t\t<th><\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<th>\n\t\t\t\t\t\t\t\t<span class=\"b-compare-table__table-head-brand \">\n\t\t\t\t\t\t\t\t\tAverage Annual Premium*\n\t\t\t\t\t\t\t\t\t<span class=\"tooltip-content\">\n\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/th>\n\n\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<th>\n\t\t\t\t\t\t\t\t<span class=\"b-compare-table__table-head-brand tooltip\">\n\t\t\t\t\t\t\t\t\tAM Best Financial Strength\n\t\t\t\t\t\t\t\t\t<span class=\"tooltip-content\">\n\t\t\t\t\t\t\t\t\t\tAM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/th>\n\n\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<th>\n\t\t\t\t\t\t\t\t<span class=\"b-compare-table__table-head-brand tooltip\">\n\t\t\t\t\t\t\t\t\t2021 J.D. Power Customer Satisfaction\n\t\t\t\t\t\t\t\t\t<span class=\"tooltip-content\">\n\t\t\t\t\t\t\t\t\t\tJ.D. Power scores are based on surveys for customer satisfaction and product quality.\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/th>\n\n\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t<th><\/th>\n\t\t\t\t<\/thead>\n\t\t\t<\/tr>\n\t\t<\/thead>\n\t\t<tbody class=\"b-compare-table__table-body\">\n\t\t\t\t\t\t\t<tr id=\"block_61d614fb5bae5-1\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='1'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">USAA**<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$1,214<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A++ (Superior)<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>882\/1,000<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t<tr id=\"block_61d614fb5bae5-2\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='2'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">State Farm<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$2,092<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A++ (Superior)<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>835\/1,000<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t<tr id=\"block_61d614fb5bae5-3\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='3'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">Auto-Owners<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$875<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A++ (Superior)<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>831\/1,000<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t<tr id=\"block_61d614fb5bae5-4\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='4'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">COUNTRY Financial<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$1,905<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A+ (Superior)<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>830\/1,000<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t<\/tbody>\n\t<\/table>\n<\/div><\/section>\n\n\n\n<p><em>Information updated through late 2024\ufffd2025 for ratings and market context; any sample premiums shown here reflect earlier, historical rate filings and will differ from current quotes.<\/em><\/p>\n\n\n\n<p><em>*Historical sample premiums in tables are based on $250,000 dwelling coverage; statewide averages cited below reference a $300,000 dwelling profile.<\/em><\/p>\n\n\n\n<p><em>**USAA not officially ranked by J.D. Power due to eligibility restrictions (evaluated but not rank-eligible)<\/em><\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"usaa\" title=\"USAA\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">USAA<\/h2>\n\n\n\n<p>USAA sells home insurance exclusively to current or former military members and their eligible families. It is evaluated but not rank-eligible in J.D. Power\ufffds 2024 home studies, where it typically scores very highly, and it maintains an AM Best Financial Strength Rating in the Superior category (A++ as last affirmed in 2024). For many in the Armed Forces community, USAA combines competitive rates with strong service. <\/p>\n\n\n                                                \n\n\n<section id=\"usaa\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">USAA<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Military-Focused Coverage<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> WHY WE CHOSE IT<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                Based on our research, USAA may be the best Georgia home insurance company for current or former active duty service members and their spouses or children. The company averages competitive rates, coverage ideally suited to the military lifestyle, and exceptional customer support. However, since eligibility is limited, USAA may not be available to all Georgia homeowners.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.dpbolvw.net\/click-5941215-10998643?sid=r16491&#038;rvitemid=325264-20\" class=\"reviews-btn--primary\" rel=\"nofollow sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">$1,214<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Average Premium\n                                                    <span class=\"tooltip-content\">Pricing data comes from our partners at Bankrate.com.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A++ (Superior)<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">882*<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                Based on our research, USAA may be the best Georgia home insurance company for current or former active duty service members and their spouses or children. The company averages competitive rates, coverage ideally suited to the military lifestyle, and exceptional customer support. However, since eligibility is limited, USAA may not be available to all Georgia homeowners.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Rates are below average compared to the state average annual premium<\/li>\n                            <li>Exceptional customer satisfaction and financial strength ratings<\/li>\n                            <li>Free identity theft coverage with every policy<\/li>\n                        <\/ul>\n\n                    <\/div>\n                    <div class=\"b-mini-review__pros-cons-list-wrapper\">\n                <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                    <li>Only available to current and former Armed Forces and their families<\/li>\n                                    <li>Fewer discounts than some competitors<\/li>\n                                <\/ul>\n            <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">DISCOUNTS AVAILABLE<\/h4>\n                <div> <ul>\n<li>Claim-free<\/li>\n<li>Security device<\/li>\n<li>Policy bundling<\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">ADD-ON COVERAGES<\/h4>\n                <div> <ul>\n<li>Home-sharing coverage<\/li>\n<li>Military uniform coverage<\/li>\n<li>Contents replacement cost coverage<\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">USAA INSURANCE REVIEW<\/h4>\n                <div> <p><a href=\"https:\/\/www.reviews.com\/insurance\/car\/usaa-review\/\\%22%3EUSAA Auto Insurance Review<\/a><\/p>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n            <span class=\"b-toc-anchor\" id=\"state-farm\" title=\"State Farm\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">State Farm<\/h2>\n\n\n\n<p>State Farm remains one of the largest and most widely available homeowners insurers, carrying an AM Best Financial Strength Rating of A++ (Superior as affirmed in 2024). For ease of policy management, State Farm\ufffds extensive local-agent network can help you purchase a policy, adjust coverage, navigate claims, and get support to make informed decisions. <\/p>\n\n\n                                                \n\n\n<section id=\"state-farm\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">State Farm<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Availability<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> WHY WE CHOSE IT<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                State Farm has a large network of agents across Georgia, as well as online and mobile tools. Of the companies we reviewed, State Farm stood out for making insurance easily accessible.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.cinfin.com?rvitemid=331752-20\" class=\"reviews-btn--primary\" rel=\"nofollow sponsored\">Learn More<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">$2,092<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Average Premium\n                                                    <span class=\"tooltip-content\">Pricing data comes from our partners at Bankrate.com.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A++ (Superior)<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">835<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                State Farm has a large network of agents across Georgia, as well as online and mobile tools. Of the companies we reviewed, State Farm stood out for making insurance easily accessible.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Strong overall satisfaction and financial strength ratings<\/li>\n                            <li>Unique roofing discounts<\/li>\n                            <li>Numerous local agents<\/li>\n                        <\/ul>\n\n                    <\/div>\n                    <div class=\"b-mini-review__pros-cons-list-wrapper\">\n                <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                    <li>Limited additional coverage options<\/li>\n                                    <li>Not as many discounts as other companies<\/li>\n                                    <li>Premiums average higher for Georgia compared to some insurers<\/li>\n                                <\/ul>\n            <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">DISCOUNTS AVAILABLE<\/h4>\n                <div> <ul>\n<li>Multi-policy<\/li>\n<li>Security system<\/li>\n<li>Roofing discounts<\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">ADD-ON COVERAGES<\/h4>\n                <div> <ul>\n<li>Personal articles coverage<\/li>\n<li>Water backup\/sump pump coverage<\/li>\n<li>Identity theft coverage<\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">STATE FARM INSURANCE REVIEW<\/h4>\n                <div> <p><a href=\"https:\/\/www.reviews.com\/insurance\/car\/state-farm-review\/\\%22%3EState Farm Auto Insurance Review<\/a><\/p>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n            <span class=\"b-toc-anchor\" id=\"auto-owners\" title=\"Auto-Owners\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Auto-Owners<\/h2>\n\n\n\n<p>Auto-Owners offers a wide range of endorsements to tailor protection and is frequently among the higher-rated carriers for customer and claims satisfaction in recent J.D. Power studies. Replacement cost options and specialty packages can help increase payout potential by avoiding depreciation where eligible.<\/p>\n\n\n                                                \n\n\n<section id=\"auto-owners\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">Auto-Owners<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Optional Coverage<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> WHY WE CHOSE IT<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                If you are looking to personalize your home insurance policy, Auto-Owners may be a good choice, as it offers a wide variety of unique endorsements to provide more robust financial protection.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/quotes\/?rvitemid=337424-20\" class=\"reviews-btn--primary\" rel=\" sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">$875<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Average Premium\n                                                    <span class=\"tooltip-content\">Pricing data comes from our partners at Bankrate.com.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A++ (Superior)<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">831<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                If you are looking to personalize your home insurance policy, Auto-Owners may be a good choice, as it offers a wide variety of unique endorsements to provide more robust financial protection.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Multiple endorsement options to choose from<\/li>\n                            <li>High claim satisfaction and financial strength ratings<\/li>\n                            <li>Competitive rates<\/li>\n                        <\/ul>\n\n                    <\/div>\n                    <div class=\"b-mini-review__pros-cons-list-wrapper\">\n                <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                    <li>Must work with an agent to purchase a policy<\/li>\n                                    <li>No online quote option<\/li>\n                                <\/ul>\n            <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">DISCOUNTS AVAILABLE<\/h4>\n                <div> <ul style=\"columns: 2;\">\n<li>Automatic backup generator<\/li>\n<li>Protective devices<\/li>\n<li>Water shut-off system<\/li>\n<li>Favorable loss<\/li>\n<li>Mortgage-free<\/li>\n<li>Life multi-policy<\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">ADD-ON COVERAGES<\/h4>\n                <div> <ul style=\"columns: 2;\">\n<li>Guaranteed home replacement cost coverage<\/li>\n<li>Special personal property coverage<\/li>\n<li>Homeowners plus package<\/li>\n<li>Identity theft coverage<\/li>\n<li>Equipment breakdown coverage<\/li>\n<li>Ordinance\/law coverage<\/li>\n<li>Water backup\/sump pump coverage<\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">AUTO-OWNERS INSURANCE REVIEW<\/h4>\n                <div> <p><a href=\"https:\/\/www.reviews.com\/insurance\/car\/auto-owners-review\/\\%22%3EAuto-Owners Car Insurance Review<\/a><\/p>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n            <span class=\"b-toc-anchor\" id=\"country\" title=\"COUNTRY Financial\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">COUNTRY Financial<\/h2>\n\n\n\n<p>Based on our evaluation, COUNTRY Financial stands out for discount breadth and personalized service from local agents. In recent J.D. Power home studies, it often performs above the industry average for satisfaction, and it offers numerous savings tied to home safety features, loyalty, and newer roofs or wiring.<\/p>\n\n\n                                                \n\n\n<section id=\"country-financial\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">Country Financial<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Discounts<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> WHY WE CHOSE IT<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                COUNTRY Financial may be best for Georgia homeowners who want to qualify for multiple discounts and get a lower rate. COUNTRY Financial offers more than a dozen discounts, many of which are geared toward home safety features or based on how long you have been with the insurer.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/quotes\/?rvitemid=344332-20\" class=\"reviews-btn--primary\" rel=\" sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">$1,905<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Average Premium\n                                                    <span class=\"tooltip-content\">Pricing data comes from our partners at Bankrate.com.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A+ (Excellent)<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">830<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                COUNTRY Financial may be best for Georgia homeowners who want to qualify for multiple discounts and get a lower rate. COUNTRY Financial offers more than a dozen discounts, many of which are geared toward home safety features or based on how long you have been with the insurer.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Unique discounts<\/li>\n                            <li>Live chat feature<\/li>\n                            <li>Available endorsements for added protection<\/li>\n                        <\/ul>\n\n                    <\/div>\n                    <div class=\"b-mini-review__pros-cons-list-wrapper\">\n                <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                    <li>Above-average premiums<\/li>\n                                    <li>No online quote option<\/li>\n                                    <li>Financial strength rating not as strong as some other insurers<\/li>\n                                <\/ul>\n            <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">DISCOUNTS AVAILABLE<\/h4>\n                <div> <ul style=\"columns: 2;\">\n<li>Loyalty<\/li>\n<li>Safe heating system<\/li>\n<li>New wiring<\/li>\n<li>New home<\/li>\n<li>Smart home<\/li>\n<li>Water backup system<\/li>\n<li>Hail-resistant roof<\/li>\n<li>New customer<\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">ADD-ON COVERAGES<\/h4>\n                <div> <ul style=\"columns: 2;\">\n<li>Water backup\/sump pump coverage<\/li>\n<li>Identity theft coverage<\/li>\n<li>Replacement cost coverage<\/li>\n<li>Valuable items coverage<\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n            <span class=\"b-toc-anchor\" id=\"cost\" title=\"Average Cost of Homeowners Insurance in Georgia\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Average Cost of Homeowners Insurance in Georgia<\/h2>\n\n\n\n<p>In Georgia, recent market studies indicate typical homeowners premiums now fall roughly in the $2,100\ufffd2,600 per-year range for a standard HO-3 policy with about $300,000 in dwelling coverage, good credit, and a 1% deductible. Point estimates vary by source and profile.\ufffda0<\/p>\n\n\n\n<p>There is no single official, real-time statewide average. Historical NAIC\/Triple-I expenditure data lag by year and are much lower than today\ufffds quotes, while modeled averages from consumer studies (e.g., Bankrate, NerdWallet, Policygenius) reflect specific profiles and assumptions. Premiums have risen sharply since 2021 amid higher catastrophe losses, reinsurance costs, and construction inflation, as reflected in 2024 household-insurance CPI increases. Your ZIP code, claim history, credit, coverage limits, roof age\/material, and insurer all drive your price\ufffdso compare at least three to five quotes.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Average Annual Premium from Homeowners Insurance Companies in Georgia<\/h2>\n\n\n\n<p>Every home insurance company in Georgia prices risk differently, so it\ufffds important to shop around. The table below shows historical sample averages for a $250,000 dwelling profile from prior filings; in today\ufffds market, many households will see higher quotes. Use this as a directional comparison only.<\/p>\n\n\n\n<figure class=\"wp-block-table table table-striped table-bordered table--bordered-top\"><table><tbody><tr><td><strong>Company<\/strong><\/td><td><strong>Average Annual Premium*<\/strong><\/td><\/tr><tr><td>Alfa<\/td><td>$1,597<\/td><\/tr><tr><td>Allstate<\/td><td>$1,284<\/td><\/tr><tr><td>Auto-Owners<\/td><td>$875<\/td><\/tr><tr><td>Chubb<\/td><td>$1,598<\/td><\/tr><tr><td>Progressive<\/td><td>$692<\/td><\/tr><tr><td>Cincinnati Insurance<\/td><td>$822<\/td><\/tr><tr><td>Country Financial<\/td><td>$1,905<\/td><\/tr><tr><td>Farmers<\/td><td>$1,118<\/td><\/tr><tr><td>Georgia Farm Bureau Grp<\/td><td>$1,176<\/td><\/tr><tr><td>Grange<\/td><td>$1,889<\/td><\/tr><tr><td>PURE<\/td><td>$1,083<\/td><\/tr><tr><td>State Farm<\/td><td>$2,092<\/td><\/tr><tr><td>Travelers<\/td><td>$1,484<\/td><\/tr><tr><td>United Ins Holdings Grp<\/td><td>$838<\/td><\/tr><tr><td>USAA<\/td><td>$1,214<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><em>*Table reflects historical samples based on $250,000 dwelling coverage; statewide averages discussed above reference ~$300,000 dwelling coverage.<\/em><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Top 3 Most Expensive Companies for Georgia Homeowners Insurance\ufffda0<\/h2>\n\n\n\n<ul>\n<li><strong>State Farm: <\/strong>pricing varies in 2025; rankings change by profile and ZIP\ufffdcompare multiple quotes.<\/li>\n\n\n\n<li><strong>COUNTRY Financial:<\/strong> pricing varies in 2025; rankings change by profile and ZIP\ufffdcompare multiple quotes.<\/li>\n\n\n\n<li><strong>Grange: <\/strong>pricing varies in 2025; rankings change by profile and ZIP\ufffdcompare multiple quotes.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Top 3 Cheapest Companies for Georgia Homeowners Insurance<\/h2>\n\n\n\n<ul>\n<li><strong>Progressive: <\/strong>pricing varies in 2025; rankings change by profile and ZIP\ufffdcompare multiple quotes.<\/li>\n\n\n\n<li><strong>Cincinnati Insurance:<\/strong> pricing varies in 2025; rankings change by profile and ZIP\ufffdcompare multiple quotes.<\/li>\n\n\n\n<li><strong>United Ins Holdings Grp:<\/strong> pricing varies in 2025; rankings change by profile and ZIP\ufffdcompare multiple quotes.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Georgia Home Insurance Considerations<\/h2>\n\n\n\n<p>When choosing home insurance in Georgia, consider the state\ufffds exposure to hurricanes and tropical systems along the coast, as well as severe convective storms and inland flooding. Standard homeowners policies do not cover flood. If you need flood protection, you\ufffdll buy it separately through the National Flood Insurance Program (NFIP) or the private market. Under NFIP\ufffds Risk Rating 2.0, premiums are priced to property-level risk and most annual increases are capped by statute; policies generally have a 30-day waiting period unless an exception applies. Private flood insurers may offer higher limits, optional additional living expense coverage, and different waiting periods.<\/p>\n\n\n\n<p>Other risks facing Georgia homeowners include wildfires and tornadoes. Make sure dwelling and personal property coverage limits align with current rebuild costs, and review deductibles carefully: many policies use separate wind\/hail or named-storm percentage deductibles. Roof age and condition increasingly affect eligibility, pricing, and whether roof surfaces are covered at replacement cost or actual cash value.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Helpful Resources for Georgia Homeowners<\/h2>\n\n\n\n<p>If you are purchasing home insurance in Georgia for the first time, take advantage of reputable resources to understand required and optional coverages, how deductibles work, how to compare insurers, and how to check complaint performance in your state.<\/p>\n\n\n\n<p>The state\ufffds insurance department publishes several <a href=\"https:\/\/oci.georgia.gov\/insurance-resources\/home\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">home insurance resources<\/a> that explain what a policy covers, how to find discounts, and tips for choosing deductibles, among other topics. If you live in a high-risk flood zone, you can also look into FEMA\ufffds <a href=\"https:\/\/www.fema.gov\/flood-insurance\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">flood insurance resources<\/a> and learn <a href=\"https:\/\/www.floodsmart.gov\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">how flood insurance can protect your home<\/a>. In addition, Georgia\ufffds Flood Map Program provides tools to check your address, community participation, and potential premium discounts through FEMA\ufffds Community Rating System.<\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"faqs\" title=\"Frequently Asked Questions\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Frequently Asked Questions<\/h2>\n\n\n<div id=\"block_61d619405bb30\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">Does Georgia require flood insurance?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">Flood insurance is not legally required in Georgia (unless it\ufffds a requirement of your mortgage). However, many Georgia homeowners opt to include flood insurance as additional financial protection, given the state&#8217;s proximity to the coast. Standard home insurance policies don\ufffdt cover flood damage, even from natural disasters, which can leave gaps in your coverage.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_61d6194f5bb31\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">How much does home insurance cost in Georgia?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">The average cost of home insurance in Georgia is $1,376 per year, according to 2021 data from Bankrate.com, but keep in mind that every homeowner pays a different rate. Insurance rates vary widely based on how each insurer&#8217;s proprietary risk assessment weighs your ZIP code, age, credit score, claim history, and other factors when calculating your personalized quote.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n            <span class=\"b-toc-anchor\" id=\"methodology\" title=\"Methodology\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Methodology<\/h2>\n\n\n\n<p>We evaluated the companies using recent third-party ratings for customer satisfaction and claims (2024 J.D. Power studies), financial stability (AM Best), complaint performance (NAIC), as well as coverage options and availability to determine which might be the best providers.\ufffda0<\/p>\n\n\n\n<p>To compare home insurance companies across the board, we considered the following factors:<\/p>\n\n\n\n<ul>\n<li>Customer Ratings \ufffd Customer ratings are an indication of satisfaction with the process of filing a claim. We measured this using <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-home-insurance-study\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">2024 J.D. Power Home Insurance Study<\/a> ratings.<\/li>\n\n\n\n<li>Coverage \ufffd As there isn\ufffdt one company to fit everyone\ufffds needs, we evaluated companies by the amount of coverage options and add-ons available.\ufffda0<\/li>\n\n\n\n<li>Confidence \ufffd It is extremely important for insurance companies to fulfill customers\ufffd claims. Companies with sound financial strength ratings indicate a positive history of being able to pay out claims. We measured this using AM Best ratings.<\/li>\n\n\n\n<li>Customer Experience \ufffd The amount of complaints a company receives is an indicator of the overall customer experience as it expresses dissatisfaction. We have based this measure on the National Association of Insurance Commissioners National Complaint Index.<\/li>\n<\/ul>\n\n\n\n<p>Rates and averages referenced in this guide synthesize recent market studies from major consumer sources and are for comparative purposes only; the company-by-company table reflects historical samples and will not match current quotes. Your quotes may be different.<\/p>\n\n\n\n<p>The coverage limits for home insurance rates reflect the following coverage and limits:<\/p>\n\n\n\n<ul>\n<li>Coverage A, Dwelling: $300,000<\/li>\n\n\n\n<li>Coverage B, Other Structures: $25,000<\/li>\n\n\n\n<li>Coverage C, Personal Property: $125,000<\/li>\n\n\n\n<li>Coverage D, Loss of Use: $50,000<\/li>\n\n\n\n<li>Coverage E, Liability: $300,000<\/li>\n\n\n\n<li>Coverage F, Medical Payments: $1,000<\/li>\n<\/ul>\n\n\n\n<p>The homeowners also have a $1,000 deductible and a separate wind and hail deductible (if required).<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Shopping for homeowners insurance in Georgia remains challenging in 2025 amid higher premiums and tighter underwriting. Choosing the best fit requires careful research and side-by-side quotes. Because coverage needs, location risk, budget, and service preferences vary, the best provider will differ for each homeowner.\ufffda0 To help you find the best homeowners insurance in Georgia, Reviews [&hellip;]<\/p>\n","protected":false},"author":345,"featured_media":353409,"parent":1691,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"page-templates\/template-refresh.php","meta":[],"categories":[1268],"tags":[],"post_author":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>The Best Georgia Homeowners Insurance Companies | Reviews.com<\/title>\n<meta name=\"description\" content=\"From rolling green hills to balmy beaches, Georgia offers a lot of diversity for homeowners. 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