Home Insurance in Gainesville

Home insurance is a protection you can't afford to ignore.
Compare, shop and customize quotes from top-rated insurance carriers.

Purchase Peace of Mind With Home Insurance

Protecting your home in the suburbs of Atlanta means purchasing home insurance in Gainesville. This insurance covers damages and losses to your residence when the unexpected happens. While it offers an urban, suburban feel with community parks and great shopping, the property crime rate is 28% higher than the national average.

The Residential Risks in Gainesville

The value of the average home in Gainesville is $375,000, while the average cost of a claim for hail damage is around $12,000. In the event of a fire, you could pay the average cost of structural repair around $72,300 or face a total rebuild.

Though the 43% of residents who are homeowners in Gainesville are outnumbered by renters in the area, the competitive housing market encourages homeowners to hang on to what they have. Your home ownership, financial health and peace of mind depend on good home insurance. With VIU by HUB, you can compare rates and coverage across several companies to make the best choice.

Property crime rates are a concern, as theft and vandalism can take your belongings and destroy your home. These are just some of the risks you could face as a homeowner in Gainesville since weather incidents add to your risks. Home damage can come from large hail, tornadoes, damaging winds, winter storms and flash flooding.

The Necessity of Home Insurance in Gainesville

As a financial investment, home insurance protects against much larger expenses from events that few people can prepare for. The average annual premium in the greater Atlanta area is $1,831, making it a small price to pay for financial security.

The Cost of Home Insurance

The average annual insurance premium for residents in the greater Atlanta area is higher than the state average but lower than the national average of $2,014 per year. Being so close to a metropolitan area with an increased crime rate influences the cost of home insurance in Gainesville. Premiums depend on the level of risk present, personal factors like prior claim history or credit history and home value factors.

The Risk Factors for Gainesville Residents

Insurance covers damages to your home and its contents, with policy limits determined by the risks you face. The most common threats in Gainesville include inclement weather, property crime and fire.

Inclement Weather

Gainesville is just a few miles from the coast, creating the potential for strong winds and flash flooding damage from hurricanes and tropical storms. While a standard policy covers structural damage for covered perils like windstorms, hail and lightning, it won't address flooding concerns. This would need a separate policy.

Property Crime

Basic home insurance in Gainesville addresses losses due to vandalism and theft. Your policy limits should take into account the value of your personal belongings, making it important to be thorough when pricing insurance policies. VIU by HUB gives you a chance to look at policy options and compare prices, making sure you have the coverage you need.


Georgia is ranked 2ndin the nation for the most fire deaths. Whether from faulty electrical wiring or a mishap in the kitchen, a fire can destroy your home and everything inside. Home insurance covers accidental fires, paying to repair, replace or rebuild the content or structure of your home.

Home insurance in Gainesville can address these risks when your policy has the right inclusions and limits. Comparing policies with VIU by HUB lets you see the best options between insurers.

This information is intended for general informational purposes only and is not intended to constitute legal advice.


Best Places

City of Atlanta

CBS News

Forbes Home

Rent Cafe

Policy Genius


Georgia Office of Insurance and Fire Safety Commissioner


Home insurance in Georgia by city

Understand risks, minimum state coverage requirements, average costs and other specifics that can impact auto insurance policies and premium rates in your city.