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Is homeowners insurance required in Georgia?

Georgia does not legally require homeowners insurance, but any party with a secured financial interest in your property will require it. Beyond that, Georgia has significant hail and wind exposure (particularly spring and summer), making coverage practically essential. Important Georgia quirk: most homeowners policies use a percentage-based wind/hail deductible (typically 1-2% of dwelling coverage) rather than a flat dollar amount. On a $500K home with a 2% deductible, that is $10,000 out of pocket before the carrier pays on a storm claim. We review this on every placement.

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Is homeowners insurance required in Georgia?

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