Clarke County has 129,609 residents in 54,454 households. We list 4 agencies for home insurance in Athens. Here is what the local numbers say about the cover people here need.

Athens at a glance

4home insurance agencies listed
58.6%of households rentRenters insurance
$298,900median home valueHome insurance
1987median year homes were builtRebuild cost calculator
6.3%of households have no carAuto insurance
4.5%of homes are mobile homesMobile home insurance

Population and housing figures: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates, for Clarke County (the Census does not publish Athens as a separate place). Agency count: our listings.

Natural hazard risk in Clarke County

FEMA rates the overall natural hazard risk in Clarke County, where most Athens agencies we list are located, as Relatively Low compared with other U.S. counties. The hazards it rates highest:

Ice stormRelatively High

Source: FEMA National Risk Index, December 2025 release. Ratings compare each county with all other U.S. counties.

Car insurance rules in Georgia

Georgia requires drivers to carry at least $25,000 of bodily injury liability per person, $50,000 per accident and $25,000 of property damage liability, often written 25/50/25.

These are legal minimums, not a recommendation: a serious crash can cost far more, and anything above your limits is yours to pay.

Auto insurance in Athens How much liability cover do you need?

Source: oci.georgia.gov. Checked 2026-10-24.

Where Athens agencies are

Athens agencies we list sit in 3 ZIP codes, mostly in Clarke County.

306062 agencies
306011 agency
306051 agency

Questions

Home insurance in Athens

All insurance agencies in Athens · Home insurance across Georgia

Where can I find home insurance in Athens?

Browse the agencies on this page, search by name, or pick the insurance you need in the filters to see only the agencies that offer it.

What does home insurance cover?

Covers your building, your contents and your liability as a homeowner.

Do I need flood insurance in Athens?

FEMA's National Risk Index rates inland flooding risk in Clarke County as Relatively Low compared with other U.S. counties. Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.

How do I choose an agency?

Call two or three. Ask which companies they can quote for you, how they handle claims, and who you will deal with after you buy. An independent agency can compare several insurers in one call.

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