Georgia homeowners insurance

From modern Atlanta to the primitive Okefenokee Swamp on the state's southern border, and so much more in between, the Peach State offers a multitude of experiences. Progressive has something to offer Georgia homeowners, too: customizable, affordable home insurance. So whether you're a current or future homeowner in Georgia, check out information about Progressive's home insurance coverages and discounts.

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How you're covered

Georgia doesn't require homeowners insurance by law, but if you finance your home, your lender may require you to have a homeowners insurance policy in place. Your policy's coverages are designed to safeguard your property and assets. A typical policy will include the following:

  • Dwelling coverage protects your home's structure (roof, walls, etc.) as well as attached structures, like a porch.
  • Other structures coverage protects detached structures, such as a fence or shed.
  • Personal property coverage protects your personal belongings, including furniture, clothing, and electronics. Certain items, like jewelry, art, and collectibles, are often only covered up to a specific limit, so you may want to purchase an endorsement to schedule these items on your policy at the coverage amount needed, also known as "adding a rider.”
  • Personal liability coverage protects you financially if you're legally responsible for another person's injuries or damage to their property.
  • Medical payments to others pays for medical expenses due to a covered occurrence.
  • Loss of use coverage helps cover costs associated with an increase in living expenses, up to your policy's limit, if you're unable to stay in your home while it's being repaired or rebuilt due to a covered loss.

Keep in mind, coverage under your policy is subject to exclusions and conditions within your policy. It’s important to read your policy to understand the coverage provided.

Learn more about homeowners insurance coverages.

Common claims in Georgia

Tornadoes are less of a concern for Georgians than for people in neighboring states, but they do cause issues from time to time, depending on where in Georgia you live. Hurricanes, thunderstorms, and heavy winds are also potential sources of harm to Georgia homes. Your home insurance policy may cover damage to your home's structure and belongings caused by these perils, up to your policy's limits and minus your deductible.

Learn more about how home insurance could cover damage caused by severe weather.

Due to rising water levels, Georgia homes situated near any body of water – like the Atlantic Ocean or the Chattahoochee River, for instance – can experience flooding issues. A flood insurance policy may protect your property and belongings from flood damage.

Helping you save

Progressive offers several discounts to help you save on homeowners insurance policies. Some of the most common discounts include:

  • Alarm System
  • Multi-policy
  • Quote in Advance
  • New Purchase

Learn more about the home insurance discounts we offer.

Pro tip:

When it comes to shopping for home insurance, Progressive's Home Quote Explorer® tool gives you the power, helping you compare rates and coverages from multiple companies.

How much is homeowners insurance in Georgia?

Your cost for Georgia homeowners insurance varies based on many components, including your location, type of home, and coverage limits. Learn more about factors affecting home insurance pricing.

Are you looking to rent out a home you've purchased in Georgia?

If you own a rental property in Georgia, make sure it's protected with the right type of insurance policy. Learn more about landlord insurance policies and insurance for vacation or vacant homes.

Fun facts about homes in Georgia

  1. You'll find historically notable Georgia houses in Historic Districts, such as the childhood home of civil rights leader Martin Luther King, Jr. in Atlanta, and Girl Scouts founder, Juliette Gordon Low, in Savannah.

  2. The "Swan House," designed by Philip T. Shutze and used as a filming location in The Hunger Games movies, dates back to the 1920s and was later acquired by the Atlanta Historical Society.

  3. Atlanta’s oldest home was built in 1856 and is located on Peeples Street in the West End.

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