How do I file a complaint against my insurance carrier in Georgia?

The Georgia Office of the Commissioner of Insurance (OCI) handles consumer complaints at oci.ga.gov or (800) 656-2298. Under O.C.G.A.

Is Georgia a fault or no-fault state for auto insurance?

Georgia is a fault state. The at-fault driver's insurance pays for damages.

Is Georgia a no-fault or at-fault state for auto insurance?

Georgia is an at-fault state. The driver who caused the accident is responsible for paying damages.

When is workers compensation required in Georgia?

Yes, with a specific threshold. Georgia requires employers to carry workers compensation insurance if they have three or more employees including part-time workers, under O.C.G.A.

What are the minimum auto insurance requirements in Georgia?

Georgia law requires minimum liability coverage of 25/50/25 under O.C.G.A. 33-34-4: $25,000 bodily injury per person, $50,000 bodily injury per accident, and $25,000 property damage.

Is homeowners insurance required in Georgia?

All FAQs

Quick answer: Georgia does not legally require homeowners insurance, but any party with a secured financial interest in your property will require it.

No, Georgia law does not require you to carry homeowners insurance. The state does not mandate it the way it mandates auto liability coverage. That said, if you have a mortgage, your lender almost certainly requires it, and that requirement is just as binding in practice as any law.

Mortgage lenders require homeowners insurance to protect the asset that secures the loan. If your home burns or is destroyed, the policy pays to rebuild it, which keeps the lender’s collateral intact. If you let the policy lapse, the lender can buy “force-placed” coverage and bill you for it, usually at a much higher cost with far less protection for you.

Even if you own your home free and clear, going without coverage is a serious gamble. Your home is likely your largest asset, and a single fire, storm, or liability claim can wipe out years of savings. In Georgia, wind, hail, and falling trees are common causes of loss, and rebuilding costs have risen sharply.

For example, a kitchen fire causes $120,000 in damage to an Atlanta home. With a standard homeowners policy, the insurer pays to repair the structure and replace damaged belongings after your deductible. Without coverage, that entire bill lands on you, and you would still owe the mortgage.

So while it is not legally required, homeowners insurance is strongly recommended for anyone who owns property in Georgia. Get a free coverage review and we will help you confirm your home is properly protected at a fair price.