The average annual cost of Home Insurance in Duluth GA is $1,317.
Progressive is the cheapest Home Insurance in Duluth GA for the majority of Georgians, while Country Financial has the highest premiums.
The average annual cost of homeowners insurance in Georgia is approximately $1,317. This is $178 more expensive than the average cost of coverage in the United States, which is $1,495 a year.
Home Insurance in Duluth GA
Cincinnati Financial is the top home Insurance in Duluth GA for the vast majority of consumers. Insurance from Cincinnati costs $1,078 per year, which is $239 less than the statewide average.
The company also has high customer service ratings, ranking among Georgia’s top insurers. According to the National Association of Insurance Commissioners (NAIC), Cincinnati receives 75% fewer complaints than expected given its size.
Cincinnati provides three tiers of homeowner insurance coverage. The most basic policy, Executive, provides the normal coverage you’d expect from home insurance.
The Executive Capstone and Executive Classic provide more comprehensive coverage targeted at the demands of high-value households, including:
- Enhanced replacement cost
- Identity theft coverage
- Sewer or sump pump backup coverage
- Service line coverage
- Equipment breakdown coverage
- Flood Insurance
Most affordable Home Insurance in Duluth GA:
Progressive offers the cheapest home insurance prices in Georgia. Typically, coverage costs $978 per year, which is 26% cheaper than the state’s average cost of homeowners insurance.
Progressive’s coverage is quite normal. However, its personal liability coverage is less comprehensive than that of most large insurers, requiring you to get additional policies to defend against slander and libel.
Another disadvantage to purchasing home insurance from Progressive is that it does not underwrite its policies.
After purchasing a policy, you will interact directly with one of its 13 partners for any claims or servicing needs, making it difficult to forecast the kind of service you will receive.
State Farm offers the best home and vehicle insurance package for individuals in Georgia. When you purchase house coverage, the business will reduce your auto insurance rate by an estimated 15%.
Although State Farm’s typical home insurance rate is somewhat higher than the Georgia average of $1,386 per year, it boasts some of the lowest vehicle insurance rates in the state, with a full-coverage policy costing $1,410 per year. That results in the best-combined housing and auto prices in the state.
Aside from outstanding prices, State Farm provides exceptional customer service. It received high grades from our editors and in the J.D. Power customer service study.
Georgia homeowners insurance rates: City-by-city breakdown
Athens residents had the lowest house insurance premiums in Georgia, costing $1,093 per year. Cotton residents pay the highest annual rate, averaging $1,954.
Atlanta, Georgia’s largest city, has an average homeowners insurance rate of $1,317 per year, which is consistent with the statewide average. Augusta residents pay 5% more for home insurance, totaling $1,381 per year.
Home Insurance in Duluth GA Ratings
Cincinnati Financial and USAA are the top-rated homeowners insurance companies in Georgia.
To determine which homeowners insurance providers in Georgia provide the greatest customer service, we considered ValuePenguin editor ratings, National Association of Insurance Commissioners (NAIC) complaint index numbers, and J.D. Power customer satisfaction ratings.
Most common homeowners insurance perils in Georgia: Severe storms and flooding
Georgia’s closeness to the Atlantic Ocean and Gulf of Mexico places them in the path of hurricanes.
Tornadoes also pass through Dixie Alley, affecting the state. In reality, the National Weather Service reported approximately 75 tornadoes in Georgia in 2020. Parts of Georgia are also prone to flooding.
Regardless of where your property is located, it’s critical to understand how your homeowners insurance protects you from the most common risks. Before you get insurance, consider how each business handles natural disasters that may affect your household.
Does homeowners insurance cover tornadoes?
Most homeowners insurance carriers cover tornado-related damage. That’s because wind is frequently included as a covered risk on your policy’s declarations page, including wind damage caused by tornadoes and hurricanes.
Does home insurance cover flooding?
Your homeowner’s insurance does not cover flood damage. If you wish to safeguard your house from flooding, you must purchase a separate flood insurance policy from the National Flood Insurance Program (NFIP) or a private insurance provider.
An NFIP flood insurance policy costs around $985 per year; however, low-risk properties can get cheaper coverage through the NFIP’s Preferred Risk Policy.
There are over 75,000 policies in existence in Georgia, with average insurance providing $280,000 in coverage.
While you are not required to buy flood insurance unless your lender mandates it, you should use the Federal Emergency Management Agency’s (FEMA) flood map tool to determine your home’s risk level.
Frequently asked questions
How much is home insurance in Georgia?
Homeowners insurance in Georgia averages $1,317 per year, or $110 per month. However, typical annual prices might vary by up to $861 depending on where you live.
Who has the cheapest home insurance in Georgia?
Progressive has the cheapest home insurance cost in Georgia, at $978 per year, which is $339 less than the state average.
How much does homeowners insurance cost in Marietta?
On average, Marietta homeowners pay $1,216 per year for insurance. That is 8% below the state average.
How did we choose the finest homeowner’s insurance in Georgia?
We compared each provider’s costs, policy offers, and customer service reputation to determine the best homeowners insurance providers in Georgia. We gathered quotes from every ZIP code in the state using a sample profile for a $176,000 home constructed in 1989. That is the median year residences were built in the state, as well as the Georgia median home value.
We collected rates from the following companies:
- Cincinnati Financial
- Country Financial
- Farm Bureau
- State Farm