Best Savannah Homeowners Insurance Quotes (2025)
Allstate, USAA, and Chubb offer the best homeowners insurance policies in Savannah, Georgia.
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The average cost of home insurance in Savannah, Georgia, is $4,811 per year for a $300,000 policy with a $1,000 deductible. The city is known for its historic landmarks, coastal views, and beautiful weather.
But homeowners in Savannah also have to prepare for floods and hurricanes. Standard policies include coverage for hurricane damage, but they don’t cover flooding damage. Savannah homeowners may want to consider adding a flood insurance policy.
Here’s what you need to know about finding affordable home insurance in Savannah.
Quick Facts
Savannah homeowners pay 75% more for home insurance than the Georgia state average of $2,755.
A $300,000 policy with a $500 deductible costs an average of $4,909 annually.
Auto-Owners offers the cheapest home insurance policies in Savannah.
Best home insurance companies in Savannah
Savannah homeowners have a range of home insurance companies to choose from. The best home insurance company for you depends on your priorities and specific needs. It’s helpful to consider the age of your home, the amount of coverage, and your budget.
The following insurers are some of the top companies in Savannah.
Best company for cheap coverage: Allstate
Best company for military members: USAA
Best company for flood insurance: Chubb
Our editorial team analyzed regional and national home insurance companies that sell policies in Savannah to assess which offer the best rates, coverage options, customer service, and savings to homeowners. We prioritized competitive rates, 24/7 customer service, homeownership discounts or bundling options, and specialty or supplemental coverages.
Cheapest home insurance companies in Savannah
Despite the high average annual cost, Savannah homeowners can still find affordable coverage. Currently, Auto-Owners offers the cheapest home insurance in Savannah. Coverage from Auto-Owners is 44% more affordable than the city average. The following companies have some of the cheapest home insurance rates for a $300,000 policy.
Insurance Company  | Average Annual Premium |
|---|---|
| Auto-Owners | $2,711 |
| Allstate | $2,725 |
| Armed Forces Insurance Exchange | $2,975 |
| USAA | $3,473 |
| Travelers | $3,473 |
| Nationwide | $4,051 |
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How much is home insurance in Savannah?
The average annual cost of home insurance in Savannah is $4,909 for a $300,000 policy with a $500 deductible. A policy with a $100,000 deductible costs $4,811 per year, on average. Insurance costs in the city are higher than the state average.
The city’s location, near the Atlantic Ocean and in the path of tropical storms, makes homes in the area more vulnerable to damage from hurricanes and flooding.[?]
Cost of home insurance by dwelling coverage in Georgia
The dwelling coverage limit of your insurance policy is the maximum amount the insurer will pay when you file a claim. Policies with higher coverage limits cost more since they provide more financial protection.[?]
Here’s how much Georgia homeowners pay for insurance based on different dwelling coverage limits.
Coverage Limit | Average Annual Premium |
|---|---|
| $100,000 | $1,299 |
| $200,000 | $2,031 |
| $300,000 | $2,755 |
| $400,000 | $3,528 |
| $500,000 | $4,293 |
Cost of homeowners insurance by deductible amount
Your insurance deductible is the amount you have to pay when you file a claim before your insurer steps in to cover the rest. It’s always the same amount, regardless of the claim size. Insurance policies with high deductibles usually cost less since you pay more when you file a claim.[?]
For example, let’s say your home has $20,000 of damage due to vandalism. Your deductible is $1,000. You pay $1,000, and the insurance company pays the remaining $19,000 for repairs.
Here are the average annual premiums in Savannah for different deductible amounts.
Deductible Amount | Average Annual Premium |
|---|---|
| $500 | $4,909 |
| $1,000 | $4,811 |
Average cost of home insurance in other cities in Georgia
Savannah homeowners pay the most for coverage in Georgia. Your location affects how much you pay for coverage, especially if you’re closer to the ocean and more likely to experience flooding due to storms.
But home insurance prices also change based on your ZIP code within a city. For example, you might pay less if you live in an area with lower crime rates or if your home is in close proximity to a fire station.
The table below shows how home insurance rates in Savannah compare to the average costs for other cities in Georgia.
City | Average Annual Premium |
|---|---|
| Alpharetta | $2,529 |
| Atlanta | $3,196 |
| Augusta | $3,007 |
| Cumming | $2,628 |
| Duluth | $2,656 |
| Lawrenceville | $2,611 |
| Marietta | $2,715 |
| Powder Springs | $2,660 |
| Savannah | $4,811 |
| Stockbridge | $2,822 |
| Suwanee | $2,731 |
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What to know about owning a home in Savannah
The cost of living in Savannah is comparable to the national average, and property is nearly 25% cheaper. Even though homes are affordable, home insurance costs don’t follow the same trend.
Tropical storms and flooding make Savannah home insurance more expensive. Most policies include coverage for damage from windstorms, including tornadoes and hurricanes. But you might have to pay a separate hurricane deductible.
Additionally, standard home insurance policies don’t cover flood damage. You’ll need to add a flood insurance policy through the NFIP or a private insurer. It increases the total cost of coverage, but it’s important to have this coverage when you own a home in Savannah.
Savannah home insurance FAQs
Choosing a home insurer is a big decision. Here’s what you need to know about coverage in Savannah.
The average monthly cost of home insurance in Savannah is $400 for a $300,000 policy with a $1,000 deductible. Homes in Savannah are at an increased risk of flooding and damage from tropical storms. Standard policies include coverage for damage from storms but not floods. You’ll likely need to purchase a separate flood policy, increasing your total costs.
Auto-Owners has the cheapest homeowners insurance in Savannah. The average annual cost is $2,711. Comparing home insurance quotes is one of the best ways to find the most affordable rates.
The 80% rule in homeowners insurance is a way to calculate how much coverage you need. The rule states that your policy should cover at least 80% of the replacement cost of your home.
Yes. Standard homeowners insurance policies include coverage for hurricanes. But you might have to pay a separate and more expensive deductible when you file a claim for hurricane damage. It’s usually 1% to 5% of your coverage limit.[?] It doesn’t cover flooding damage from hurricanes.
Not usually. Homeowners insurance covers water and sewer lines if you add an endorsement. The cause of the damage also affects whether the damage is covered.
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