Does Georgia require you to bundle home and auto?

No. Georgia has no law requiring a bundle. It does set a minimum for auto liability at 25/50/25 (O.C.G.A. 33-34-4), but whether you place home and auto with one carrier or two is a pricing and coverage choice, not a legal one.

The 25/50/25 requirement in Georgia's auto insurance law applies to every driver registering a vehicle in the state, whether that driver buys a standalone auto policy or a bundle. Georgia's insurance code does not reference homeowners coverage in that requirement at all, and no statute conditions your legal right to drive or own a home on carrying both policies together.

Bundling exists because carriers offer a multi-policy discount to keep more of a household's business, not because the state requires it. A homeowner in Marietta with two vehicles could place the house with one carrier and both cars with a different carrier, and neither policy would be out of compliance with Georgia law. The only requirement that applies is the auto liability minimum on each vehicle, regardless of who insures the house.

There are also cases where splitting is the only realistic option. Coastal Georgia homeowners in wind-exposed counties often cannot bundle at all, because the carrier writing standard home and auto packages will not take on the wind risk, and the home ends up on a separate market. That household still meets every legal requirement by carrying compliant auto liability limits and a valid homeowners policy, just not from the same carrier.

Where bundling does matter is on price. Carriers typically apply a multi-policy discount when a household places home and auto together, so the decision to bundle or split usually comes down to which arrangement produces the lower combined premium and the coverage that fits the property and the drivers on the policy. A coverage review can compare a bundled quote against separate policies for a specific address and driver list to show which one actually costs less.