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Homeowners insurance in Georgia: rates, insurers, regulators and new rules.

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Georgia

Georgia home insurance: State Farm and Allstate lead a $6.4 billion market, coastal wind and inland storms drive costs, and the GUA is the backstop.

Homeowners premiums (2025)$6.37 billion
Largest insurerState Farm (24.60% of 2025 premiums)
Insurer of last resortGeorgia Underwriting Association (GUA)
Insurance department404-656-2070

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