12 articles on home insurance from Mortgage in Georgia.
Federal law requires flood insurance only for homes in FEMA high-risk zones financed by federally regulated or insured lenders. Outside those zones, your Georgia lender can still require it. Here's how to check your map, read your zone, and decide whether to buy a policy anyway.
By Mortgage in Georgia Editorial · Oct 8, 2026
Georgia's insurance commissioner does not pre-approve home insurance rates, but the office is not powerless either. Here is what state law allows, what the Nov. 3 candidates are promising, and how a premium increase shows up in your mortgage escrow.
By Mortgage in Georgia Editorial · Sep 29, 2026
The National Flood Insurance Program's authority to write and renew policies ends at 11:59 p.m. on September 30, 2026. Existing coverage survives a lapse; new purchases are what stall. Here is what actually stops, the assignment workaround most Georgia buyers never hear about, and the five things to do before you sign in Chatham, Glynn or an Atlanta flood zone.
By Mortgage in Georgia Editorial · Aug 30, 2026
Georgia home insurance premiums are up roughly 40% since 2020, and the number your lender put on the Loan Estimate is the one line on that form with no accuracy requirement attached to it. Here is how a stale insurance placeholder turns into a debt-to-income problem on day 12 of a 30-day contract — and what changed in March 2026 that cuts the other way.
By Mortgage in Georgia Editorial · Aug 29, 2026
An escrow analysis Cotality ran for USA TODAY found as many as 65% of homeowners are carrying an escrow shortage averaging $2,157 — about $180 a month if spread over a year. Here is what is driving it in Georgia, what Regulation X actually requires your servicer to offer you, and the three moves worth making before you sign anything.
By Mortgage in Georgia Editorial · Aug 17, 2026
Insurify projects Georgia home-insurance premiums will rise about 10% in 2026, on top of roughly 9% last year. Here's the mechanism most homeowners miss: because premiums are usually paid through escrow, a rate spike quietly raises your monthly mortgage payment even when your interest rate never changes.
By Mortgage in Georgia Editorial · Jul 4, 2026
The National Flood Insurance Program's authority to write new policies is set to expire at 11:59 p.m. on September 30, 2026 unless Congress acts. Here's how a lapse could stall closings in Chatham, Glynn, Camden, and Bryan counties — and what coastal Georgia buyers can do about it now.
By Mortgage in Georgia Editorial · Jul 2, 2026
Premiums are projected to climb another 10% statewide in 2026 after a 39.7% run-up since 2021, and underwriting in metro Atlanta's hail-prone exurbs is tightening. Here is how a non-renewal letter three weeks before closing actually plays out — and the statutes, federal rules, and DTI math that decide whether your loan still works.
By Mortgage in Georgia Editorial · Jun 9, 2026
Wind-belt closings are getting derailed by late non-renewals and quote shocks that blow up DTI. Here is how Brunswick and Savannah buyers line up a backup carrier, a GUA quote, and the binder timing their lender now expects.
By Mortgage in Georgia Editorial · Jun 5, 2026
NOAA forecasts a below-normal 2026 Atlantic season, but Risk Rating 2.0's 18%-a-year premium glide-path is the storm Chatham, Glynn, and Camden buyers can actually see coming. Here is how it lands in your escrow.
By Mortgage in Georgia Editorial · Jun 3, 2026
A 2025 Realtor.com analysis pegs the homeowners-insurance gap between newly built homes and 20-year-old resales at about 35%, or roughly $1,002 a year. In Georgia — where 2025 premiums jumped 8.6% and coastal carriers are walking away — that gap reshapes affordability faster than most buyers realize.
By Mortgage in Georgia Editorial · May 21, 2026
A 2025 Realtor.com analysis shows newly built homes cost about 35% less to insure than 20-year-old ones — roughly $1,002 a year. In Georgia, HB 279's FORTIFIED discount mandate and coastal hurricane deductibles stack on top of that gap, quietly reshaping what buyers can actually afford at the same DTI.
By Mortgage in Georgia Editorial · May 21, 2026
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