Serving metro Atlanta, Savannah, Augusta, Macon, Columbus, and the rest of Georgia — we explain wind/hail deductibles, roof requirements, and coverage options in plain language.
Home insurance prices in Georgia have risen in recent years along with construction costs and severe-weather claims. Knowing what insurers look at helps you understand your quote and where you may have room to save.
Georgia homes face a mix of weather: severe thunderstorms and hail across north and central Georgia, tornadoes, ice storms that bring down trees and power lines, and tropical storm remnants and coastal wind near Savannah and the Golden Isles. Wind and hail claims are a major driver of premiums, and many policies now carry a separate wind/hail deductible, often a percentage of dwelling coverage. Choose it on purpose rather than by default, because it determines what you pay out of pocket after a storm.
Coastal Georgia (Chatham, Glynn, Camden and nearby counties) can carry named-storm or wind/hail deductibles and closer underwriting, while inland homes are rated more on hail and tornado exposure.
Your roof is often the single biggest underwriting question. Older asphalt-shingle roofs may be covered at actual cash value rather than replacement cost, may face a cosmetic-damage exclusion, or may need an inspection before a policy is written. Impact-resistant (Class 4) shingles and newer roofs can help. Have your roof replacement date or receipt ready when you ask for a quote. Read more about roof and hail coverage in Georgia.
Georgia's mature tree canopy is beautiful, but falling trees are one of the most common homeowners claims in the state. Water damage from burst pipes during hard freezes, plumbing leaks, and sewer or drain backup (usually an optional endorsement) are also common. Standard policies do not cover flood; flood insurance is available through both FEMA (NFIP) and private insurers.
Year built, construction type (brick vs. frame), replacement cost, distance to a fire station and hydrant, claims history, credit-based insurance score where permitted, and the condition of plumbing, electrical, and HVAC all play a role.
Homeowners insurance also protects you if someone is hurt on your property or you accidentally damage someone else's property. Pools, trampolines, and certain dog breeds can affect eligibility or pricing. Many homeowners choose liability limits of $300,000 or more and add an umbrella policy for extra protection. We also review dwelling coverage against current rebuilding costs so you are not underinsured after a total loss.
Condo and townhome owners usually have two policies involved. The association's master policy generally covers the building structure and common areas. Your HO-6 covers personal belongings, interior items the master policy excludes, personal liability, additional living expenses, and loss assessment if the association bills owners for a shared loss or deductible. Read our Georgia condo insurance guide.
Advance Insurance Inc. is an independent agency, not an insurance company. Matt Reichmann, licensed agent (Georgia License # 201028), reviews your details, explains deductibles and coverage in plain language, and shows you the options available for your property. All coverage is subject to underwriting approval. Request your free, no-obligation quote or call (678) 402-7354.
No. Standard homeowners and condo (HO-6) policies generally exclude flood. Flood coverage is a separate policy, available through both FEMA (NFIP) and private insurers. Flash flooding from heavy rain can affect homes outside mapped high-risk zones.
Generally yes, wind and hail are covered perils on most Georgia homeowners policies, but many policies use a separate wind/hail deductible, often a percentage of dwelling coverage. Check your declarations page so you know what you would pay after a storm.
Instead of a flat dollar amount, some policies set the wind/hail deductible as a percentage of dwelling coverage (commonly 1%, 2%, or 5%). On a home insured for $300,000, a 2% deductible is $6,000.
Yes. Roof age, material, and condition are major underwriting factors. Older roofs may be covered on an actual cash value basis instead of replacement cost, or require an inspection. Availability varies by carrier and underwriting.
If a tree falls on your house or insured structure because of a covered peril such as wind, the damage to the structure is typically covered, and removal is often covered up to a limit. A tree that falls without hitting a structure usually is not.
Usually, yes. The master policy typically covers the building structure and common areas. An HO-6 covers your personal property, interior items the master policy does not, personal liability, loss of use, and loss assessment.
No. Advance Insurance Inc. is an independent agency, not an insurance carrier. Matt Reichmann is licensed in Georgia (License # 201028) and reviews the options available for your property.
Send the form with your property details. Matt Reichmann reviews each request personally and follows up by phone or email. Having your roof age, year built, and current declarations page handy speeds things up.