Georgia homeowners have been joining the platform faster than almost anywhere else. What neither group — the Georgia homeowner renting rooms through PadSplit, and the Georgia parent welcoming a child back home — is typically thinking about is their insurance. What Standard Georgia Homeowners Insurance Actually CoversGeorgia homeowners insurance averages approximately $2,640 per year — above the national average and reflective of the state’s significant hail, wind, and storm exposure. Standard personal liability limits on a Georgia homeowners policy run $100,000 to $300,000. The Auto Insurance Piece Georgia Homeowners MissWhen an adult child moves home, their car typically comes with them.