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    Georgia homeowners insurance

    exterior of a home

    Peach trees aren't the only things planted in Georgia. For many people, the southern charm and subtropical landscapes also make for a wonderful place to plant roots and settle down. Whether you've been drawn to the sprawling Atlanta metropolitan area or the scenic riverside streets of Savannah, make sure you give your home the protection it needs to grow.

    Nationwide offers homeowners insurance designed to fit your specific needs. We also offer discounts to help our members save even more. Start your free Georgia home insurance quote today.

    Georgia homeowners coverages and discounts

    Bundle your insurance policies and save money

    Got savings on your mind? You can save up to 20 percent on your coverage when you bundle your home and auto insurance with Nationwide. That's more money for pilgrimages to Athens to watch the Bulldogs or for that weekend getaway to Tybee Island. You can also bundle other coverages such as boat and auto, multicar, and auto, home and life insurance. Get all the coverage you need in one place and save more of your money for enjoying everything Georgia has to offer.

    Start your quote

    What factors go into determining a homeowners insurance rate?

    While the average cost of homeowners insurance varies based on a number of components, these are common factors that insurance companies use to assess risk and determine your rate:

    Location

    Location includes the state, ZIP code, and claims history of the area.

    Construction

    The materials that were used to build the house. If a custom home is being built additional coverage may be required to cover the construction site.

    Age of the house

    How new or old the house is, and the upgrades that were made to an older home.

    Replacement cost

    The replacement cost is the cost of fully rebuilding the same house. This is typically assessed by an appraiser.

    Swimming pool

    Owning a swimming pool may increase your liability coverage to cover possible injuries.

    Home-based business

    If you a run a business out of your home your premium may increase to cover the inventory, equipment, and supplies.

    Coverage

    The type of coverage you choose and how much personal property and liability protection you want your home insurance policy to cover.

    Find Nationwide Insurance near you in Georgia

    Save up to 20% when you bundle home and car insurance with Nationwide.
    Get a free quote

    Get a free Georgia homeowners insurance review

    A Nationwide On Your Side® Review is a free, annual consultation and insurance assessment that can help you:
    • Increase or decrease your deductible(s)
    • Determine the home insurance coverage options that are right for your budget and situation. For instance, did you recently build a garage or gazebo you need covered? Have you installed a protective device that could qualify you for a discount? The On Your Side® Review is a great time to make these types of updates to your policy.
    • Review our responsive home insurance claim policy
    Call Nationwide at 1-877-On-Your-Side and get your Georgia homeowners insurance quote today.

    Nationwide coverage in Georgia

    Auto insurance

    Find auto coverages and discounts for your state.

    Renters insurance

    Find renters coverages and discounts for your state.

    Motorcycle insurance

    Find motorcycle coverages and discounts for your state.

    On Your Side® Review

    Make sure your insurance keeps up with your life.

    Insurance terms, definitions and explanations are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in individual insurance contracts, policies or declaration pages, which are controlling. Such terms and availability may vary by state and exclusions may apply.