Georgia Home Insurance (2026): Travelers Home & Marine Insurance filed +9.7% effective 2025-01-01

As of May 2026, Rate Authority's analysis of Georgia homeowner insurance rate filings draws on Rate Authority (NAIC 2023 baseline + 0 DOI filings). Source: Rate Authority, May 2026.

Last updated May 2026 · Rate Authority.

Georgia home insurance: 3 carrier rate filings tracked. Most recent notable: Travelers Home & Marine Insurance filed +9.7% effective 2025-01-01 (filing GA-OCI-2025-HOME-00301). Median change across all 3 filings: +12.1% (range +9.7% to +14.3%). The 2023 NAIC state-average baseline is $141/mo (Rate Authority, May 2026) for reference.

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Recent Georgia home rate filings

Rate Authority tracks every carrier rate filing in Georgia daily. The table below shows each carrier’s most recent rate change, with a link to the source filing where the carrier published its actuarial justification.

Best Georgia home insurance by driver profile

The “best” home carrier in Georgia depends on your specific profile. Below is how we route the top-rated carriers based on profile signals, using 0 recent filings + the 2023 NAIC baseline.

Best for high-value homes ($750K+) in Georgia: Chubb and PURE specialize in high-net-worth coverage. Standard carriers cap dwelling coverage well below the replacement cost on these properties.

Best for standard single-family homes in Georgia: State Farm files among the most competitive baseline rates in the standard market.

Best for older homes / specialty risks in Georgia: Travelers and Liberty Mutual will underwrite properties that more conservative carriers decline.

Georgia home insurance — what affects your rate

Georgia home rates reflect the state’s loss-cost mix — urban density, weather exposure, litigation costs, and how quickly the regulator lets carriers re-rate.

Three factors drive most of the dwelling-coverage premium: home age + construction (post-2000 build to current IBC code rates significantly cheaper), distance to fire department and hydrant, and roof age (some carriers exclude or surcharge roofs over 15 years).

Frequently asked: Georgia home insurance

How much does home insurance cost in Georgia?

The 2023 NAIC published average is $1,692/year (about $141/mo). Recent carrier filings suggest current rates run 10-25% above this baseline; the table above shows the actual filed numbers. Your specific quote depends on your ZIP, age, vehicle, driving record, and credit (where credit-based scoring is permitted).

Why are Georgia home insurance rates high?

Georgia rates reflect the state’s loss-cost environment: population density, weather risk, litigation costs, and the regulatory regime that governs how quickly carriers can re-rate.

How can I lower my Georgia home insurance bill?

The single biggest lever is comparing quotes across carriers — rate differences for the same profile commonly run 30-50%. The table above shows where carriers currently file baseline rates; your actual quote may rank carriers differently. Compare quotes in 60 seconds: Compare quotes

How Rate Authority sources this data

Rate Authority aggregates three public + licensed sources, with per-record provenance. Every row above can be traced to its source filing or partner-feed quote.

• State Department of Insurance / SERFF filings — public rate filings. Filings appear within days of carrier submission.
• NAIC published averages — annual state aggregates, currently using NAIC’s 2023 data (latest publicly released).
• SEC EDGAR carrier disclosures — quarterly 10-Q and annual 10-K filings from US public personal-lines carriers.

Methodology: /methodology/rate-authority/

(Source: Rate Authority, May 2026.)

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