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Georgia Home Insurance

From the historic charm of Savannah to the vibrant neighborhoods of Augusta, Georgia offers a wonderful place to call home. Amica’s best-in-class home insurance will help protect your investment, allowing you to focus on enjoying your home and the beautiful surroundings Georgia has to offer.

Is home insurance required in Georgia?

Georgia law doesn't require homeowners to have insurance on their property, but if you finance your home through a mortgage, your lender will likely require you to have homeowners insurance. Even if you own your home outright without a mortgage, it’s still highly advisable to be insured. Home insurance is not a one-size-fits-all product. It should be tailored to your specific situation and needs.

Typical Georgia homeowners insurance coverages

  • Coverage A – Dwelling:

    Coverage for your home and attached structures for damage caused by events such as fire, lightning, wind or hail.

  • Coverage B – Other structures:

    This covers damage to other structures on the property that are set apart from the dwelling, such as a fence, shed or detached garage.

  • Coverage C – Personal property:

    Coverage for your belongings, such as furniture, clothing and electronics, if they’re damaged by a peril listed in your policy.

  • Coverage D – Loss of use:

    This covers your temporary living expenses when a covered loss makes your home unfit to live in.

  • Coverage E – Personal liability:

    This covers damage or injury to another person on their property that you’re responsible for causing. It also covers legal assistance for claims made against you.

  • Coverage F – Medical payments to others:

    This coverage can pay for medical bills for people who are accidentally hurt on your property, not including members of your household.

Remember, each of these coverages is subject to a policy limit, deductible and exclusions, which are specified within your policy.

Your homeowners insurance won’t cover flood damages, so it helps to ensure you’re properly covered if there’s a flood. Flood insurance policies are available and are written through the federally backed National Flood Insurance Program. It’s common for mortgage companies to require flood insurance if your home is within or near a floodplain. Regardless, a flood can occur anywhere, and it’s a good idea to buy this additional coverage.

Additional coverages in Georgia

You may find that the general coverages afforded in a basic homeowners policy don’t cover certain losses or types of property. Amica offers home insurance options in the form of policy endorsements that can fill in some of those gaps in coverage. Adding endorsements to your Georgia homeowners insurance policy can provide valuable additional coverage tailored to your specific needs. Here are a few endorsements you might consider:

  • Special computer coverage:

    Additional protection beyond what’s included in your policy for devices against direct physical loss, like accidental damage or theft. Devices covered under special computer coverage include:

    • Desktops
    • Laptops
    • Smartphones
    • Gaming devices
    • Smart TVs

  • Identity fraud expenses:

    Identity theft is a growing concern, and this endorsement can help cover expenses associated with restoring your identity, such as legal fees, lost wages and other related costs.

  • Water backup and sump overflow:

    Unexpected and accidental water damage, like from an appliance or burst pipe, is covered by most homeowners insurance policies. But, at the same time, they also exclude coverage for backed-up sewers and drains. This endorsement provides coverage for water that backs up through drains and sump pumps.

  • Scheduled personal property:

    If you have high-value items such as jewelry, fine art or collectibles, a basic homeowners policy may not provide sufficient coverage. With this endorsement, you can insure specific items to make sure they’re adequately covered against loss or damage.

  • Earthquakes:

    A standard Georgia policy excludes damage caused by earth movement, including earthquakes. This endorsement would extend coverage to damage caused by an earthquake.

How Georgia homeowners insurance rates are determined

The location of your home is a significant factor that impacts home insurance premiums. Different areas face different risks and exposures. The cost of home insurance in a city versus a small town will depend on proximity to emergency services, like a fire station, the age of your home and construction costs. 

Your Georgia home insurance policy should be as unique as your residence, tailored to your specific needs and circumstances. By customizing your policy to suit your needs, you can ensure your home is adequately protected. Additionally, regularly reviewing and updating your coverage can ensure that your policy reflects your current needs. 

Save more with Georgia homeowners insurance discounts

There are several ways Georgia homeowners can save money on home insurance without compromising the quality of their coverage.1 We offer home insurance discounts for:

  • Alarm systems: Receive a discount when you insure a home with burglar alarms, sprinkler systems or fire alarms.
  • Automatic detection devices: Insure a Georgia home with a temperature monitoring, water leak detection or gas leak detection system installed and receive a discount. 
  • New or remodeled home: Receive a credit when you insure a new or fully remodeled home.
  • Claim-free: Receive a discount when you’ve had no claims in the past three years.

If these don’t apply to you, we also offer discounts for:

  • AutoPay: Receive a discount when you opt to pay your premium using automatic deductions.
  • E-discount: Get a discount when you sign up to receive policy information and bills electronically.
  • Paid in full: Save money when you pay the entire balance of your Georgia policy premium up front.

One of the best ways to conveniently manage all of your insurance needs and save money at the same time is to bundle your insurance coverages for home and auto with the same insurance company. In fact, Georgia homeowners who bundle home and auto insurance with Amica could save up to 20% with a multiline discount.1

Facts and figures about Georgia

Common claims in Georgia:

  • Weather-related claims: Tropical storms, high winds and hail can cause various types of damage to homes, including roof damage, siding damage and water intrusion. Homeowners insurance typically covers damage caused by windstorms, hail, lightning and other weather-related perils.

It's important to note that flood damage isn’t covered under standard homeowners insurance policies. Homeowners can purchase separate flood insurance to protect against this risk.

Fun facts about Georgia:

  • The Okefenokee Swamp is one of the largest swamps in North America, primarily located within the Okefenokee National Wildlife Refuge. It encompasses over 630 square miles and features blackwater canals, foot trails, boardwalk trails and water trails suitable for canoeing or kayaking.2
  • The official state vegetable of Georgia is the Vidalia onion, which was first cultivated in the 1930s. The "Vidalia Onion Act of 1986" authorized a trademark for "Vidalia Onions" and restricted their production to specific regions within the state.2
  • Cordele-Crisp County is recognized as the watermelon capital of the world. The county hosts the annual Watermelon Days Festival, which is regarded as one of the oldest festivals in Georgia. The event features live entertainment, a watermelon eating contest and a car show.2

How to get home insurance in Georgia

We’re here to guide you through the process of personalizing your homeowners insurance in Georgia. Here’s how to secure your policy in three easy steps:

  1. Assess your coverage needs:

    An Amica representative can provide personalized guidance and help you navigate your options to find the right coverage for your needs.

  2. Discover potential discounts:

    A representative can also assist you in exploring potential discounts or cost-saving measures available to Georgia homeowners based on your unique circumstances.

  3. Get a quote:

    Amica offers convenient options for getting a quote. You can either get a home insurance quote online or call 800-242-6422 today to speak with a representative.

With Amica, you can rest easy knowing that your home is safeguarded against the unexpected, allowing you to focus on what matters most – enjoying life in beautiful Georgia.

Get a home insurance quote

or call 833-513-3881

1 Discounts not available in all states and may vary.
2 Georgia Facts and Trivia
 

Your Policy, Policy Declarations or Amended Declarations in effect on the date of loss is the primary source of reference for your coverage, coverage limits and deductible amounts.

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