From the great food, to the low cost of living, to the temperate climate, Georgia checks just about every box when it comes to quality of life. Throw in world-class entertainment and a range of professional and collegiate sports, and the Peach State offers something for everyone.
But Georgia isn’t immune from trouble. The state has seen its fair share of windstorms and wildfires, and that means Georgia homeowners need to protect their investments.
**That’s where we come in. We’re a new kind of insurance company, dedicated to reimaging home insurance through technology and innovation. Now available in Georgia, our customizable House & Property insurance gives homeowners peace of mind no matter how they use their homes.
The base policy in House & Property insurance is similar to landlord insurance and makes sense for anyone who rents out their home to others. If you live in your home, then you can easily adjust your coverage with an owner-occupied endorsement. The result is coverage more like an HO3 policy.
Enter your address now for a quick Georgia home insurance quote.
You’re covered with Kin
We’re an admitted carrier in Georgia that’s been protecting homes in catastrophe-prone states since 2016. Moreover, Kin has earned a Financial Stability Rating® (FSR) of A, Exceptional, from Demotech, Inc.
The most current FSR® must be verified by visiting www.demotech.com, but the rating is a strong indicator of our ability to meet our financial obligations.
House & Property insurance coverage
The House & Property insurance policy covers a property owner whether they live in the house or rent it out. It provides coverage for:
If you live in the property, then you can get:
Homeowners who rent the property to others get fair rental value coverage to help them recoup losses when the property is unrentable due to a covered loss.
With a House & Property policy, the structure of your home is insured on an open perils basis so you’re protected from losses related to many of the most common perils Georgia homeowners face. These include:
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Wind.
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Fire.
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Theft.
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Vandalism.
Your personal property gets named perils coverage – essentially, covering losses caused by any of the 16 perils listed in your policy.
Interested in upgrading your House & Property insurance? You can add endorsements to:
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Enhance your personal property coverage. Personal belongings are normally insured for their actual cash value, but you can get an endorsement that changes it to replacement cost coverage.
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Cover damage from water back up. A water backup and sump overflow endorsement helps pay for damages not often covered by home insurance.
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Help with required upgrades after a loss. Adding an ordinance or law endorsement makes it easier to meet new building codes by covering the extra costs.
How much does homeowners insurance cost in Georgia?
According to the Insurance Information Institute, the average yearly premium in Georgia is $1,403. That puts the Peach State in the top 15 of states when it comes to home insurance costs.
But insurers can look at several factors to determine your premium, including the age of your home as well as its size, location, and building materials. Additionally, your claims history and coverage selections all impact your home insurance costs. As a result, home insurance quotes can vary quite a bit between insurance companies.
How to save money with Kin
We use technology to access publicly available insurance data to identify risk and determine rates. That way, your premium is based on the real risk to your home and not a generalization about the community.
Additionally, you can earn discounts by:
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Installing home security, water detection, or fire prevention devices.
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Adding wind mitigation features to the house.
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Being claims free for at least three years.
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Managing your coverage online.
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Joining Kin by buying your first policy.
You can opt for a higher deductible to save money on your House & Property insurance. In Georgia, your policy will have three deductibles:
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Standard deductible
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$500
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$1,000
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$1,500
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$2,500
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$5,000
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$10,000
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Hurricane deductible
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Flat-rate options: $500, $1,000, $2,500, $5,000, $7,500, and $10,000
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Percentages options: 1%, 2%, 3%, 4%, 5%, and 10% of your dwelling coverage.
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Wind/hail deductible
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Flat-rate options: $500, $1,000, $2,500, $5,000, $7,500, and $10,000
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Percentages options: 1%, 2%, 3%, 4%, 5%, and 10% of your dwelling coverage.
A higher deductible can lower your premium, but it does mean you’re responsible for more in any loss you experience. So be sure to choose deductible amounts you can afford even after a claim.
Ready to see if you can save money with Kin? Enter your address now to get a home insurance quote in Georgiae.
Frequently asked questions about Georgia home insurance
Home insurance doesn’t have to be difficult – and our answers to these FAQs help to make it even easier.
Is home insurance mandatory in Georgia?
There aren’t any laws in Georgia that make home insurance mandatory. However, mortgage lenders often require home insurance before they’ll offer a mortgage. The lender is usually added as a named insured, so it knows the home will be repaired if a loss occurs.
Why is homeowners insurance so high in Georgia?
One of the main reasons Georgia’s homeowners insurance rates are so high is the state’s likelihood for natural disasters. Tornadoes are common (and may become more so as Tornado Alley shifts), plus the state is exposed to hurricanes and tropical storms both along its coastline and coming out of the Gulf.
Is wind and hail covered in Georgia?
Kin policies in Georgia include wind/hail coverage, which also has its own deductible. This deductible applies to damage caused by hail and windstorms that aren’t named by the National Hurricane Center.
How to get Georgia home insurance
Getting insurance from Kin is easy. Once you enter your address, our online application does most of the work for you. If you prefer, you can also call 855-717-0022 so one of our representatives can assist you.
