What makes Georgia insurance different from other states?

Georgia uses a file-and-use rate system, meaning carriers can begin using new rates immediately after filing them without waiting for DOI approval. Georgia also allows credit-based insurance scoring, which can swing premiums by 20 to 40 percent for identical coverage. Georgia is a fault state for auto, meaning the at-fault driver's insurer pays. And Georgia homeowners policies commonly carry percentage-based wind and hail deductibles rather than flat dollar amounts. On a $400,000 home with a 2 percent wind deductible, that is $8,000 out of pocket before your carrier contributes anything to a wind or hail claim.