How to Shop for Georgia Home Insurance


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UPDATED: 2021-07-07T21:12:44.442Z
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A home in Georgia with Georgia home insurance.

If you’re a homeowner, you know that you need home insurance to protect your house and belongings. Trying to find the right Georgia home insurance that meets your needs and is reasonably priced can take time, but researching options is critical.

The cost of homeowners insurance in Georgia is slightly lower than the national average. Of course, individual situations can affect the price you pay.

That’s why it’s so important to do your homework. Even though most insurers use the same types of information to provide you with a quote for homeowners insurance, how they decide to “weigh” each factor can vary. That means that you might receive a wide range of quotes, even based on the same factors such as where the house is and how much your possessions are worth.

Shopping for homeowners insurance in Georgia doesn’t have to be a chore, you just need to follow a few tips to find the best rates from the best insurers.

Before you check out our tips, consider getting insurance quotes to see what is available in your area. Use our free insurance quote comparison tool by entering your ZIP code below.

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Tips for Buying Homeowners Insurance in Georgia

There are a few things that you can do right off the bat that will improve your chances of finding the best and cheapest homeowners insurance in Georgia.

1. Get Quotes from Multiple Georgia Insurers

Comparing rates between a number of companies that provide home insurance in Georgia is the best way to get a policy that is right for you, at the best price. If you only have time to follow one tip, make sure it’s this one. You won’t know the range of premium costs if you only get a quote from one provider.

2. Research Your Georgia Coverage Options

This step is particularly important if you live near water, because flood insurance isn’t part of most basic homeowners insurance policies. Researching and finding Georgia flood insurance options should be part of your research into the types of coverage you might need.

With Georgia’s location and coastline, flooding from hurricanes is a distinct possibility. Checking out flood insurance availability is a good idea.

3. See if You Can Bundle Your Policies

“Bundling” multiple insurance policies with one insurer is a good way to save money. If you have an auto policy with an insurance company that you like, check if they offer homeowners insurance. This could save money on your premiums.

The Top 3 Home Insurance Companies in Georgia, According to Customers on Clearsurance

Customers on Clearsurance offer a lot of insight, providing feedback on their interactions with a wide range of insurers. Clearsurance has identified the three best Georgia home insurance companies, according to customer reviews as of July 2020. See the companies below along with an analysis on why customers say they are the best.

Please note: In order to qualify for the list, companies must sell homeowners insurance in Georgia, have at least 25 homeowners insurance reviews, and they must be a Clearsurance.com affiliate and offer quotes on the site. For a complete and updated list of the top-rated companies in Georgia, you can visit the Georgia home insurance rankings page. On this page, you can also get insurance recommendations based on your specific requirements and zip code.

1. Lemonade for Georgia Home Insurance

Lemonade’s customers offer high praise of the company and frequently mention its customer service and pricing as top features. Georgia homeowners looking for a company with excellent customer care and solid technology options, along with great prices, should consider getting a quote from Lemonade. On Clearsurance, Lemonade earned an average rating of 4.84 out of 5.00 stars for home insurance.

Pros: Reviews provided by customers on Clearsurance often mention Lemonade’s easy-to-use website and its excellent customer service. Customers also rave about the company’s wide variety of coverage options and fair prices.

Cons: The only negative often mentioned by customers is that Lemonade doesn’t reward its loyal customers.

Lemonade policyholders are happy and satisfied with their coverage, as reflected in the following:

  • 92% of Lemonade’s customers say they have plans to renew their policies.
  • 94% of Lemonade’s customers say they’d recommend the insurance to a friend; and
  • 95% of customers say their claims experience was positive.

There are many positive reviews for Lemonade on Clearsurance.com. You can see one below from a Georgia homeowner who had a great experience.

Lemonade GA home review

Read all Lemonade reviews on Clearsurance.com.

2. Esurance for Georgia Home Insurance

Esurance is widely available in many states, including Georgia. Customers on Clearsurance rate the carrier highly, and praise the carrier’s technology options. Esurance’s average rating on Clearsurance.com is 4.34 out of 5.00 stars for homeowners insurance.

Pros: In reviews on Clearsurance, customers mention Esurance’s wide variety of coverage options and flexible billing. They also note that Esurance provides a clear explanation of coverage, and has a website that is easy to use.

Cons: Similar to Lemonade, the one negative most frequently mentioned by customers about Esurance is that it doesn’t reward loyal customers.

A Clearsurance analysis of customer reviews reflects a very positive assessment of Esurance.

  • 74% of Esurance customers are likely to renew their policies,
  • 77% of Esurance customers would recommend the insurance to a friend, and
  • 75% of Esurance customers rated their claims experience positively.

In the Esurance review below, you can see one Esurance policyholder talk about their experience.

Esurance GA home review

Read all Esurance reviews on Clearsurance.com.

3. Allstate Insurance for Georgia Home Insurance

Allstate is a national carrier with considerable positive feedback from customers on Clearsurance. Customers rate Allstate as the third best homeowners insurance option in Georgia out of the companies that offer quotes on Clearsurance.com. Allstate earned a score of 3.99 out of 5.00 stars for home insurance on Clearsurance.com

Pros: Reviews on Clearsurance highlight Allstate’s transparent pricing, a wide range of coverage options, and flexible billing as important positives. Customers also praise an easy-to-use website.

Cons: An analysis of customer reviews did not reflect any consistent “cons” mentioned regarding Allstate.

Overall, customer feedback on Clearsurance regarding Allstate reflects a happy customer base with a lot of positive reviews.

  • 80% of Allstate customers are likely to renew,
  • 78% of Allstate customers would recommend the insurance to a friend, and
  • 77% of Allstate customers rate their claims experience positively.

In the review shown below, a Georgia Allstate customer talks about their experience with Allstate homeowners insurance.

Allstate GA home review

Read all Allstate reviews on Clearsurance.com.

The Top 3 Georgia Home Insurance Companies Based on Customer Price Rating

Although there are many factors to consider when shopping for Georgia home insurance, price is one of the most important factors. Clearsurance analyzed Georgia companies and how customers rated the company for the price of their policy.

Below you can find the top 3 Georgia home insurance companies rated by customers for their perceptions of price.

Please note: for this ranking, we looked at all homeowners insurance companies in Georgia that had at least 25 reviews that included a rating on price. The ratings displayed are shown out of a 5-star scale.

  1. USAA* (USAA profile on Clearsurance): Georgia price rating of 4.36
  2. State Farm (State Farm profile on Clearsurance): price rating of 3.90
  3. Travelers (Travelers profile on Clearsurance): price rating of 3.88

*USAA is only available to active and former military members and their families.

These tips and reviews of the top three rated carriers that provide home insurance quotes on Clearsurance for homeowners insurance in Georgia should get you started on the right track when you begin your research. Finding the best, cheapest homeowners insurance in Georgia is within your reach.

You can use our free insurance quote comparison tool to compare rates from the best company options. Enter your ZIP code below.

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The content on this site is offered only as a public service to the web community and does not constitute solicitation or provision of legal advice. This site should not be used as a substitute for obtaining legal advice from an insurance company or an attorney licensed or authorized to practice in your jurisdiction. You should always consult a suitably qualified attorney regarding any specific legal problem or matter. The comments and opinions expressed on this site are of the individual author and may not reflect the opinions of the insurance company or any individual attorney.

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