Haris Ashley
Progressive offers homeowners insurance in Georgia, providing various coverage options to protect your home and personal property against a range of risks and damages. The average cost of homeowners insurance in Georgia is $163.40 per month or $1,960.76 for an annual policy. Progressive offers several discounts in Georgia, including multi-policy, safe driver, and pay-in-full discounts, among others, to help lower your premiums. Homeowners insurance policies generally won't cover flooding, and in Georgia, wind-related perils like tornadoes and hurricanes may require some policyholders to have a separate hurricane deductible.
| Characteristics | Values |
|---|---|
| Company | Progressive |
| Location | Georgia |
| Type of Insurance | Homeowners Insurance |
| Coverage | Dwelling Coverage (Coverage A), Other Structures Coverage (Coverage B), Personal Property Coverage (Coverage C), Personal Liability Coverage, Medical Payments Coverage to Others, Temporary Living Expenses Coverage |
| Discounts | Multi-policy, Safe Driver, Pay-in-full, Homeowner Discount, Home Safety Features Discount |
| Exclusions | Flooding, Earthquakes, Landslides, Mudslides, Sinkholes, General Wear and Tear |
| Customer Support | Phone: 1-800-PROGRESSIVE (1-800-776-4737), Progressive Mobile App, Online Website, Local Agent |
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What You'll Learn
Progressive offers homeowners insurance in Georgia
Homeowners insurance in Georgia can protect against damage caused by tornadoes and hurricanes, which are common weather events in the state. It's important to note that flooding is typically not covered under homeowners insurance, so if you're concerned about flooding, you may need to purchase a separate policy.
Progressive's HomeQuote Explorer® tool allows you to compare rates and coverages from different companies to find the best option for your needs. You can also get a free quote online or by calling a licensed representative.
In addition to covering damage to your home's structure and attached and detached structures, Progressive's homeowners insurance also covers personal property, including furniture, clothing, and electronics. It can also provide liability coverage if you or your family members are liable for someone else's damage or injuries.
There are also various discounts available to help lower your premiums, such as multi-policy, safe driver, pay-in-full, and home safety improvements discounts. You can contact Progressive directly or speak with your insurance agent to discuss specific discounts and coverage options.
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Discounts and savings for Georgia residents
Progressive offers several discounts to Georgia residents to help lower their premiums. Here are some of the ways Georgia residents can save on their homeowners insurance:
Multi-Policy Discount
Bundling your home and auto insurance policies can lead to significant savings. Progressive customers in Georgia can save an average of 7% on their auto policy when bundling it with homeowners insurance. Additionally, you can combine other policies, such as home and motorcycle, auto and boat, or home and RV, to maximize your savings.
Pay-in-Full Discount
Georgia residents who pay their policy premium in full, rather than in monthly installments, may qualify for a discount. Paying for the entire year upfront can help lower the overall cost of homeowners insurance.
Alarm Systems and Safety Features
Installing alarm systems, such as burglar and fire alarms, and safety features like automatic sprinklers, can make you eligible for discounts on your homeowners insurance. These safety measures reduce the risk of incidents, which is favourable for insurers and can result in discounted premiums for homeowners.
Newer Home Discount
The age of your home can also impact your insurance rates. Newer homes may qualify for larger discounts, as they are less likely to have issues that older homes may develop over time. Residences built in 2002 or later can receive policy credits, and even older homes may qualify for discounts.
Safe Driver Discount
Georgia residents with a clean driving record, free of accidents and violations, may be eligible for lower rates on their auto insurance policies. Progressive offers a safe driver discount, rewarding customers for their cautious driving habits.
It is important to note that discounts may vary, and Georgia residents are encouraged to contact Progressive or find a local agent to explore all the discounts applicable to their specific circumstances.
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How to get a quote
Progressive offers homeowners insurance in Georgia, providing various coverage options to protect your home and personal property against a range of risks and damages.
Firstly, it is important to note that Progressive uses a network of home insurance companies, and your provider will vary based on your location. You can get a quote online, over the phone, or with an agent. Progressive's HomeQuote Explorer® tool allows you to compare rates and coverages from different companies to help you find the best coverage for your needs.
Online
If you choose to get a quote online, you can often see your rates and coverages in minutes. You will need the property's address and basic information about the home. Progressive's website also offers a personal property calculator that can help you estimate the value of your belongings.
Over the phone
You can call 1-866-749-7436 to speak to a licensed representative who can answer your questions and help you get a quote.
With an agent
You can find a local agent in Georgia by calling the number above or visiting Progressive's website.
Discounts
There are several ways to lower your premium, including discounts for bundling your home and auto insurance, paying in full, quoting in advance, and installing safety features such as burglar alarms and fire sprinklers. Progressive also offers discounts in Georgia for multi-policy, safe driver, and more.
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What's covered and what's not
Progressive offers homeowners insurance in Georgia. The HomeQuote Explorer® tool allows you to compare rates and coverages from different companies to help you find the best coverage for your needs.
What's Covered
- Dwelling coverage (Coverage A) protects your home's structure (roof, walls, etc.) as well as attached structures, like a porch.
- Other structures coverage (Coverage B) protects detached structures, such as a fence, shed, or detached garage.
- Personal property coverage (Coverage C) protects your personal belongings, including furniture, clothing, and electronics, if they're stolen, damaged, or destroyed in a covered loss.
- Personal liability coverage protects you financially if you are responsible for someone’s injuries or damage to their property.
- Personal injury coverage includes legal fees and additional damages from slander or libel lawsuits.
- Loss of use coverage pays for expenses above what you'd normally pay if you can't stay in your home during repairs.
What's Not Covered
- Flooding is not typically covered under a homeowners policy. If you're concerned about flooding, you may need to purchase a separate flood insurance policy.
- Sewage back-up or sump pump overflows are not usually included in standard coverage. Adding water back-up coverage as optional coverage may help in the event of sump pump overflow due to heavy storms.
- Homeowners insurance generally does not cover earthquakes, landslides, mudslides, or sinkholes.
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How to file a claim
Progressive offers homeowners insurance in Georgia. The average cost of homeowners insurance in Georgia is $163.40 per month or $1,960.76 for an annual policy. This cost may be higher than the national average, but there are ways to bring it down, such as bundling home and auto insurance or paying for a full year upfront.
Step 1: Report the incident
Report the loss to your insurance company or agent as soon as possible. Provide them with details about the incident and any relevant documentation they may need to evaluate your claim. If the damage to your property is due to a crime, you will also need to file a police report.
Step 2: Make emergency repairs
If necessary, make emergency repairs to prevent further damage to your property. Keep any receipts for these repairs, as you may be able to include them with your claim filing.
Step 3: Document the damage
Take photos and videos of the damage to your home and any damaged items. Create a list of claimed items and, if possible, include their estimated worth.
Step 4: Complete the claim forms
Your insurance company will provide you with claim forms to complete. Fill out these forms as quickly as possible and provide any requested documentation, such as photos, videos, and receipts.
Step 5: Work with the claims adjuster
If a claims adjuster is assigned to your claim, they will want to assess the damage in person. Work with the adjuster to provide them with access to your property and any other information they may need.
Step 6: Follow up as needed
Stay in communication with your insurance company or agent throughout the claims process. Provide any additional documentation or information that may be requested, and be sure to ask any questions you have about the status of your claim.
It is important to note that each home insurance claim process is unique, and there may be variations in the specific steps or requirements. Be sure to consult your homeowners insurance policy and your insurance company for the most accurate and up-to-date information.
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Frequently asked questions
Yes, Progressive offers homeowners insurance in Georgia.
Homeowners insurance in Georgia covers damage to your house and other attached and detached structures on your property. It also covers your belongings, personal liability, and medical payments to others. Additionally, it provides temporary living expenses while your home is being repaired or rebuilt due to a covered loss.
The average cost of homeowners insurance in Georgia is $163.40 per month or $1,960.76 annually. The cost may vary depending on factors such as the type of home, the age of your roof, weather-related factors, local crime rates, and safety features in your home.
You can get a quote for Progressive homeowners insurance in Georgia by using their HomeQuote Explorer® tool online or by calling their customer service number at 1-866-749-7436.
