Geneva Insurance Group is licensed by the Georgia Office of Insurance and Safety Fire Commissioner to write business across all 159 Georgia counties. We compare A-rated carriers for Georgia drivers, homeowners, and businesses — from metro Atlanta through Savannah and the coast, Macon, Augusta, Columbus, and rural south Georgia — tuned to the hurricane, hail, and tornado realities Georgia risk profiles demand.
Georgia requires minimum 25/50/25 liability. Atlanta metro auto rates are among the highest in the Southeast due to claim frequency and uninsured motorist density. We compare carrier appetite for Fulton, DeKalb, Cobb, and Gwinnett risk profiles and almost always recommend 100/300/100 minimum.
Georgia homes face hurricanes along the coast (Chatham, Glynn, Camden, Liberty, McIntosh counties), severe hail and tornadoes inland, and termite damage statewide. We size dwelling coverage to actual rebuild cost and recommend appropriate wind/hail and named-storm deductibles.
Renters and condo policies in Georgia typically run $12-$24/month. Most Atlanta, Savannah, and Augusta landlords require proof of liability before lease signing.
Workers comp is mandatory in Georgia for any business with 3 or more employees (regular or part-time). We write GL, commercial property, professional liability, commercial auto, and BOPs for Georgia businesses across construction, professional services, retail, and hospitality.
Term life, whole life, and individual health insurance for Georgia residents through Office-of-Insurance-Commissioner-licensed carriers. Marketplace and off-exchange options both available.
Personal umbrella for Georgia households — typically $200-$500/year for $1M of coverage. Especially valuable for households with teen drivers, pool owners, or significant home equity in metro Atlanta.
Geneva is licensed by the Georgia Office of Insurance and Safety Fire Commissioner. We follow Georgia-specific rules including the Title 33 insurance code and the Georgia State Board of Workers Compensation framework.
Hurricane-zone carriers for coastal Georgia, standard A-rated carriers across the inland market, and surplus lines for high-value coastal properties. Different parts of Georgia need very different carrier strategies.
Fulton, Gwinnett, Cobb, DeKalb, Chatham, Henry, Forsyth, Hall, Cherokee, Bibb, and the rest. Fully-remote model means no office overhead inflating your premium.
Georgia requires 25/50/25 in liability coverage — $25,000 per person bodily injury, $50,000 per accident bodily injury, and $25,000 property damage. Georgia does NOT require uninsured motorist coverage by default, though carriers are required to offer it. Most independent agents recommend at least 100/300/100 plus uninsured motorist matching your liability limits, especially in metro Atlanta where uninsured driver rates are high.
Yes, for any business with 3 or more employees — regular, part-time, or seasonal. The Georgia State Board of Workers Compensation enforces this strictly. Penalties for going uncovered include payment of the claim plus civil penalties and potential criminal liability for owners.
It depends on location. Coastal Georgia (Chatham, Glynn, Camden, McIntosh, Liberty, Bryan counties) has significant flood exposure from hurricanes and storm surge. Inland flood risk is lower but not zero — the Chattahoochee, Flint, and Savannah river basins all flood. If your property is in a FEMA Special Flood Hazard Area, your mortgage lender will require flood insurance through NFIP or a private carrier.
Yes, particularly in metro Atlanta and along the coast. Auto rates in Fulton/DeKalb/Cobb counties rose 25-40% from 2022 to 2025 due to claim severity and uninsured motorist exposure. Coastal home rates are up due to reinsurance costs after recent hurricane seasons. An independent agent who re-shops at every renewal is the most effective protection.
Georgia auto insurance compared across A-rated carriers.
Georgia homeowners coverage with hurricane, hail, and rebuild-cost structuring.
Workers comp + GL + professional liability for Georgia businesses.
Personal umbrella for Georgia households.