Home and auto insurance in Rome, GA
Rome is the Floyd County seat. In the 30165 ZIP, two-thirds of homes were built before 1990, half before 1980, and 41% of households rent.
- Your dwelling limit checked against today's rebuild cost
- Your quote built around what you want covered
- Home and auto bundled when it saves you money
Rome by the numbers
The homes here, and what that means for coverage
Source: U.S. Census Bureau, American Community Survey 2024 5-year estimates, ZIP code 30165.
Ordinance or law coverage matters here
Half the homes here were built before 1980. When an older house is damaged, the repair has to meet today's building code, and a standard policy pays only a limited amount for those upgrades. Ordinance or law coverage raises that amount. On a house this age, we usually recommend it.
Rebuild cost can run above market value
On our calculator, a 1,500 square foot, one-story, builder-grade house on a slab in Floyd County costs about $293,000 to rebuild. The median home value here is $229,500, and that includes the land. Set the dwelling limit from rebuild cost.
Renters need their own policy
41% of households here rent. Your landlord's policy covers the building. A renters policy covers your belongings, your liability if a guest gets hurt, and a place to stay if a covered loss makes your home unlivable.
Free tool
What would your Rome home cost to rebuild?
Our calculator uses Floyd County construction costs. Enter your square footage and finish level and check the result against Coverage A on your policy.
Run the rebuild calculatorAuto in Georgia
State minimum: 25/50/25
That's $25,000 per person and $50,000 per accident for injuries you cause, and $25,000 for property damage. Most households need more. Our guideline is liability equal to 2.5 times household income or net worth, whichever is greater.
Georgia offers two kinds of uninsured motorist coverage. Add-on UM stacks on top of the at-fault driver's liability. Reduced-by UM subtracts it. Add-on is the default and pays more; choosing reduced-by takes a signed rejection.
Find your liability number →Send us your current policy
We'll go through it with you, explain what it pays for and what it doesn't, then build a quote around what you want covered. If yours already covers what matters to you, we'll say so.