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If you own a condo, it is important to have the best condo insurance. This type of insurance will protect your home and belongings in case of a disaster or other event. In addition to protecting your belongings from damage or destruction, condo insurance also provides liability coverage that could provide protection in the event of an accident.

Condo insurance is a great way to protect your investment from an unexpected event. It covers your condo's interior structure, belongings that are not covered by your homeowners association (HOA) insurance policy.

This guide will help you know about the best condo insurance companies in Georgia, also find out the least and most expensive zip codes for Georgia homeowners. Use this resource to find the most affordable condo insurance company in Georgia under your budget.

Best condo insurance companies in Georgia

In Georgia, you have a lot of options when it comes to finding the best condo insurance company. To make your task easier, our insurance experts have analyzed premiums, coverage offerings, J.D Power score and customer satisfaction rating of all the major insurers across Georgia. Below are the best condo insurance companies in Georgia based on Insurance.com's analysis.

  • USAA
  • State Farm
  • Auto-Owners
  • Allstate
  • Farmers

Compare best condo insurance companies in Georgia

USAA is our top pick for the best condo insurance company in Georgia. It has earned 882 scores out of 1000 from J.D. Power, the highest among the carriers surveyed. Apart from USAA, State Farm can be your best bet for condo insurance in Georgia. It has received 835 scores out of 1000 from J.D. Power and an A++ rating from AM Best.

Buying condo insurance is different from getting a standard homeowners insurance policy. Condo insurance and single-family homeowners insurance seem to be the same thing. Just like a traditional home insurance policy, condominium insurance covers-

  • Personal property coverage- This covers your personal belongings such as furniture, electronics, clothing, and jewelry.
  • Liability protection- This provides protection if someone is hurt or injured on your property, or you damage someone else's property.
  • Dwelling coverage- It protects the building itself and any structures in it.
CompanyJ.D. Power scoreAM Best rating
USAA882A++
State Farm835A++
Auto-Owners831A++
Allstate829A+
Farmers813A
Nationwide812A+
Travelers800A++

Average cost of condo insurance in Georgia

The average cost of condo insurance in Georgia is $1,012 per year or $84 per month for $40,000 as personal property coverage with a $1,000 deductible and $100,000 in liability protection. However, rates can vary, based on the insurance company you choose and the zip code you live in.

If you are looking to buy a condominium, condo insurance is an important consideration. Not only does it provide coverage for common areas and appliances in the building but also provides protection for personal belongings and the interior of the unit against damage caused by fire or theft, vandalism, or natural disasters.

Investing in a condo is one of the largest investments you'll make in your lifetime. Therefore, it makes sense to protect this investment with condo insurance.

Average annual premiumAverage monthly premium
$1,012$84

CONDO INSURANCE CALCULATOR

Average condo insurance rates in GEORGIA

$60,000
$1,000
$100,000
30310 - Atlanta
Personal Property Coverage $60,000, Deductible $1,000 and Liability $100,000.

AVERAGE RATE: $1,031

HIGHEST RATE: $4,488 LOWEST RATE: $370
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Most & least expensive zip codes for condo insurance in Georgia

Most Expensive

Zip CodeCityHighest Rate
31328Tybee Island$1,136
31410Savannah$1,133
31411Skidaway Island$1,125
31401Savannah$1,121

Least Expensive

Zip CodeCityLowest Rate
30683Athens$898
30720Dalton$901
30710Cohutta$901
30605Athens$902

Condo insurance rates by companies in Georgia

Based on Insurance.com's rate analysis, Allstate is the cheapest condo insurance company among the carriers surveyed. Its average annual premium is $402---$610 less than the state average ($1,012). Apart from Allstate, Georgia Farm Bureau and Charter Oak Fire Ins Co are the other two cheap insurance companies in Georgia for condo insurance.

Condo insurance rates can vary based on where you live, how much liability protection you need and how comprehensive your condo insurance coverage is. In order to find the perfect condo insurance policy, it's important that you get a number of quotes and compare rates. This is one of the best ways to get a great condo insurance policy in Georgia.

Below is the list of best condo insurance providers and their average annual premium for Georgia residents.

CompanyAverage annual premium
Allstate$402
Georgia Farm Bureau$443
Charter Oak Fire Ins Co$588
Nationwide$622
USAA$807
Farmers$837
Foremost$850
Travelers$905
Garrison$907
State Farm$956
First Liberty$1,406
LM Gen Ins Co$1,532
Auto Owners$4,719