Property Ownership

A Georgia homestead exemption provides:

AA. Full protection of the home from all creditors
BB. A reduction in assessed value for property tax purposes for owner-occupants✓ Correct
CC. Exemption from state income tax for homeowners
DD. Free title insurance for first-time buyers

Explanation

Georgia's homestead exemption reduces the assessed value of a primary residence for property tax purposes. For example, a $2,000 basic exemption reduces the taxable assessed value, lowering the annual property tax bill.

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