Homeowners Insurance in Marietta, Georgia (2024)

Our team at Clovered is filled with experts who want to help you find the best homeowners insurance in Marietta without breaking the bank. Hopefully, you can save time and money when shopping around by using this guide that explains the important details you should know about coverage details, average costs, and more. 

The average cost of homeowners insurance in Marietta is $1,668, although costs vary by provider, home value, and more.

Statewide premiums in Georgia average $2,166 annually, so Marietta’s rates are about 12% lower than the state average. A contributing factor to the city’s lower premiums is its inland location. Coastal properties, especially in the Southeast, are much more prone to hurricane and flood damage than places away from the water, which results in higher premiums the closer you are to the beach.

Another significant factor of home insurance rates in Marietta is home value. Every house has a different replacement cost, which is the cost to rebuild it based on materials, labor, and construction expenses. Homes with higher replacement costs need greater coverage amounts. Naturally, the more insurance you need, the more it costs.

So, larger, more expensive homes with higher coverage amounts have higher property insurance rates. The table below demonstrates average costs in Marietta.

Several more factors affect premiums, though, and you can’t be sure how much you’ll pay for coverage until you provide more specific information to providers when you get quotes. Rates will vary by the company, too, because each carrier has different underwriting methods and business needs. So, it’s crucial to shop around to find the best deal.

While there are a few different types of home insurance plans, the most common option, which is the one required by mortgage lenders, is the HO3 policy form. All HO3 policies contain six general coverage areas for your property and financial liability.

The best homeowners insurance in Marietta can come from almost any company as long as it protects your property and liability at an affordable price. There’s no one company that is consistently the best or has the lowest premiums, as carriers adjust their offerings and rates semi-regularly.

Rather than recommending one carrier, we’ll instead offer tips that you can enact to help your policy become optimal for your needs, such as adjusting your policy details and shopping around for the best deal.

You can alter several aspects of your policy to ensure your coverage meets your needs. For example, you should ensure your policy limits suffice for your property. 

Dwelling Coverage: Carriers require you to insure your home for at least 80% of its replacement cost, but you can increase your dwelling coverage limit closer to 100% (which will raise premiums). Some companies also offer guaranteed or extended replacement cost coverage for the highest level of protection.

Personal Property Coverage: You can determine exactly how much personal property coverage you need with a home inventory documenting your belongings and their worth. This list would also come in handy during a claim so you know what you lost and how much it costs.

Liability Coverage: Ensure your liability limits guard your assets wholly. Most carriers suggest at least $300,000 in liability coverage, but you can usually increase your limits to $1 million if desired. Some people with significant assets or high net worths may need an umbrella policy.

In addition to your coverage limits for the standard protection areas, you may also want to consider endorsements, which are optional coverage add-ons for items or perils not covered by default. Common endorsements for property insurance in Marietta include scheduled personal property coverage for valuables and water backup coverage for drain and pipe failures.

 Once you have an idea of your desired coverage options, you should compare the cost of the policy among several providers. It’s the most proven way to find savings by seeing which company has the cheapest rates for your circumstances.

Additionally, shopping around will also let you compare endorsements, discounts, and customer service among the carriers, which may also influence your decision.

Like home insurance, you only need flood insurance in Marietta if your lender requires it. However, the National Flood Insurance Program (NFIP), the country’s largest flood insurance provider, reports that over 20% of its claims come from properties outside of high-risk flood zones.

Anywhere it can rain, it can flood. Also, the nature of flash flooding means you’ll rarely ever see it before it hits. Your property isn’t fully protected unless you have flood insurance. Fortunately, Cobb County residents receive a 15% discount on NFIP policies due to the county’s efforts towards flood mitigation and awareness through the NFIP’s Community Rating System (CRS) program, which rewards proactive communities with policy discounts.

If you’re interested in flood insurance in Marietta, our Clovered team can help you find the right coverage for your property. Most people get a plan through the NFIP, but we also partner with a few private flood insurance providers, which can offer advantages for certain properties.

Several factors influence the premiums of Marietta home insurance. Some considerations are related to the policyholder, while others are about your property and its likelihood to suffer damage. The most essential factors include:

Home Age: Older houses often have higher insurance rates because dated elements, such as plumbing or roofing, are more likely to suffer damage from severe weather or general wear and tear. 

Home Construction: Companies assess several aspects of your home’s construction, such as building materials, roof type, and foundation type. Additionally, having several high-end installations or unique features will increase your dwelling coverage needs and rates.

Property Features: Attractive nuisances, like pools or trampolines, increase your liability risk and typically raise rates. Owning certain historically aggressive dog breeds, such as pit bulls or rottweilers, also increases rates at some carriers for the same reason. On the other hand, security systems and burglar alarms can decrease rates.

Claims History: Someone who has filed several home insurance claims in the past three to five years will usually pay more for coverage than someone with a clean claims record. Carriers believe repeat filers are a greater financial risk.

If you need help getting and understanding home insurance quotes in Marietta, our team at Clovered is here to help. We’ve helped thousands of policyholders get and maintain coverage since our founding in 2018 and can help you with all your coverage needs.

We offer a straightforward online quoting tool. After providing some information about yourself and your property, you can compare plans from our partners in Georgia within minutes.

Or, you can get your Marietta home insurance quote by chatting with one of our licensed agents over the phone by calling  833-255-4117 during business hours. You can also email us at  [email protected] with any questions.