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The 4 Best Georgia Homeowners Insurance Companies
Annual homeowners insurance premium rates in Georgia are nowhere near as astronomically high as those facing its neighbor to the south — at $975 per year, the state’s average annual premiums are slightly lower than the national average.
However, certain areas of the Peach State experience higher turbulence in weather than others. Georgia’s coastal cities, such as Savannah, encounter plenty of flooding, while those further inland experience windstorms and occasional wildfires, all of which pose potential risks to homeowners.
With increased hazards, shopping around to ensure that you’re receiving the best price for your homeowners insurance coverage is imperative. To assist with the process, we’ve outlined our top picks for Georgia homeowners insurance providers and included an online quote tool, so you can get an accurate estimate for a policy tailored to meet the needs of your home:
The United Services Automobile Association, or USAA, was founded by a group of 25 Army officers with the core military values of service, loyalty, honesty, and integrity. Today, having grown into a national insurance giant, the company continues to maintain those founding principles and provides quality affordable insurance coverage for active duty members, veterans, and their families. With 13 military bases in the state, it’s no surprise that USAA is a very popular option for Georgia homeowners insurance.
Having a membership with USAA grants you access to myriad free financial resources, discount opportunities, and quality customer care. The membership also comes with some sizable benefits, such as zero ATM fees, low loan rates, and cheap comprehensive homeowners insurance policies.
A standard policy from USAA comes with full replacement cost coverage, a feature that is relatively rare among competitors. If your home is destroyed or seriously damaged, USAA will assist in rebuilding and replacing your personal property. The company provides up to 75% of the insured value of your home to replace your belongings. Your USAA policy also automatically includes up to $5,000 in identity theft and fraud coverage, a feature which is becoming increasingly important.
Nationwide provides Georgia homeowners with cheap homeowners insurance rates and a wide range of add-on coverage options. Nationwide’s unique Brand New Belongings coverage, for example, replaces your damaged or destroyed items with the most current versions available. Their Better Roof Replacement allows you to rebuild your roof with safer and more durable roofing materials in the event of a covered loss, potentially saving you money by preventing another disaster from occurring in the future.
Nationwide also helps you save by extending a host of discounts. Customers can receive up to a 30% rate cut based on the age of their home, 20% for bundling policies, 15% for installing protective devices, 5% for being married or widowed, and more.
New Nationwide customers should take advantage of the company’s free On Your Side review. This insurance consultation and assessment can help you better understand the claims process and manage your deductible, as well as walk you through the specifics of your policy and make any adaptations necessary to match the needs of your specific budget and living situation. Read more https://www.thesimpledollar.com/best-homeowners-insurance-in-georgia/