10/04/2026
Why did your Georgia homeowners premium go up, even if nothing changed with your house?
Q: Is it necessarily something you did?
A: Not necessarily. Over the last three to five years, many carriers have raised premiums and tightened their books after heavy claims and losses in Georgia, including losses from a major hurricane that came through the state. Some carriers are writing fewer homes because they want less risk.
Q: Are all carriers looking at your home the same way?
A: No. Some companies that were not writing many homes at the time have now become more aggressive. They may have easier underwriting, lower premiums, and be more willing to write new business because they want it.
Q: What is the practical move for a Thomas County homeowner?
A: Quote with an independent agent. It is not always about the homeowner. It can come down to each carrier’s appetite at that particular time.
As an independent agent, I represent most of the companies in Georgia. I know which ones are hungry for business and which ones are not really looking for new homes.
You do not have to settle for one company’s answer. Let us compare your options and help you find coverage that fits your home and budget, without cutting protection just to chase a lower price.
Message Insurance Express for a homeowners insurance review.
