Home Insurance in Georgia

Home Insurance in Georgia averaged $1,828 a year in 2023, 5% above the national average, per the NAIC, plus the rules that shape your policy.

What home insurance costs in Georgia

Homeowners in Georgia paid an average of $1,828 a year on a standard HO-3 policy in 2023, 5% above the national average of $1,737. HO-3 is the form most owner-occupied homes are written on; averaged across every owner-occupied and dwelling-fire form the figure is $1,773.

Georgia rules worth knowing

• HO-8 (older homes, repair-cost basis): $960 a year
• Regulator: Georgia insurance department

Source: NAIC Homeowners Insurance Report, 2023 data. Figures are the most recent the NAIC has published; nothing on this page is estimated or modelled.