Georgia Homeowners Insurance

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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.

What’s Covered With a Georgia Homeowners Insurance Policy?

Homeowners insurance in Georgia covers the structure of your house, your personal belongings and much more, including unexpected incidents that could occur on your property. While you get to choose the amount of coverage you enroll in, the following six coverages come standard in every 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

Structures on your property that aren’t connected to your househouse fall under this coverage. It includes things like fences, sheds and even satellite dishes. Coverage for these structures is typically up to 10% of the policy’s dwelling maximum.

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 pay to replace things like furniture, electronics, clothes and even items kept on the property, like lawnmowers.

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

This coverage can provide financial protection for accidents that occur on the policyholder’s property, damage to other people’s property and dog bites. It can help pay for medical expenses, legal fees and property damage if the policyholder is deemed liable.

Coverage F: Medical Payments

Similar to personal liability, medical payments to others 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.

Which Perils Are 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.

10 Named Perils Under HO-1:

  1. Vandalism
  2. Theft
  3. Damage caused by vehicles
  4. Damage caused by aircraft
  5. Rioting or civil disturbances
  6. Smoke damage
  7. Fire or lightning
  8. Windstorm or hail, such as a hurricane or tornado
  9. Explosions
  10. Volcanic eruptions

16 Named Perils Under HO-2:

  • (All 10 named perils under HO-1, plus the following)

  1. Frozen pipes
  2. Falling objects
  3. Damage caused by heating, air conditioning or plumbing
  4. Damage due to snow, ice or sleet
  5. Damage from water heater, including cracks, burns or tears
  6. 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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The editorial content on Clovered’s website is meant to be informational material and should not be considered legal advice.