13 carriers raised and 1 carrier cut Georgia homeowners rates in 2026. Homeowners rate hikes hit at renewal — the fastest way to stop overpaying is to compare carriers for your ZIP.
The filed average is not your rate. A single statewide filing can move different ZIPs by wildly different amounts. Here, the biggest single-territory increase we found was +34.1% (Horace Mann, on a +7.8% filed average). COUNTRY Financial’s filing was +0.034% overall yet ranged from +27.1% to -30.6% depending on the ZIP. The “By ZIP” column shows each filing’s range — check your ZIP to see where you land.
Carriers that raised Georgia home rates in 2026
| Carrier | Filed avg | By ZIP | Effective | Source |
|---|---|---|---|---|
| Safeco Safeco Insurance Company of Indiana | +9.8% wanted +26.9% | +14% to +1.9% | — | SERFF #LBPM-134861879 ↗ |
| Cincinnati The Cincinnati Insurance Company | +7.5% | +25% to ±0% ▲ wide | — | SERFF #CNNB-134734847 ↗ |
| Homesite Homesite Insurance Company of Georgia | +12.9% wanted +20.4% | +13% to +12.8% | Sep 3, 2025 | SERFF #HMSS-135017916 ↗ |
| Amica Amica Mutual Insurance Company | +9.8% wanted +14% | +30% to −18% ▲ wide | Nov 1, 2025 | SERFF #AMMA-134467010 ↗ |
| Horace Mann Horace Mann Insurance Company (+2 entities) | +7.8% | +34.1% to −13.7% ▲ wide | Jan 1, 2026 | SERFF #HRMN-134631655 ↗ |
| Cincinnati The Cincinnati Casualty Company | +8.7% | +25% to −2.43% ▲ wide | May 1, 2026 | SERFF #CNNB-134735042 ↗ |
| Farmers Farmers Group Property and Casualty Insurance Company | +7.0% wanted +33.2% | +7.6% to ±0% | May 15, 2026 | SERFF #FAIG-134846094 ↗ |
| Grange Grange Property & Casualty Insurance Company | +3.8% wanted +16.3% | +9.2% to −2.5% | May 18, 2026 | SERFF #GRAN-134826004 ↗ |
| Safeco Safeco Insurance Company of Oregon | +9.9% wanted +26.9% | +17.5% to −12.7% ▲ wide | Jul 29, 2026 | SERFF #LBPM-134861427 ↗ |
| Chubb Chubb National Insurance Company (+4 entities) | +8.1% wanted +11.6% | +10% to ±0% | Aug 11, 2026 | SERFF #ACEH-134915076 ↗ |
| Chubb Chubb Indemnity Insurance Company (+1 entities) | +6.6% wanted +12.4% | +11.6% to −2.1% | Aug 11, 2026 | SERFF #ACEH-134915187 ↗ |
| American Family American Standard Insurance Company of Ohio | +7.6% wanted +17% | +24.8% to −41.8% ▲ wide | Sep 15, 2026 | SERFF #AMFC-134883419 ↗ |
| Farmers Fire Insurance Exchange | +1.7% | +11.7% to −4.6% ▲ wide | Oct 4, 2026 | SERFF #FARM-134979328 ↗ |
Carriers that cut Georgia home rates in 2026
| Carrier | Filed avg | By ZIP | Effective | Source |
|---|---|---|---|---|
| Georgia Farm Bureau Georgia Farm Bureau Mutual Insurance Company | −5.2% wanted +5.1% | ±0% to −13.3% | Feb 1, 2027 | SERFF #GFBR-134795612 ↗ |
Are you actually getting the new rate?
Approved changes are statewide averages, and they reach your policy at renewal. A cut often reaches new buyers first; a hike lands on your next renewal notice. Re-shopping is the only way to know you’re on the best current price for your home.
Figures are filed/approved statewide-average changes from each state’s Department of Insurance (CA via CDI, TX via data.texas.gov, others via SERFF). Individual rates vary by home, roof age, and risk. Each filing links to its source. Not a quote.