Getting Georgia Home Insurance
Having good homeowners insurance in Georgia can give you peace of mind knowing that you’re protected when the unexpected occurs. At The Hartford, we offer coverage that can provide financial protection to your home and its contents when they’re damaged. We’re here to help homeowners in the Peach State when issues happen, like:
Each of these events can cause significant damage to your home. It doesn’t matter if you live in Atlanta, Athens, Marietta, Augusta or anywhere in between.
Homeowners insurance from the AARP
® Homeowners Insurance Program from The Hartford
1 is ready to help protect Georgia residents’ homes from financial loss.
What Is the Average Homeowners Insurance Cost in Georgia?
The average cost of a homeowners insurance premium in Georgia is $1,394, while the national average is $1,428.2
Insurance Rate Factors
When determining the cost of your home insurance policy in Georgia, companies take several factors into account, like your:
- Home’s age
- Location
- Claims history
Georgia Home Insurance Discounts
There are many ways to save on your homeowners insurance in the Peach State. At The Hartford, we offer several types of
homeowners insurance discounts to help lower your premiums.
Are You Required to Have Homeowners Insurance in Georgia?
Homeowners insurance in Georgia is not required by law, unlike
Georgia auto insurance. However, if you finance your home in GA, your lender may require some type of homeowners insurance coverage.
Types of Georgia Homeowners Insurance Coverages
The majority of Georgia homeowners insurance policies from The Hartford come with a wide array of coverages. Below are a few examples, as well as what can be considered covered property:
Dwelling Coverage helps protect your home and the structures directly attached to it. This includes items like your garage, deck, roof, floors and walls.
Other Structures Insurance helps protect structures on your property that are not attached to your house from things like fire, vandalism and falling objects. This can include a car driving into your fence or a tree falling onto your shed.
Loss of Use helps pay your additional living expenses (up to policy limits) if you can’t live in your home due to a covered loss. For example, if your home was damaged from a fire and you can’t stay in it while it’s being repaired, loss of use coverage can help pay for your hotel expenses.
Medical Payments helps protect you if someone is injured on your Georgia property. For example, if someone trips and falls on your property and requires medical attention, this coverage can help cover the costs associated. Keep in mind that bills are paid up to your policy’s limit, whether you’re legally responsible or not.3
Personal Property helps protect your personal belongings such as furniture, clothing and appliances. This protects them against damage or theft no matter where you are.
Personal Liability helps protect you if someone who is not a resident in your home is injured at your house and you’re found liable. It is a crucial home insurance coverage and comes standard with Georgia homeowners policies. In the case of a covered loss, it helps protect you against damages such as:
- Medical expenses
- Lost income
- Pain and suffering
- Legal expenses
- Court costs
More Georgia Homeowners Insurance Coverages:
Valuable Items Blanket is an additional coverage that can be added to your policy with the AARP Homeowners Insurance Program from The Hartford. Your homeowners policy caps coverage for theft on jewelry up to a $1,500 limit. However, with The Hartford’s Valuable Items Blanket Coverage, that can increase to $10,000 per item for valuables like crystal, silverware, jewelry, china, guns and more. This coverage can also help cover lost or mysterious disappearances.
Homeowners Equipment Breakdown Coverage helps cover mechanical or electrical breakdowns in your home and can help protect your appliances or furnace. It will also pay up to 125% of your costs to make “green” upgrades to replace any covered equipment with similar items that are more energy efficient or environmentally friendly. Keep in mind this does not include coverage for normal wear and tear.
Full Replacement Cost coverage helps pay the cost to rebuild your home if it is a total loss up to 125% of your coverage limits.
Rental Property Protection Plus protects you as a landlord for the rental units you own.
Rental property insurance coverage includes the replacement cost of your rental dwelling, optional coverage for detached structures, fair rental value and more.
Home Security Discount
We reward our customers for taking the initiative to protect their homes. That’s why installing devices such as alarm and fire sprinkler systems can help lower your premium. You can also save money with fire protection systems and more.
Bundled Insurance Discount**
If you already have a car insurance policy with The Hartford, bundling it with your GA homeowners insurance means you’ll qualify for our bundled policy discount.
Protect Your Home With The Hartford
Find out what benefits you can get with a homeowners insurance policy from The Hartford. Call our specialists at
800-624-5578 to see what discounts you qualify for and get the coverage your home needs.
Last Updated: July 6, 2023
2 Bankrate, “Average homeowners insurance cost in June 2023”
3 Medical benefits are calculated on the basis of usual, customary, and reasonable charges.