The next time you take a sip of cold Coca-Cola or chow down on one of Zaxbys’ classic chicken sandwiches, you better have Georgia on your mind (à la Ray Charles).

But there’s much more to Georgia than just legendary fried chicken and soda. Since Hippo started servicing the Peach State, we’ve been blown away by the Southern hospitality, community and the gorgeous homes that make up this great state. That’s why we offer coverage catered to what residents of Georgia really need. It’s just what Southerners do.

What is the average cost of homeowners insurance in Georgia?

Illustration of three houses with green doors and smoke coming out of the chimney of one

The average cost of homeowners insurance in Georgia is $1,424 a year. While this may seem rather high given the national average clocks in around $1,200, keep in mind Georgia is one of the top 10 states with the most disaster damage per household. Even though Georgia doesn’t face massive calamities every year, the proximity to the coast means that when a big storm does show up, it can cause extreme damage.

A home insurance policy will cost Georgians around $1,424 a year — or the cost for you and seven friends to see the Atlanta Falcons score a touchdown in person.

Why is homeowners insurance so expensive in Georgia?

Homeowners insurance is expensive in Georgia due to the state's coastal location, which puts homeowners at a higher risk for disasters like flooding and hurricanes. Because of this, you can expect to pay more for coverage than if you lived in a landlocked state, like Montana

What factors influence my home insurance rate?

Though a home insurance policy may seem less fun than a night of beer and hot dogs at the Mercedes-Benz Stadium, it’s well worth the price. The state as a whole experiences 12 more inches of rain each year than the national average (50 inches total), making flooding an unfortunate reality. And the closer you live to the coast or a high-risk area, the more you can expect to pay for a policy. Other factors that influence your policy include your home's size, age, and location.

Georgia Home Insurance Premiums

What does Georgia homeowners insurance cover?

While incidents like theft and break-ins have been steadily dropping across the nation over the past few years, Georgians should still take proper precautions to protect their homes. Most comprehensive home insurance policies will protect your belongings, home and personal liability from a variety of incidents. So if someone steals a package from your porch or slips and falls in your home while celebrating the most recent Hawks win, you don’t have to worry about footing the bill yourself.

Home insurance does more than just cover liability hospital bills, though. It will also protect you from any damage your home sustains during natural disasters like windstorms, flooding and the weight of falling ice or snow. And given a winter storm that hit Georgia back in 2014 cost the state $13.5 million in damage, extra protection by way of insurance riders might come in handy as well. With this additional protection, you can focus on keeping yourself and your family safe during extreme weather events and let your insurance company worry about getting your home back on track.

Georgia Insurance Coverage Options

Traditional coverage


Supplemental coverage


Tips for lowering home insurance rates

Though the rest of the country has Georgia to thank for Zaxbys’ delicious chicken wings and nuggets, Georgia residents just might be thanking us for the following nuggets of insurance wisdom. Because who doesn’t want to save money? That’s what we thought.

Georgia is home to plenty of historic and gorgeous homes, and while that makes for great sightseeing and accommodations, it can be a bit pricey to insure. If your home is older but aging like a fine wine, you may not need any updates. But you’d be surprised just how much money a new roof or updated HVAC system can save you on your yearly premiums.

Other ways to lower your insurance costs include installing security systems, making your home smarter and keeping up with monthly maintenance tasks.

Georgia insurance resources

Understanding what protection you need for your home should be as easy and comforting as dropping the needle on your favorite record. Once the music starts, you could choose to dance with one of those conventional providers, but why take the risk? Hippo offers modern coverage for today’s homeowner, doing away with unnecessary coverage and instead focusing on protecting what really matters.

Below are several national programs that can help you get even more coverage if needed. Georgia also provides its residents with plenty of information through the Office of Commissioner of Insurance and Safety Fire website.

National Flood Insurance Program

Your home insurance policy will likely cover any damage caused by water backups or sump pump overflows, but when it comes to flood damage, most insurance policies fall short. That’s why the National Flood Insurance Program (NFIP) was created to offer federal support to homeowners looking to protect their homes and belongings. If you’re looking to get more flood protection, you can sign up for an NFIP policy through your traditional insurance provider or check your flood risk here.

Fair Access to Insurance Requirements Plan

The view from your beach house when the sun rises in the morning is too beautiful to move away from, and we get it. Homes near the coast come with plenty of perks, but it may make getting a home insurance policy difficult. Georgia’s Fair Access to Insurance Requirements Plan (FAIR) plan offers a path to protection for those having trouble getting coverage. However, it’s worth noting that the coverage you’ll get through a FAIR plan will be pretty limited.

Peaches, Vidalia onions, Coca-Cola and the best jazz music around — life in Georgia is pretty sweet on its own. That’s why we’ve carved down our insurance quote process to just 60 seconds, getting you the information you need in between gigs or while you’re waiting in line for BBQ. Don’t believe us? Get a quote now to see how sweet home insurance can be.

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