Enter your ZIP code:

Georgia Home Insurance

Thank you for visiting InsureMe.com, your online information source for Georgia home insurance. InsureMe is your one-stop-shop for competitive Georgia home insurance quotes from agents in your area. We do the leg work for you, providing you with up to five free home insurance quotes posthaste.

Give us your information just once-and watch the Georgia home insurance quotes come directly to you!


Georgia Home Insurance Information

The price of homeowners insurance is finally slowing. The Insurance Information Institute reports that 2005 home insurance prices nationwide are expected to rise by only 2.5 percent, the smallest increase in six years. Several factors contribute to this slowdown, including fewer claims filed and lower claims costs.

Georgia homeowners insurance protects you from financial losses due to damage, theft and other hazards. It covers the contents of your home, additional living expenses incurred when your home becomes uninhabitable, and any alleged claim of negligence causing injury to someone else.

Know Your Options

If you own your home, you need specific Georgia homeowners insurance that fits your specific situation. Consider these options:

  • HO-3 - Insures against risk of loss for buildings, and loss of contents for broad named perils, such as theft
  • HO-4 - Provides content loss coverage on rentals for broad named perils
  • HO-6 - A condominium policy providing insurance against broad named perils on an owner-occupied condominium unit

Create a Household Inventory

A household inventory is simply a list of all your possessions, their worth and any further identifying details. Make your household inventory and keep it in a safe place to ensure sufficient Georgia homeowners coverage, provide protection for your family's valued treasures and heirlooms, and eliminate claims problems in the event of a disaster.

To make a household inventory, first make a list of each room in your house. Then walk through each room, listing its contents and writing down any supporting information. Include complete descriptions, estimated values, sales prices, serial numbers, brand names, model numbers-any specific, identifying details. Take pictures if you can, and record your inventory on a computer disk, storing all supporting documents together in a safe place outside your home. Then, in the event of a loss, simply send a copy of this information to your Georgia home insurance company or agent for loss verification.

Be prepared for disaster before it strikes with your own home inventory!

FAQ's about Georgia Home Insurance

"What do I need to know about Georgia home insurance before I buy it?"

Property coverage protects your home and its contents, plus additional living expense losses. Liability coverage protects you from lawsuits alleging negligence. Your homeowners coverage amount should equal at least 80 percent of your home's replacement cost.

"Does my Georgia homeowners policy cover all my property?"

No, all policies have exclusions and limitations. Your car and motor home are exclusions. Some frequent limitations include theft of jewelry, silverware and guns.

"Is flood insurance part of my Georgia homeowners policy?"

No. However, it is offered and regulated by the federal government under the National Flood Insurance Program (NFIP). Contact them online at http://www.fema.gov/business/nfip/ to find out if flood insurance is required for your property, or ask your Georgia home insurance broker for more information.

"How can I find out what home insurance will cost me?"

Speak with a knowledgeable Georgia home insurance agent to obtain specific information on your home insurance premium. Your Georgia home insurance premium depends on many factors, including:

  • Location of your home
  • Type of construction
  • Square footage of your home
  • Market value of your home
  • Age of your home
  • Location of nearest fire department
  • Security devices installed
  • Other structures on the property
  • Valuables in your home
  • Deductible desired

"What is a deductible?"

A deductible is what you agree to pay out-of-pocket when you file a claim. This amount is subtracted from your total claim amount, and your insurance company pays the balance. The higher your deductible, the lower your policy cost.

"What if I need more information?"

Additional questions about Georgia home insurance can be answered by the Georgia Insurance and Safety Fire Commissioner's office. Call them toll free at 800-656-2298, or consult them online at www.inscomm.state.ga.us/.


Get accurate quotes from real agents!

Research, arm yourself with knowledge and submit your information to InsureMe today for accurate, affordable Georgia home insurance quotes.

Finding free home insurance quotes has never been quicker or more convenient!


Free Car Insurance Quotes!  
Free Home Insurance Quotes!  
Free Health Insurance Quotes!  
Free Life Insurance Quotes!  
List of Articles
No. Subject Author Views
55 Wyoming Home Insurance youcomparequotes 6532
54 Wisconsin Home Insurance youcomparequotes 6815
53 West Virginia Homeowners Insurance youcomparequotes 6402
52 Washington, D.C. Home Insurance youcomparequotes 8036
51 Washington Home Insurance youcomparequotes 6122
50 Virginia Home Insurance youcomparequotes 6344
49 Vermont Homeowners Insurance youcomparequotes 6763
48 Utah Homeowners Insurance youcomparequotes 6102
47 Texas Home Insurance: Not Fun, Not Hip But Oh-So Important youcomparequotes 7084
46 Texas Home Insurance Quotes youcomparequotes 6573
45 Tennessee Homeowners Insurance youcomparequotes 8192
44 South Dakota Homeowners Insurance youcomparequotes 6829
43 South Carolina Homeowners Insurance youcomparequotes 6147
42 Rhode Island Homeowners Insurance youcomparequotes 6353
41 Pennsylvania Home Insurance Quotes youcomparequotes 6545
40 Oregon Home Insurance Quotes youcomparequotes 12682
39 Oklahoma Homeowners Insurance youcomparequotes 6573
38 Ohio Home Insurance Quotes youcomparequotes 6852
37 North Dakota Homeowners Insurance youcomparequotes 6295
36 North Dakota Home Insurance youcomparequotes 6186
35 North Carolina Homeowners Insurance youcomparequotes 10647
34 New York Home Insurance Quotes youcomparequotes 6857
33 New Mexico Homeowners Insurance youcomparequotes 6677
32 New Jersey Home Insurance youcomparequotes 6242
31 New Hampshire Home Insurance youcomparequotes 6321
30 Nevada Home Insurance youcomparequotes 6455
29 Nebraska Home Insurance youcomparequotes 6298
28 Montana Home Insurance youcomparequotes 6657
27 Missouri Home Insurance Quotes youcomparequotes 6337
26 Mississippi Home Insurance youcomparequotes 6420
25 Minnesota Home Insurance Quotes youcomparequotes 6582
24 Michigan Home Insurance Quotes youcomparequotes 6681
23 Maryland Home Insurance youcomparequotes 6582
22 Maine Homeowners Insurance youcomparequotes 6393
21 Louisiana Homeowners Insurance youcomparequotes 6717
20 Kentucky Homeowners Insurance youcomparequotes 6189
19 Kentucky Home Insurance youcomparequotes 6543
18 Kansas Homeowners Insurance youcomparequotes 6770
17 Iowa Homeowners Insurance youcomparequotes 6225
16 Indiana Homeowners Insurance youcomparequotes 6584
15 Illinois Home Insurance Quotes youcomparequotes 7254
14 Idaho Home Insurance youcomparequotes 6387
13 Hawaii Home Insurance youcomparequotes 6392
» Georgia Home Insurance youcomparequotes 6550
11 Florida’s Home Insurance Headache youcomparequotes 7743
10 Florida Home Insurance Quotes youcomparequotes 6509
9 Delaware Home Insurance youcomparequotes 6076
8 Connecticut Homeowners Insurance youcomparequotes 6373
7 Colorado Home Insurance Information: Protecting Your Personal Rocky Mountain Paradise youcomparequotes 10938
6 Colorado Home Insurance Information youcomparequotes 6984
5 California Home Insurance youcomparequotes 6584
4 Arkansas Home Insurance youcomparequotes 6562
3 Arizona Home Insurance Quotes youcomparequotes 7624
2 Alaska Homeowners Insurance youcomparequotes 6273
1 Alabama Homeowners Insurance youcomparequotes 6203
XE Login