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Homeowners Insurance in Georgia


from Concierge Insurance Group

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Protect Your Georgia Home With Confidence

Your home is your biggest investment. From storm damage to fire or theft, you need protection that works when disaster strikes. At Concierge Insurance Group, we simplify homeowners insurance for families in Duluth, Alpharetta, Milton, and across the Atlanta metro.

What’s Covered in a Homeowners Policy?

Most Georgia homeowners' policies include:

  • Dwelling Coverage – pays to rebuild your house.
  • Other Structures – sheds, fences, detached garages.
  • Personal Property – furniture, electronics, clothing, jewelry.
  • Loss of Use (ALE) – covers hotel, meals, and living expenses if your home becomes uninhabitable.
  • Liability Coverage – protection if someone is injured on your property.
  • Medical Payments – covers smaller medical bills after an accident.

💡 Popular add-ons for Atlanta-area homeowners: Sewer backup, scheduled valuables (jewelry/art), home-based business coverage, and flood insurance.

How Much Does Homeowners Insurance Cost in Atlanta?

The average premium in Georgia is about $2,166/year. Duluth homeowners average around $1,518/year — about 30% less than the state average.Example Premiums (Duluth area):

  • $200,000 coverage: ~$1,129-1629/year
  • $300,000 coverage: ~$1,693-2193 a year
  • $400,000 coverage: ~$2,257-2757/year

✅ Key Factors That Impact Your Premium

Several things drive home insurance costs in Georgia — both at the individual policy level and in your neighborhood risk profile:

  • Dwelling Coverage Amount – insuring a $500k home costs more than a $250k home.
  • Location – zip code, proximity to hydrant/fire station, flood/disaster zones, and area crime/claims history.
  • Construction Type & Age – newer or renovated homes often get discounts; wood-frame houses usually cost more than brick.
  • Deductible Choice – higher deductibles lower your annual premium.
  • Claims History – prior claims (yours or your neighborhood’s) increase rates.
  • Credit Score – lower credit typically = higher Georgia premiums.
  • Coverage Selections – endorsements (flood, sewer backup, valuables) add cost.
  • Liability Limits – higher protection ($500k+) raises premiums.
  • Home Features – pools, trampolines, home-based businesses, and high-value items increase risk and cost.
  • Carrier & Agent – each carrier has its own pricing formula; our team shops the best fit for you.

Why Choose Concierge Insurance Group?

  • Local Atlanta expertise — we know Duluth, Alpharetta & Milton markets.
  • Top carrier access — Safeco, Travelers, Nationwide, Hanover, Progressive, and more.
  • Concierge service — personalized coverage reviews, not cookie-cutter quotes.
  • High retention — clients stay with us because their coverage works when they need it.

How It Works

  1. Schedule a Free Call – share your home details.
  2. Compare Your Options – see multiple carriers, side-by-side.
  3. Protect Your Home With Confidence – knowing you’ve got the right coverage at the right price.

FAQs

Is flood insurance included?

No — you must add a separate policy. Even inland areas like Duluth and Alpharetta can flood during heavy rains.

Do I need higher liability limits?

Many Georgia families increase liability to $500k+ or add umbrella policies to protect their assets.

How can I lower my premium?

Bundle home + auto, increase deductibles, maintain good credit, and keep your home updated.


Next Step: Protect Your Home

➜ Get My Free Homeowners Quote

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