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Georgia Homeowners Insurance

If you’re in the market for affordable homeowners insurance in Georgia, you’ve come to the right place. At Clovered, we help protect your biggest investment by providing coverage for your home’s structure, crucial pieces that encompass it, other structures on your property, your most treasured personal belongings and much more.

We partner with some of the best homeowners insurance companies in Georgia to bring you multiple options on a single page. Simply pick a policy you like, adjust the coverages if necessary, and instantly get Georgia homeowners insurance policy that goes into effect right away.

With Clovered, you can say goodbye to hopping from site to site searching for the cheapest homeowners insurance in Georgia. We’re here for your every need to help you find affordable coverage that doesn’t cut corners.
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What’s Covered With a Georgia Homeowners Insurance Policy?

Coverage A – Dwelling

 
☘ This covers the actual structure of your home and the components that make it, such as the roof, siding, windows, countertops and flooring. Since it protects the actual home itself, the amount of Coverage A on your policy should be the equivalent, or slightly more, than your home’s value.

Coverage B – Other Structures

☘ Everything from a white picket fence to a shed — and even a treehouse — are considered other structures. The structures must be on the homeowner’s property, though, and is typically up to 10 percent of the policy’s dwelling limit.

Coverage C – Personal Belongings

☘ Coverage C is designed to protect the policyholder’s personal belongings that are kept within the home. For homeowners, this coverage can extend to items kept on the property, such as a lawnmower.

Coverage D – Loss of Use

 
☘ Arguably the most underrated part of every homeowners insurance policy, loss of use helps to pay for things like equivalent housing and extra everyday expenses if the policyholder’s home is unable to live in after being damaged or destroyed.

Coverage E – Personal Liability

☘ Protection against accidents that occur on the policyholder’s property, personal liability can provide money for medical bills and legal expenses for incidents when the policyholder is found liable. Coverage extends to incidents like dog bites, major injuries and accidental death.

Coverage F – Medical Payments

☘ Similar to personal liability, medical payments to others (also called MedPay) covers minor injuries that occur on the policyholder’s property — whether or not they’re found liable for the incident. Policies usually have between $1,000 and $5,000 worth of MedPay coverage.
What are the common covered perils

Which Perils Are Most Commonly Covered by Homeowners Insurance in Georgia?

From unexpected perils thrown down by Mother Nature to uncontrollable perils you couldn’t have seen coming, ensuring you’re covered for all that life throws at you is just the first step in the equation. With a Georgia homeowners insurance policy from Clovered, you can sleep easy knowing we’ve got your home, belongings and financial future covered!

☘ Vandalism
☘ Theft
☘ Damage caused by vehicles
☘ Damage caused by aircraft
☘ Rioting or civil disturbances
☘ Smoke damage
☘ Fire or lightning
☘ Windstorm or hail, such as a hurricane or tornado
☘ Explosions

☘ Volcanic eruptions
☘ Frozen pipes
☘ Falling objects
☘ Damage caused by heating, air conditioning or plumbing
☘ Damage due to snow, ice or sleet
☘ Damage from water heater, including cracks, burns or tears
☘ Damage from electrical currents, such as downed powerlines

What’s the Average Cost of Homeowners Insurance in Georgia?

Even though Georgia faces a unique number of perils, from hurricanes on the Atlantic coast to tornadoes and hailstorms throughout the state, homeowners insurance costs in Georgia are below the national average at around $1,250 per year.

Compared to its neighbor to the south, that’s a pretty good deal, especially when you consider the amount of coverage you get for that price. But there’s also a fair share of factors that help dictate the average cost of homeowners insurance in Georgia, including the maximum coverage you maintain, where your home is located and your claims record.

  • Average Cost of Homeowners Insurance in Georgia: $1,250 per year

How to Get the Best Homeowners Insurance in Georgia

To get a Georgia homeowners insurance policy that protects your entire home, all your belongings and keeps your family in a great place, simply get a fast, free quote online from Clovered! We compare multiple policies from the best homeowners insurance companies in Georgia — so you don’t have to — and provide you with the best matches at the cheapest prices!
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