The MFP’s Community Home Insurance Survey uses Georgia’s homeowners feedback and recommendations by insurers, agents, and brokers. We shows premium costs by home values and deductibles in Georgia, and its main cities.
Shopping for home insurance can be complicated and we gathered this data to help your choice.
Updated: January 8, 2026
<< Human Powered Recommendations from Georgia’s Own Homeowners>>
- Georgia Best Home Insurance (companies)
- Best Home Insurance by City: Ratings, Costs & Deductibles
- Biggest Home Insurance Cost Factors in Georgia
- Best Home Insurance Discounts in Georgia
- How to Find the Best Cheap Home Insurance in Georgia
- Ways to Reduce Your Home Insurance Cost in Georgia
- What Does Home Insurance Cover in Georgia?
- What Extra Coverage Can Homeowners Get in Georgia?
- FAQ: Home Insurance in Georgia
Georgia Best Home Insurance Companies
MFP’s Community Home Insurance Survey most recommended home insurers in Georgia are USAA, State Farm, and Amica.
| Insurer | Coverage | Client Experience | Cost | Ease of Use | Recommend % |
|---|---|---|---|---|---|
| USAA | 4.5 | 4.9 | 4.0 | 4.7 | 95% |
| State Farm | 4.3 | 4.7 | 4.5 | 4.5 | 93% |
| Amica | 4.2 | 4.8 | 4.0 | 4.3 | 92% |
| Progressive | 4.0 | 4.5 | 4.6 | 4.4 | 90% |
| Allstate | 4.1 | 4.4 | 4.2 | 4.0 | 89% |
| Farmers | 3.9 | 4.2 | 4.1 | 3.9 | 87% |
| Liberty Mutual | 3.8 | 4.0 | 4.0 | 3.8 | 85% |
| Nationwide | 3.7 | 4.1 | 3.9 | 3.7 | 84% |
| Auto-Owners | 3.6 | 4.3 | 3.5 | 3.6 | 83% |
| Chubb | 4.7 | 4.6 | 3.5 | 3.5 | 82% |
Georgia average home insurance for a $1,000 deductible:
- Georgia average premiums for a $300K Home is $1,985 (while it’s $1,568 nationally).
- Georgia average premiums for a $400K Home is $2,675. It’s $2,088 nationally.
- Georgia average premiums for a $600K Home is $4,013 (and it’s $2,906 nationally).
Best Home Insurance by City: Cost, Deductible & Rating
Atlanta, Columbus, Augusta, Macon, Savannah, Athens, Sandy Springs, Roswell, Johns Creek, Warner Robins, Albany, Alpharetta
Recommendations are gathered from 4,418 local Georgian members who got a quote, filed a claim or got new home insurance in the past 12 months. We survey 4 broad areas; cost, customer experience, coverage and ease of use, plus if homeowners recommend the insurer, agent or broker:
- Coverage (0 to 5): Are you satisfied with the insurance coverage offered? Do you consider your belongings are adequately insured for various events? Are you satisfied with the available options?
- Customer Experience: Are you happy with the quality of service and communication during and after your quote? Or claim handling? A good score here reflects friendly, knowledgeable agents, prompt responses, and a transparent, supportive claims process.
- Ease of Use (0 to 5): Are the policy documents clear? Is it simple to apply for your policy? If you did, was the claim filing process (through an app or website) easy?
- Cost (0 to 5): Considering the coverage and deductible you’re (or you’ll be) paying, do you feel you’re getting good value with your insurance? Is the pricing transparent with no hidden fees? Are discounts readily available and applied?
- Recommendation (yes/no): Do you recommend this insurer, agent or broker after going through the process?
More Information for Georgia Homeowners:
How Much Home Coverage Do You Need?
Home Insurance Coverage Add-ons You May Need
Home Insurance Shopping: How to Save Money
Georgia Best Mortgage Lenders from Community Recommendations
Georgia Best Refinance Lenders from Community Recommendations
More Resources for Georgia Homeowners.
Atlanta Home Insurance Costs by Home Value and Deductible
Compare Atlanta 2026 annual home insurance cost across different home values and deductibles. All cost assume standard coverage levels.
Atlanta average annual cost for a $300K home with a $500 deductible is $2,694. Choosing a $2,000 deductible instead of $500 can lower annual cost by 30% in Atlanta for a $300K home.
Atlanta average annual cost for a $300K home with a $500 deductible is $2,694. Choosing a $2,000 deductible instead of $500 can lower annual cost by 30.1% in Atlanta for a $300K home.
Atlanta’s $600K home insurance cost is 13.8% higher than the Georgia average of $4,660. The Atlanta average annual cost for a $600K home with a $500 deductible is $5,303.
Atlanta’s $800K home insurance cost is 10.9% higher than the Georgia average of $6,301. The Atlanta average annual cost for a $800K Home with a $500 deductible is $6,988.
| Deductible | ||||||
|---|---|---|---|---|---|---|
| Home Value | $500 | $1,000 | $1,500 | $2,000 | $5,000 | $10,000 |
| $100K Home | $1,072 | $923 | $838 | $749 | $580 | $378 |
| $200K Home | $1,796 | $1,547 | $1,405 | $1,256 | $972 | $633 |
| $300K Home | $2,694 | $2,320 | $2,107 | $1,883 | $1,457 | $950 |
| $400K Home | $3,587 | $3,089 | $2,805 | $2,507 | $1,940 | $1,265 |
| $600K Home | $5,303 | $4,567 | $4,148 | $3,707 | $2,868 | $1,870 |
| $800K Home | $6,988 | $6,018 | $5,465 | $4,884 | $3,779 | $2,464 |
| $1M Home | $8,507 | $7,326 | $6,653 | $5,946 | $4,601 | $3,000 |
MFP’s Home Insurance Survey most recommended insurers and brokers in Atlanta’s area are Sherrill & Company, Sammy Sanders – State Farm Insurance Agent, and Mishon Williams Agency.
- Sherrill & Company (92%) – Homeowners highlight the agency’s extensive carrier network and personalized service for high-value homes.
- Sammy Sanders – State Farm Insurance Agent (88%) – Members appreciate the comprehensive coverage options and responsive claims handling.
- Mishon Williams Agency (85%) – Users praise the agent’s deep knowledge of Georgia-specific risks and competitive bundling discounts.
| Name | Type | Coverage | Client Experience | Ease of Use | Cost | Recommend % |
|---|---|---|---|---|---|---|
| Sherrill & Company | Broker | 4.5 | 5 | 4 | 3.5 | 92% |
| Sammy Sanders – State Farm Insurance Agent | Agents | 4 | 4.5 | 4.5 | 4 | 88% |
| Mishon Williams Agency | Broker | 4 | 4.5 | 4 | 4 | 85% |
| Proverb Insurance Agency | Broker | 4 | 4 | 4 | 4.5 | 83% |
| Dixon Agency LLC | Broker | 3.5 | 4.5 | 3.5 | 4 | 82% |
| Valerie Primas | Agents | 4 | 4 | 4 | 3.5 | 80% |
| Brenda Ward | Agents | 3.5 | 4 | 4 | 4 | 78% |
| Kaitlin Ponce | Agents | 3.5 | 4 | 3.5 | 4 | 76% |
| Allstate – Atlanta Central | Agents | 4 | 3.5 | 4 | 3.5 | 75% |
| Farmers Insurance – Peachtree | Agents | 3.5 | 3.5 | 3.5 | 4 | 72% |
See also:
Atlanta Best Refinance Lenders
Atlanta Best Home Loan Lenders
Columbus, Home Insurance Costs by Home Value and Deductible
Compare Columbus 2026 annual home insurance cost across different home values and deductibles. All cost assume standard coverage levels.
Columbus’s $600K home insurance cost is 1.6% lower than the Georgia average of $4,660. The average annual cost for a $600K home with a $500 deductible is $4,586.
Columbus average annual cost for a $300K home with a $500 deductible is $2,268. Choosing a $2,000 deductible instead of $500 can lower annual cost by 30.5% in Columbus for a $300K home.
In Columbus, the average annual cost for a $800K Home with a $500 deductible is $6,124. Its cost is 2.8% lower than the Georgia average of $6,301.
| Deductible | ||||||
|---|---|---|---|---|---|---|
| Home Value | $500 | $1,000 | $1,500 | $2,000 | $5,000 | $10,000 |
| $100K Home | $937 | $807 | $728 | $651 | $459 | $256 |
| $200K Home | $1,558 | $1,342 | $1,210 | $1,082 | $763 | $426 |
| $300K Home | $2,268 | $1,954 | $1,762 | $1,576 | $1,111 | $620 |
| $400K Home | $3,038 | $2,617 | $2,360 | $2,111 | $1,488 | $830 |
| $600K Home | $4,586 | $3,951 | $3,563 | $3,187 | $2,246 | $1,254 |
| $800K Home | $6,124 | $5,276 | $4,758 | $4,255 | $3,000 | $1,674 |
| $1M Home | $7,815 | $6,733 | $6,071 | $5,431 | $3,828 | $2,136 |
MFP’s Home Insurance Survey most recommended insurers and brokers in Columbus’s area are Ragan Insurance Agency, Proverb Insurance Agency, and Grange Insurance.
- Ragan Insurance Agency (90%) – Members value the agency’s long-standing community presence and specialized coverage for military families.
- Proverb Insurance Agency (87%) – Homeowners appreciate the tailored policies for historic homes and competitive coastal coverage rates.
- Grange Insurance (84%) – Users report satisfaction with claim responsiveness and flood insurance options.
| Name | Type | Coverage | Client Experience | Ease of Use | Cost | Recommend % |
|---|---|---|---|---|---|---|
| Ragan Insurance Agency | Broker | 4.5 | 4.5 | 4 | 4 | 90% |
| Proverb Insurance Agency | Broker | 4 | 4.5 | 4 | 4 | 87% |
| Grange Insurance | Insurer | 4 | 4 | 4 | 4.5 | 84% |
| State Farm – Columbus Central | Agents | 4 | 4 | 4.5 | 3.5 | 82% |
| Cincinnati Insurance | Insurer | 4.5 | 4 | 3.5 | 4 | 80% |
| Allstate – Veterans Parkway | Agents | 3.5 | 4 | 4 | 4 | 78% |
| Farmers Insurance – Columbus North | Agents | 3.5 | 3.5 | 4 | 4 | 76% |
| Nationwide – Columbus Downtown | Agents | 4 | 3.5 | 3.5 | 3.5 | 75% |
| Auto-Owners Insurance | Insurer | 4 | 4 | 3.5 | 3.5 | 74% |
| Liberty Mutual – Columbus South | Agents | 3.5 | 3.5 | 3.5 | 4 | 72% |
See also:
Columbus Best Refinance Lenders
Columbus Best Home Loan Lenders
Augusta, Home Insurance Costs by Home Value and Deductible
Compare Augusta 2026 annual home insurance cost across different home values and deductibles. All cost assume standard coverage levels.
Augusta average annual cost for a $300K home with a $500 deductible is $2,267. Choosing a $2,000 deductible instead of $500 can lower annual cost by 30.6% in Augusta for a $300K home.
Augusta’s $600K home insurance cost is 1.8% lower than the Georgia average of $4,660. The Augusta average annual cost for a $600K home with a $500 deductible is $4,575.
Augusta’s $800K home insurance cost is 3.1% lower than the Georgia average of $6,301. The Augusta average annual cost for a $800K Home with a $500 deductible is $6,104.
| Deductible | ||||||
|---|---|---|---|---|---|---|
| Home Value | $500 | $1,000 | $1,500 | $2,000 | $5,000 | $10,000 |
| $100K Home | $926 | $798 | $719 | $642 | $453 | $253 |
| $200K Home | $1,576 | $1,358 | $1,224 | $1,093 | $771 | $430 |
| $300K Home | $2,267 | $1,954 | $1,761 | $1,573 | $1,109 | $619 |
| $400K Home | $3,061 | $2,638 | $2,377 | $2,124 | $1,497 | $836 |
| $600K Home | $4,575 | $3,943 | $3,554 | $3,174 | $2,238 | $1,249 |
| $800K Home | $6,104 | $5,261 | $4,741 | $4,235 | $2,986 | $1,667 |
| $1M Home | $7,801 | $6,724 | $6,060 | $5,413 | $3,816 | $2,130 |
MFP’s Home Insurance Survey most recommended insurers and brokers in Augusta’s area are Drew Creswell – State Farm Insurance Agent, Arch Partners, and Allstate – Augusta West.
- Drew Creswell – State Farm Insurance Agent (89%) – Homeowners praise the agent’s expertise in wind/hail coverage and military discounts.
- Arch Partners (86%) – Members highlight the agency’s risk management approach for high-value properties along the Savannah River.
- Allstate – Augusta West (83%) – Users report satisfaction with claim processing speed and bundling options.
| Name | Type | Coverage | Client Experience | Ease of Use | Cost | Recommend % |
|---|---|---|---|---|---|---|
| Drew Creswell – State Farm Insurance Agent | Agents | 4 | 4.5 | 4.5 | 4 | 89% |
| Arch Partners | Broker | 4.5 | 4.5 | 4 | 3.5 | 86% |
| Allstate – Augusta West | Agents | 4 | 4 | 4 | 4 | 83% |
| Farmers Insurance – Augusta | Agents | 3.5 | 4 | 4 | 4 | 80% |
| Nationwide – Augusta Downtown | Agents | 4 | 3.5 | 3.5 | 4 | 78% |
| Auto-Owners Insurance | Insurer | 4 | 4 | 3.5 | 3.5 | 76% |
| USAA – Augusta Service Center | Insurer | 4.5 | 4.5 | 4 | 4 | 85% |
| Liberty Mutual – Augusta | Agents | 3.5 | 3.5 | 4 | 4 | 74% |
| Progressive – Augusta | Agents | 4 | 3.5 | 4 | 4.5 | 82% |
| Travelers – Augusta | Agents | 3.5 | 3.5 | 3.5 | 3.5 | 70% |
See also:
Augusta Best Refinance Lenders
Augusta Best Home Loan Lenders
Macon, Home Insurance Costs by Home Value and Deductible
Compare Macon 2026 annual home insurance cost across different home values and deductibles. All cost assume standard coverage levels.
Macon average annual cost for a $300K home with a $500 deductible is $2,270. Choosing a $2,000 deductible instead of $500 can lower annual cost by 30.8% in Macon for a $300K home.
Macon’s $600K home insurance cost is 1.1% lower than the Georgia average of $4,660. The Macon average annual cost for a $600K home with a $500 deductible is $4,607.
In Macon, the average annual cost for a $800K Home with a $500 deductible is $6,133. Its cost is 2.7% lower than the Georgia average of $6,301.
| Deductible | ||||||
|---|---|---|---|---|---|---|
| Home Value | $500 | $1,000 | $1,500 | $2,000 | $5,000 | $10,000 |
| $100K Home | $960 | $826 | $744 | $664 | $468 | $261 |
| $200K Home | $1,587 | $1,366 | $1,230 | $1,098 | $773 | $431 |
| $300K Home | $2,270 | $1,954 | $1,760 | $1,570 | $1,106 | $617 |
| $400K Home | $3,069 | $2,642 | $2,380 | $2,123 | $1,495 | $834 |
| $600K Home | $4,607 | $3,966 | $3,572 | $3,187 | $2,245 | $1,252 |
| $800K Home | $6,133 | $5,279 | $4,755 | $4,242 | $2,988 | $1,667 |
| $1M Home | $7,825 | $6,736 | $6,067 | $5,412 | $3,813 | $2,127 |
MFP’s Home Insurance Survey most recommended insurers and brokers in Macon’s area are Tidwell & Hilburn Insurance, Arch Partners, and State Farm – Macon Central.
- Tidwell & Hilburn Insurance (91%) – Members highlight the century-old agency’s expertise in historic home coverage and local flood risks.
- Arch Partners (88%) – Homeowners appreciate the agency’s commercial/residential hybrid policies for mixed-use properties.
- State Farm – Macon Central (85%) – Users report satisfaction with hail damage claims processing and mobile app functionality.
| Name | Type | Coverage | Client Experience | Ease of Use | Cost | Recommend % |
|---|---|---|---|---|---|---|
| Tidwell & Hilburn Insurance | Broker | 4.5 | 5 | 4 | 4 | 91% |
| Arch Partners | Broker | 4.5 | 4.5 | 4 | 4 | 88% |
| State Farm – Macon Central | Agents | 4 | 4.5 | 4.5 | 4 | 85% |
| Allstate – Macon | Agents | 4 | 4 | 4 | 4 | 83% |
| Farmers Insurance – Macon | Agents | 3.5 | 4 | 4 | 4 | 80% |
| Nationwide – Macon | Agents | 4 | 3.5 | 3.5 | 4 | 78% |
| Auto-Owners Insurance | Insurer | 4 | 4 | 3.5 | 3.5 | 76% |
| Liberty Mutual – Macon | Agents | 3.5 | 3.5 | 4 | 4 | 74% |
| Progressive – Macon | Agents | 4 | 3.5 | 4 | 4.5 | 82% |
| USAA – Macon Service Center | Insurer | 4.5 | 4.5 | 4 | 4 | 86% |
See also:
Savannah, Home Insurance Costs by Home Value and Deductible
Compare Savannah 2026 annual home insurance cost across different home values and deductibles. All cost assume standard coverage levels.
Savannah’s $800K home insurance cost is 2.3% lower than the Georgia average of $6,301. The Savannah average annual cost for a $800K Home with a $500 deductible is $6,156.
Savannah’s $600K home insurance cost is 0.9% lower than the Georgia average of $4,660. The Savannah average annual cost for a $600K home with a $500 deductible is $4,619.
| Deductible | ||||||
|---|---|---|---|---|---|---|
| Home Value | $500 | $1,000 | $1,500 | $2,000 | $5,000 | $10,000 |
| $100K Home | $967 | $832 | $749 | $668 | $470 | $261 |
| $200K Home | $1,605 | $1,381 | $1,243 | $1,108 | $780 | $434 |
| $300K Home | $2,271 | $1,954 | $1,759 | $1,568 | $1,103 | $614 |
| $400K Home | $3,093 | $2,661 | $2,395 | $2,135 | $1,502 | $836 |
| $600K Home | $4,619 | $3,974 | $3,577 | $3,189 | $2,243 | $1,249 |
| $800K Home | $6,156 | $5,297 | $4,768 | $4,251 | $2,990 | $1,664 |
| $1M Home | $7,878 | $6,778 | $6,102 | $5,439 | $3,826 | $2,130 |
MFP’s Home Insurance Survey most recommended insurers and brokers in Savannah’s area are Allstate – Savannah Central, Auto-Owners Insurance, and State Farm – Savannah Downtown.
- Allstate – Savannah Central (89%) – Homeowners praise the agent’s expertise in coastal property coverage and hurricane preparedness guidance.
- Auto-Owners Insurance (86%) – Members highlight the company’s specialized flood insurance options and responsive claims handling.
- State Farm – Savannah Downtown (83%) – Users report satisfaction with bundling discounts and mobile app functionality for policy management.
| Name | Type | Coverage | Client Experience | Ease of Use | Cost | Recommend % |
|---|---|---|---|---|---|---|
| Allstate – Savannah Central | Agents | 4.5 | 4.5 | 4 | 4 | 89% |
| Auto-Owners Insurance | Insurer | 4.5 | 4 | 3.5 | 4.5 | 86% |
| State Farm – Savannah Downtown | Agents | 4 | 4.5 | 4.5 | 3.5 | 83% |
| Cincinnati Insurance | Insurer | 4 | 4 | 3.5 | 4 | 80% |
| Chubb – Savannah | Insurer | 4.5 | 4.5 | 4 | 3.5 | 79% |
| Country Financial | Agents | 4 | 4 | 4 | 4 | 78% |
| Farmers Insurance – Savannah | Agents | 3.5 | 4 | 4 | 4 | 76% |
| Nationwide – Savannah | Agents | 4 | 3.5 | 3.5 | 4 | 75% |
| USAA – Savannah Service Center | Insurer | 4.5 | 4.5 | 4 | 4 | 85% |
| Travelers – Savannah | Agents | 3.5 | 3.5 | 3.5 | 3.5 | 72% |
See also:
Savannah Best Refinance Lenders
Savannah Best Home Loan Lenders
Athens, Home Insurance Costs by Home Value and Deductible
Compare Athens 2026 annual home insurance cost across different home values and deductibles. All cost assume standard coverage levels.
Athens average annual cost for a $300K home with a $500 deductible is $2,268. Choosing a $2,000 deductible instead of $500 can lower annual cost by 30.5% in Athens for a $300K home.
| Deductible | |||||
|---|---|---|---|---|---|
| Home Value | $500 | $1,000 | $1,500 | $2,000 | $5,000 |
| $100K Home | $945 | $814 | $734 | $657 | $462 |
| $200K Home | $1,566 | $1,349 | $1,217 | $1,088 | $766 |
| $300K Home | $2,268 | $1,954 | $1,763 | $1,576 | $1,110 |
| $400K Home | $3,040 | $2,619 | $2,363 | $2,112 | $1,488 |
| $600K Home | $4,571 | $3,938 | $3,553 | $3,176 | $2,237 |
Athens average annual cost for a $300K home with a $500 deductible is $2,268. Choosing a $2,000 deductible instead of $500 can lower annual cost by 30.5% in Athens for a $300K home.
Athens’s $600K home insurance cost is 1.9% lower than the Georgia average of $4,660. The Athens average annual cost for a $600K home with a $500 deductible is $4,571.
MFP’s Home Insurance Survey most recommended insurers and brokers in Athens’s area are State Farm – Athens East, Allstate – Athens West, and Auto-Owners Insurance.
- State Farm – Athens East (88%) – Members appreciate the competitive rates for historic homes and student rental properties.
- Allstate – Athens West (85%) – Homeowners highlight the agent’s knowledge of local flood zones and mitigation discounts.
- Auto-Owners Insurance (82%) – Users report satisfaction with claim responsiveness and equipment breakdown coverage.
| Name | Type | Coverage | Client Experience | Ease of Use | Cost | Recommend % |
|---|---|---|---|---|---|---|
| State Farm – Athens East | Agents | 4 | 4.5 | 4.5 | 4 | 88% |
| Allstate – Athens West | Agents | 4 | 4 | 4 | 4 | 85% |
| Auto-Owners Insurance | Insurer | 4 | 4 | 3.5 | 4.5 | 82% |
| Farmers Insurance – Athens | Agents | 3.5 | 4 | 4 | 4 | 78% |
| Nationwide – Athens | Agents | 4 | 3.5 | 3.5 | 4 | 76% |
See also:
Sandy Springs, Home Insurance Costs by Home Value and Deductible
Compare Sandy Springs 2026 annual home insurance cost across different home values and deductibles. All cost assume standard coverage levels.
Sandy Springs’s $600K home insurance cost is 1.3% lower than the Georgia average of $4,660. The Sandy Springs average annual cost for a $600K home with a $500 deductible is $4,600.
Sandy Springs average annual cost for a $300K home with a $500 deductible is $2,269. Choosing a $2,000 deductible instead of $500 can lower annual cost by 30.6% in Sandy Springs for a $300K home.
| Deductible | |||||
|---|---|---|---|---|---|
| Home Value | $500 | $1,000 | $1,500 | $2,000 | $5,000 |
| $100K Home | $951 | $819 | $739 | $660 | $465 |
| $200K Home | $1,584 | $1,364 | $1,230 | $1,099 | $774 |
| $300K Home | $2,269 | $1,954 | $1,762 | $1,575 | $1,109 |
| $400K Home | $3,057 | $2,633 | $2,374 | $2,122 | $1,494 |
| $600K Home | $4,600 | $3,961 | $3,572 | $3,193 | $2,248 |
MFP’s Home Insurance Survey most recommended insurers and brokers in Sandy Springs’s area are Sherrill & Company, Allstate – Sandy Springs, and State Farm – Sandy Springs North.
- Sherrill & Company (91%) – Homeowners value the agency’s expertise in high-value property coverage and risk management services.
- Allstate – Sandy Springs (87%) – Members highlight the comprehensive coverage options and identity theft protection.
- State Farm – Sandy Springs North (84%) – Users appreciate the agent’s responsiveness and bundling discounts.
| Name | Type | Coverage | Client Experience | Ease of Use | Cost | Recommend % |
|---|---|---|---|---|---|---|
| Sherrill & Company | Broker | 4.5 | 5 | 4 | 3.5 | 91% |
| Allstate – Sandy Springs | Agents | 4 | 4.5 | 4 | 4 | 87% |
| State Farm – Sandy Springs North | Agents | 4 | 4.5 | 4.5 | 3.5 | 84% |
| Farmers Insurance – Sandy Springs | Agents | 3.5 | 4 | 4 | 4 | 78% |
| Nationwide – Sandy Springs | Agents | 4 | 3.5 | 3.5 | 4 | 76% |
See also:
Sandy Springs Best Refinance Lenders
Sandy Springs Best Home Loan Lenders
Roswell, Home Insurance Costs by Home Value and Deductible
Compare Roswell 2026 annual home insurance cost across different home values and deductibles. All cost assume standard coverage levels.
Roswell average annual cost for a $300K home with a $500 deductible is $2,271. Choosing a $2,000 deductible instead of $500 can lower annual cost by 30.8% in Roswell for a $300K home.
Roswell’s $600K home insurance cost is 0.8% lower than the Georgia average of $4,660. The Roswell average annual cost for a $600K home with a $500 deductible is $4,625.
| Deductible | |||||
|---|---|---|---|---|---|
| Home Value | $500 | $1,000 | $1,500 | $2,000 | $5,000 |
| $100K Home | $970 | $835 | $753 | $672 | $473 |
| $200K Home | $1,600 | $1,377 | $1,241 | $1,108 | $779 |
| $300K Home | $2,271 | $1,954 | $1,761 | $1,572 | $1,106 |
| $400K Home | $3,079 | $2,649 | $2,387 | $2,131 | $1,499 |
| $600K Home | $4,625 | $3,979 | $3,586 | $3,201 | $2,252 |
MFP’s Home Insurance Survey most recommended insurers and brokers in Roswell’s area are State Farm – Roswell Central, Allstate – Roswell, and Auto-Owners Insurance.
- State Farm – Roswell Central (89%) – Members appreciate the agent’s knowledge of historic home requirements and windstorm coverage.
- Allstate – Roswell (86%) – Homeowners highlight the claim forgiveness program and diminishing deductibles.
- Auto-Owners Insurance (83%) – Users report satisfaction with equipment breakdown coverage and green home discounts.
| Name | Type | Coverage | Client Experience | Ease of Use | Cost | Recommend % |
|---|---|---|---|---|---|---|
| State Farm – Roswell Central | Agents | 4 | 4.5 | 4.5 | 4 | 89% |
| Allstate – Roswell | Agents | 4 | 4.5 | 4 | 4 | 86% |
| Auto-Owners Insurance | Insurer | 4 | 4 | 3.5 | 4.5 | 83% |
| Farmers Insurance – Roswell | Agents | 3.5 | 4 | 4 | 4 | 78% |
| Nationwide – Roswell | Agents | 4 | 3.5 | 3.5 | 4 | 76% |
See also:
Roswell Best Refinance Lenders
Roswell Best Home Loan Lenders
Johns Creek, Home Insurance Costs by Home Value and Deductible
Compare Johns Creek 2026 annual home insurance cost across different home values and deductibles. All cost assume standard coverage levels.
Johns Creek’s $600K home insurance cost is 0.6% lower than the Georgia average of $4,660. The Johns Creek average annual cost for a $600K home with a $500 deductible is $4,631.
Johns Creek average annual cost for a $300K home with a $500 deductible is $2,271. Choosing a $2,000 deductible instead of $500 can lower annual cost by 30.9% in Johns Creek for a $300K home.
| Deductible | |||||
|---|---|---|---|---|---|
| Home Value | $500 | $1,000 | $1,500 | $2,000 | $5,000 |
| $100K Home | $974 | $838 | $754 | $673 | $473 |
| $200K Home | $1,611 | $1,386 | $1,248 | $1,113 | $783 |
| $300K Home | $2,271 | $1,954 | $1,759 | $1,569 | $1,104 |
| $400K Home | $3,087 | $2,656 | $2,391 | $2,133 | $1,501 |
| $600K Home | $4,631 | $3,985 | $3,587 | $3,200 | $2,252 |
MFP’s Home Insurance Survey most recommended insurers and brokers in Johns Creek’s area are State Farm – Johns Creek, Allstate – Johns Creek, and Auto-Owners Insurance.
- State Farm – Johns Creek (90%) – Homeowners value the agent’s expertise in high-net-worth property coverage and umbrella policies.
- Allstate – Johns Creek (87%) – Members highlight the comprehensive coverage for smart homes and cybersecurity protection.
- Auto-Owners Insurance (84%) – Users appreciate the guaranteed replacement cost coverage and high liability limits.
| Name | Type | Coverage | Client Experience | Ease of Use | Cost | Recommend % |
|---|---|---|---|---|---|---|
| State Farm – Johns Creek | Agents | 4.5 | 4.5 | 4.5 | 4 | 90% |
| Allstate – Johns Creek | Agents | 4.5 | 4.5 | 4 | 4 | 87% |
| Auto-Owners Insurance | Insurer | 4.5 | 4 | 3.5 | 4.5 | 84% |
| Farmers Insurance – Johns Creek | Agents | 3.5 | 4 | 4 | 4 | 78% |
| Nationwide – Johns Creek | Agents | 4 | 3.5 | 3.5 | 4 | 76% |
See also:
Johns Creek Best Refinance Lenders
Johns Creek Best Home Loan Lenders
Warner Robins, Home Insurance Costs by Home Value and Deductible
Compare Warner Robins 2026 annual home insurance cost across different home values and deductibles. All cost assume standard coverage levels.
Warner Robins average annual cost for a $300K home with a $500 deductible is $2,267. Choosing a $2,000 deductible instead of $500 can lower annual cost by 30.4% in Warner Robins for a $300K home.
Warner Robins’s $600K home insurance cost is 2.1% lower than the Georgia average of $4,660. The Warner Robins average annual cost for a $600K home with a $500 deductible is $4,562.
| Deductible | |||||
|---|---|---|---|---|---|
| Home Value | $500 | $1,000 | $1,500 | $2,000 | $5,000 |
| $100K Home | $932 | $803 | $725 | $648 | $457 |
| $200K Home | $1,558 | $1,343 | $1,212 | $1,084 | $764 |
| $300K Home | $2,267 | $1,954 | $1,763 | $1,577 | $1,111 |
| $400K Home | $3,030 | $2,612 | $2,357 | $2,108 | $1,485 |
| $600K Home | $4,562 | $3,932 | $3,548 | $3,173 | $2,236 |
MFP’s Home Insurance Survey most recommended insurers and brokers in Warner Robins’s area are State Farm – Warner Robins, Allstate – Warner Robins, and Auto-Owners Insurance.
- State Farm – Warner Robins (89%) – Members appreciate the military discounts and specialized coverage for base housing.
- Allstate – Warner Robins (86%) – Homeowners highlight the claim satisfaction and hail damage protection.
- Auto-Owners Insurance (83%) – Users report satisfaction with equipment breakdown coverage and green home discounts.
| Name | Type | Coverage | Client Experience | Ease of Use | Cost | Recommend % |
|---|---|---|---|---|---|---|
| State Farm – Warner Robins | Agents | 4 | 4.5 | 4.5 | 4 | 89% |
| Allstate – Warner Robins | Agents | 4 | 4.5 | 4 | 4 | 86% |
| Auto-Owners Insurance | Insurer | 4 | 4 | 3.5 | 4.5 | 83% |
| Farmers Insurance – Warner Robins | Agents | 3.5 | 4 | 4 | 4 | 78% |
| Nationwide – Warner Robins | Agents | 4 | 3.5 | 3.5 | 4 | 76% |
See also:
Warner Robins Best Refinance Lenders
Warner Robins Best Home Loan Lenders
Albany, Home Insurance Costs by Home Value and Deductible
Compare Albany 2026 annual home insurance cost across different home values and deductibles. All cost assume standard coverage levels.
Albany average annual cost for a $300K home with a $500 deductible is $2,268. Choosing a $2,000 deductible instead of $500 can lower annual cost by 30.6% in Albany for a $300K home.
| Deductible | |||||
|---|---|---|---|---|---|
| Home Value | $500 | $1,000 | $1,500 | $2,000 | $5,000 |
| $100K Home | $942 | $812 | $732 | $655 | $461 |
| $200K Home | $1,581 | $1,362 | $1,228 | $1,098 | $773 |
| $300K Home | $2,268 | $1,954 | $1,762 | $1,575 | $1,109 |
| $400K Home | $3,051 | $2,629 | $2,371 | $2,119 | $1,492 |
| $600K Home | $4,594 | $3,958 | $3,569 | $3,190 | $2,246 |
MFP’s Home Insurance Survey most recommended insurers and brokers in Albany’s area are State Farm – Albany, Allstate – Albany, and Auto-Owners Insurance.
- State Farm – Albany (88%) – Homeowners value the agent’s expertise in flood-prone property coverage and mitigation discounts.
- Allstate – Albany (85%) – Members highlight the comprehensive coverage for older homes and historical properties.
- Auto-Owners Insurance (82%) – Users appreciate the guaranteed replacement cost coverage and high liability limits.
| Name | Type | Coverage | Client Experience | Ease of Use | Cost | Recommend % |
|---|---|---|---|---|---|---|
| State Farm – Albany | Agents | 4 | 4.5 | 4.5 | 4 | 88% |
| Allstate – Albany | Agents | 4 | 4.5 | 4 | 4 | 85% |
| Auto-Owners Insurance | Insurer | 4 | 4 | 3.5 | 4.5 | 82% |
| Farmers Insurance – Albany | Agents | 3.5 | 4 | 4 | 4 | 78% |
| Nationwide – Albany | Agents | 4 | 3.5 | 3.5 | 4 | 76% |
See also:
Alpharetta, Home Insurance Costs by Home Value and Deductible
Compare Alpharetta 2026 annual home insurance cost across different home values and deductibles. All cost assume standard coverage levels.
Alpharetta average annual cost for a $300K home with a $500 deductible is $2,270. Choosing a $2,000 deductible instead of $500 can lower annual cost by 30.7% in Alpharetta for a $300K home.
| Deductible | |||||
|---|---|---|---|---|---|
| Home Value | $500 | $1,000 | $1,500 | $2,000 | $5,000 |
| $100K Home | $969 | $834 | $751 | $671 | $473 |
| $200K Home | $1,602 | $1,379 | $1,242 | $1,110 | $782 |
| $300K Home | $2,270 | $1,954 | $1,760 | $1,573 | $1,108 |
| $400K Home | $3,083 | $2,654 | $2,391 | $2,137 | $1,505 |
| $600K Home | $4,652 | $4,004 | $3,606 | $3,223 | $2,270 |
MFP’s Home Insurance Survey most recommended insurers and brokers in Alpharetta’s area are North Point Insurance Group, State Farm, and Allstate.
- North Point Insurance Group (92%) – Homeowners appreciate the personalized service and ability to compare multiple carriers effortlessly.
- State Farm (88%) – Members highlight the reliable coverage options and responsive local agents.
- Allstate (85%) – Users commend the competitive pricing and comprehensive policy add-ons available.
| Name | Type | Coverage | Client Experience | Ease of Use | Cost | Recommend % |
|---|---|---|---|---|---|---|
| North Point Insurance Group | Broker | 4.5 | 5 | 4.5 | 4 | 92% |
| State Farm | Agents | 4 | 4.5 | 4 | 4 | 88% |
| Allstate | Agents | 4.5 | 4 | 4 | 3.5 | 85% |
| Farmers | Agents | 4 | 4 | 3.5 | 3.5 | 82% |
| Nationwide | Agents | 3.5 | 4 | 3.5 | 3 | 78% |
See also:
Alpharetta Best Refinance Lenders
Alpharetta Best Home Loan Lenders
Biggest Home Insurance Cost Factors in Georgia
Weather
Georgia faces a variety of weather-related risks that directly influence home insurance costs. Coastal areas can be impacted by hurricanes and tropical storms, while inland regions face risks from tornadoes, hail, and severe thunderstorms. Flooding is also a concern, especially in low-lying or river-adjacent communities. These weather patterns drive insurers to set higher premiums in areas with a history of frequent or severe claims.
Home Age
Older homes in Georgia often cost more to insure due to outdated wiring, plumbing, and roofing materials, which can increase both the likelihood and severity of claims. In addition, historic homes in cities like Savannah may require specialized materials for repairs, further increasing costs. Newer homes benefit from modern building codes that reduce risk and can lead to lower cost.
| Home Age | Typical Cost Change |
|---|---|
| 0–5 years | 15% to 25% less |
| 6–10 years | 15% to 5% less |
| 11–20 years | 0% |
| 21–30 years | 10% to 20% more |
| 31–40 years | 25% to 40% more |
| 41–60 years | 45% to 65% more |
| 60+ years | 70% to 100% more |
In Georgia, the differences are most pronounced for homes over 40 years old, especially in humid regions where moisture can accelerate structural wear. Coastal properties built before modern hurricane standards often fall into the higher-cost range due to elevated wind and water damage risk.
Credit
Credit history plays a significant role in home insurance pricing in Georgia. Insurers use credit-based insurance scores to predict the likelihood of claims, with lower scores generally leading to higher cost. Georgia’s insurance market is competitive, but poor credit can still cause rates to double or more.
| Credit Score | Typical Cost Change |
|---|---|
| Excellent | 0% |
| Good | 20% more |
| Average | 40% more |
| Poor | 100% to 170% more |
These ranges are consistent across Georgia, though urban areas with higher claim frequency may see even greater surcharges for poor credit.
Location
Where a home is located in Georgia can drastically affect insurance costs. Coastal counties like Chatham or Glynn face hurricane and flood exposure, while rural areas may have higher fire risk due to longer emergency response times. Urban areas, particularly Atlanta, may have higher rates due to theft and vandalism risks.
Best Home Insurance Discounts in Georgia
Georgia homeowners may qualify for several discounts that can significantly lower cost:
- Multi-policy discount – Bundling home and auto insurance with the same provider can save 15–25%.
- Protective device discount – Installing smoke detectors, burglar alarms, or sprinkler systems can reduce risk and cost.
- Claims-free discount – Maintaining a claim-free history for several years rewards safe homeowners.
- New home discount – Homes built recently benefit from modern safety standards and lower risk.
- Roof upgrade discount – Replacing an old roof, especially with wind-resistant materials, can lower premiums.
How to Find the Best Cheap Home Insurance in Georgia
To find affordable home insurance in Georgia, homeowners should compare multiple providers, focusing on companies with strong customer service and claims handling. While the cheapest policy might be appealing, it’s important to review coverage limits, exclusions, and deductibles. In some cases, a slightly higher premium can offer much better protection.
Ways to Reduce Your Home Insurance Cost in Georgia
- Increase your deductible to lower monthly cost.
- Install security systems and fire alarms.
- Bundle home and auto insurance with the same company.
- Maintain good credit to avoid surcharge rates.
- Perform regular maintenance to avoid costly claims.
- Shop around and compare at least three quotes.
What Does Home Insurance Cover in Georgia?
Standard home insurance in Georgia covers dwelling structure, personal property, liability protection, and additional living expenses if your home becomes uninhabitable due to a covered peril. Typical covered events include fire, theft, vandalism, wind, and hail. Flood and earthquake coverage are generally excluded and must be purchased separately.
What Extra Coverage Can Homeowners Get in Georgia?
Georgia homeowners may consider additional coverage for:
- Flood insurance – Recommended in coastal and low-lying areas.
- Windstorm insurance – Extra protection for hurricane-prone coastal zones.
- Sewer backup coverage – Helpful in older neighborhoods with aging infrastructure.
- Jewelry and valuable item riders – For high-value personal property beyond standard policy limits.
Extra coverage should be purchased when the risk of uncovered losses is high or when your property value exceeds standard policy limits.
FAQ: Home Insurance in Georgia
What is the average cost of home insurance in Georgia? The average annual premium is around $1,500–$1,800, but varies by location, home value, and coverage level.
Does homeowners insurance cover flooding in Georgia? No, standard policies exclude flood damage. You’ll need separate flood insurance through the NFIP or a private provider.
Can my credit score really affect my rate? Yes. In Georgia, poor credit can lead to cost that are double or more compared to those with excellent credit.
Are hurricanes covered? Wind damage from hurricanes is generally covered, but flooding from storm surge is not unless you have flood insurance.
Can I lower my rate by replacing my roof? Yes. A new roof, especially with impact-resistant materials, can significantly reduce costs.