Homeowners Insurance Georgia

Getting Georgia Home Insurance

Homeowners Insurance in GeorgiaHaving good homeowners insurance in Georgia can give you peace of mind  knowing that you’re protected when the unexpected occurs. At The Hartford, we offer coverage that can provide financial protection to your home and its contents when they’re damaged. We’re here to help homeowners in the Peach State when issues happen, like:
  • Relámpagos
  • Incendio
  • Robo
Each of these events can cause significant damage to your home. It doesn’t matter if you live in Atlanta, Athens, Marietta, Augusta or anywhere in between. Homeowners insurance from the AARP® Homeowners Insurance Program from The Hartford1 is ready to help protect Georgia residents’ homes from financial loss.

What Is the Average Homeowners Insurance Cost in Georgia?

The average cost of a homeowners insurance premium in Georgia is $1,394, while the national average is $1,428.2

Insurance Rate Factors

When determining the cost of your home insurance policy in Georgia, companies take several factors into account, like your:
  • Home’s age
  • Lugar
  • Claims history

Georgia Home Insurance Discounts

There are many ways to save on your homeowners insurance in the Peach State. At The Hartford, we offer several types of descuentos para seguro de viviendas to help lower your premiums.

Are You Required to Have Homeowners Insurance in Georgia?

Homeowners insurance in Georgia is not required by law, unlike Georgia auto insurance. However, if you finance your home in GA, your lender may require some type of homeowners insurance coverage.

Types of Georgia Homeowners Insurance Coverages

The majority of Georgia homeowners insurance policies from The Hartford come with a wide array of coverages. Below are a few examples, as well as what can be considered covered property:
Dwelling Coverage helps protect your home and the structures directly attached to it. This includes items like your garage, deck, roof, floors and walls.
Other Structures Insurance helps protect structures on your property that are not attached to your house from things like fire, vandalism and falling objects. This can include a car driving into your fence or a tree falling onto your shed.
Loss of Use helps pay your additional living expenses (up to policy limits) if you can’t live in your home due to a covered loss. For example, if your home was damaged from a fire and you can’t stay in it while it’s being repaired, loss of use coverage can help pay for your hotel expenses.
Medical Payments helps protect you if someone is injured on your Georgia property. For example, if someone trips and falls on your property and requires medical attention, this coverage can help cover the costs associated. Keep in mind that bills are paid up to your policy’s limit, whether you’re legally responsible or not.3
Propiedad personal helps protect your personal belongings such as furniture, clothing and appliances. This protects them against damage or theft no matter where you are.
Responsabilidad Personal helps protect you if someone who is not a resident in your home is injured at your house and you’re found liable. It is a crucial home insurance coverage and comes standard with Georgia homeowners policies. In the case of a covered loss, it helps protect you against damages such as:
  • Medical expenses
  • Lost income
  • Pain and suffering
  • Legal expenses
  • Court costs

More Georgia Homeowners Insurance Coverages:

Cobertura de artículos valiosos is an additional coverage that can be added to your policy with the AARP Homeowners Insurance Program from The Hartford. Your homeowners policy caps coverage for theft on jewelry up to a $1,500 limit. However, with The Hartford’s Valuable Items Blanket Coverage, that can increase to $10,000 per item for valuables like crystal, silverware, jewelry, china, guns and more. This coverage can also help cover lost or mysterious disappearances.
Homeowners Equipment Breakdown Coverage helps cover mechanical or electrical breakdowns in your home and can help protect your appliances or furnace. It will also pay up to 125% of your costs to make “green” upgrades to replace any covered equipment with similar items that are more energy efficient or environmentally friendly. Keep in mind this does not include coverage for normal wear and tear.
Full Replacement Cost coverage helps pay the cost to rebuild your home if it is a total loss up to 125% of your coverage limits.
Rental Property Protection Plus protects you as a landlord for the rental units you own. Rental property insurance coverage includes the replacement cost of your rental dwelling, optional coverage for detached structures, fair rental value and more.

Home Security Discount

We reward our customers for taking the initiative to protect their homes. That’s why installing devices such as alarm and fire sprinkler systems can help lower your premium. You can also save money with fire protection systems and more.

Bundled Insurance Discount

If you already have a car insurance policy with The Hartford, bundling it with your GA homeowners insurance means you'll qualify for a discount. When you combinar el seguro, you can save up to 12% on auto insurance and up to 20% on homeowners insurance in Georgia.** Our customers save an average of $813 a year after bundling their auto and home policies.**

Protect Your Home With The Hartford

Find out what benefits you can get with a homeowners insurance policy from The Hartford. Call our specialists at 800-624-5578 to see what discounts you qualify for and get the coverage your home needs.
Última actualización: 2 de abril de 2024
2 Bankrate, “Average homeowners insurance cost in June 2023”
3 Medical benefits are calculated on the basis of usual, customary, and reasonable charges.
** Los montos de ahorro promedio se basan en información comunicada por los clientes que se cambiaron a The Hartford desde otras compañías entre 9/1/22 y 8/31/23. Su ahorro puede variar. El ahorro promedio en el seguro para automóviles es de $577 y el ahorro promedio en el seguro de viviendas es de $236. Las diferencias de tarifas entre los afiliados y los no afiliados de AARP varían según el estado y la antigüedad de los afiliados de AARP. El descuento para auto y vivienda está disponible solo para asegurados que tengan tanto su seguro para auto y vivienda (o condominios y arrendatarios) por medio de los programas de seguros para autos y de viviendas AARP de The Hartford. .The Hartford no suscribe nuevos negocios en todas las áreas, incluidos los estados de CA y FL.
§ La disponibilidad del beneficio RecoverCare y los niveles del beneficio varían según el estado. The Hartford RecoverCare Advantage® es una marca registrada de The Hartford.
§§ Se aplican términos y condiciones.
Se aplican términos y condiciones. La exención por accidente y la desaparición progresiva del deducible no están disponibles para asegurados de California.
‡‡ Se aplican términos y condiciones. La disponibilidad varía según el estado.
‡‡‡ Con base a un auto y conductor; la tarifa/prima/ahorros individuales variarán según las selecciones de cobertura reales y las características de los vehículos/conductores.
Divulgaciones adicionales a continuación.
Los resúmenes de las coberturas y las características de las pólizas son únicamente para fines informativos. En caso de que se produzca una pérdida, los términos y condiciones reales establecidos en su póliza determinarán su cobertura.
AARP y sus afiliadas no son aseguradoras. Endoso pagado. The Hartford paga regalías a AARP por el uso de su propiedad intelectual. Estos cargos se utilizan para los fines generales de AARP. En la mayoría de los estados, es necesario ser miembro de AARP para ser elegible para participar en el Programa.
El programa de seguros para automóviles de AARP de The Hartford está respaldado por Hartford Fire Insurance Company y sus afiliados, One Hartford Plaza, Hartford, CT 06155. Está avalado en AZ, MI y MN por Hartford Insurance Company of the Southeast; en CA por Hartford Underwriters Insurance Company; en WA por Hartford Casualty Insurance Company; en MA por Trumbull Insurance Company; y en PA por Nutmeg Insurance Company y Twin City Fire Insurance Company. El programa de seguros para viviendas de AARP de he Hartford está respaldado por Hartford Fire Insurance Company y sus afiliados, One Hartford Plaza, Hartford, CT 06155. Está subscrito en AZ, MI y MN por Hartford Insurance Company of the Southeast; en CA por Property and Casualty Insurance Company of Hartford; en WA por Trumbull Insurance Company; en MA por Trumbull Insurance Company, Sentinel Insurance Company, Hartford Insurance Company of the Midwest, y Hartford Accident and Indemnity Company; y en PA por Nutmeg Insurance Company. El producto para viviendas no está disponible en todas las áreas, entre las que se incluye el estado de Florida. Los ahorros, los beneficios y las coberturas disponibles pueden variar y es posible que algunos solicitantes no sean elegibles. El programa no está actualmente disponible en Canadá, ni en los territorios o posesiones de Estados Unidos.
1 En Texas, el programa para automóviles está respaldado por Redpoint County Mutual Insurance Company a través de Hartford of the Southeast General Agency, Inc. Hartford Fire Insurance Company y sus afiliados no son responsables financieramente por los productos de seguros suscritos y emitidos por Redpoint County Mutual Insurance Company. El programa para viviendas está respaldado por Hartford Insurance Company of the Southeast.
* Los comentarios de los clientes son recolectados y tabulados por The Hartford y no representan a todos los clientes.