Atlanta ,GA Home Insurance - The cost of homeowners insurance is influenced by a range of factors, including the value of your coverage, deductible, and the construction materials used in your home.
VHome Insurance conducted a thorough analysis of the Atlanta, GA homeowners insurance market, taking into account factors like average costs, range of coverages, deductibles and customer satisfaction ratings to determine the best providers. The Average home insurance cost in Atlanta, GA is $1924. Enter your zipcode below and click “GO” to get multiple free quotes.
It is important to understand the different coverage options available in Atlanta, GA. VHome Insurance will help you navigate the world of homeowners insurance coverages in Atlanta, GA.
| Coverage Level | Average Annual Premium |
|---|---|
| $100,000 | $770 |
| $200,000 | $1,308 |
| $300,000 | $1,616 |
| $400,000 | $2,463 |
| $500,000 | $3,098 |
Home insurance costs in Atlanta can vary greatly based on location. The frequency of claims in your area can affect the cost of your policy. Simply put, the location of your home can significantly impact your homeowners insurance premium.
| Zipcode | Average Insurance Premium |
|---|---|
| 030310 | $1,741 |
| 30314 | $1,678 |
| 30327 | $2,269 |
| 30342 | $2,100 |
| 30306 | $2,111 |
| 30305 | $2,084 |
| 30350 | $1,942 |
| 30307 | $2,051 |
| 30319 | $2,040 |
| 30345 | $1,910 |
| 30339 | $1,862 |
| 30324 | $1,907 |
| 30326 | $1,927 |
| 30309 | $1,859 |
| 30329 | $1,868 |
| 30308 | $1,848 |
| 30360 | $1,827 |
| 30346 | $1,909 |
| 30317 | $1,914 |
| 30303 | $1,712 |
| 30313 | $1,764 |
| 30312 | $1,881 |
| 30318 | $1,803 |
| 30316 | $1,816 |
| 30331 | $1,722 |
| 30311 | $1,701 |
| 30349 | $1,693 |
| 30315 | $1,721 |
One key aspect of your policy is the deductible, which is the amount you pay out of pocket before your insurance kicks in. Choosing the right deductible can have a major impact on your insurance premiums and overall savings. In this guide, we'll help you understand the options available for homeowners insurance deductibles in Atlanta, GA, and how to choose the right one for your needs.
| Deductible Level | Average Annual Premium |
|---|---|
| $500 Deductible | $1,973 |
| $1000 Deductible | $1,764 |
| $1500 Deductible | $1,664 |
| $2500 Deductible | $1,501 |
| $5000 Deductible | $1,270 |
| Home Insurance Company Near Atlanta, GA | Homeowners Insurance Agency Near Atlanta, GA | Address |
|---|---|---|
| Liberty Mutual | Alex Lynch | 1401 Johnson Ferry Rd Suite 340, Marietta, GA, 30062 |
| Farmers | Alfred Snell | 13010 Morris Rd Bldg 1, Alpharetta, GA, 30004 |
| Farmers | Peter Moseley | 13010 Morris Rd Bldg 1, Alpharetta, GA, 30004 |
| State Farm | Phil Aaron | 3100 Highway 16 E Ste F, Sharpsburg, GA, 30277-3719 |
| Nationwide | Ric Frost | 133 Johnson Ferry Rd Ste 110, Marietta, GA, 30068-4923 |
| Place | 1 Car Bundle Savings On Insurance | 2 Car Bundle Savings On Insurance | 3 Car Bundle Savings On Insurance |
|---|---|---|---|
| Fulton County, Georgia | $142 | $189 | $284 |
| Mableton CCD, Cobb County, Georgia | $134 | $179 | $269 |
| Vinings CCD, Cobb County, Georgia | $146 | $195 | $293 |
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| Atlanta, GA | 4.0% | 13.2% |
| Fulton County | 4.07% | 13.58% |
| Mableton | 5.01% | 21.0% |
| Vinings | 3.86% | 13.06% |
| Atlanta Home By Monthly Rent | Total Homes | % of Total | Estimated Monthly Income To Afford Rented House Including Renters Insurance |
|---|---|---|---|
| Less than $200 | 3,319 | 2.0% | $332 |
| $200 to $299 | 4,568 | 3.0% | $782 |
| $300 to $499 | 5,676 | 4.0% | $1232 |
| $500 to $749 | 17,375 | 15.0% | $1907 |
| $750 to $999 | 34,926 | 30.0% | $2657 |
| $1,000 to $1,499 | 37,003 | 32.0% | $3782 |
| $1,500 or more | 12,473 | 10.0% | $5432 |
| Streets in Atlanta Area | Homeowners Insurance Cost |
|---|---|
| Melbenan Dr SW, Maynard Ct NW, Hayden Ln, Grant St SW, Swmartin Luther King Jr Dr, Haven Ridge Dr NW, Wells St SW, Carter St NW, 4th St NW, Westphalia Ct | $845 |
| Hampshire Park Way, Fulton Industrial Blvd SW, Elliott St SW, John Wesley Dobbs Ave NE, Richardson St SE, Cascade Palmetto Hwy, Haldane Dr SW, Iswald St SE, Hazelwood Dr SW, Santa Barbara Dr NW | $858 |
| Kings Tavern Pl NW, Spalding Cir NE, Chateau Dr NW, Tuckawanna Dr SW, Cutbank Ct SW, Stone Rd SW, Breakwater Cir NE, Weyman Ct NW, Monet Ct NW, Florida Ave SE | $924 |
| S Evelyn Pl NW, Mark Pl NW, Landowne Dr, St James Pl NW, Sampson St NE, Cologne Dr SE, Tribble Dr NW, Rhinehill Rd SE, Graham St SW, Summit Pkwy | $856 |
| Zone Ave SW, River Overlook Dr NW, Welch St SW, E Chambord Dr NW, Diann Dr SW, Alyson Ct SE, Treelodge Pkwy, Austin Ave NE, E Belle Isle Rd NE, W Fair St SW | $925 |
| Ridgewood Ter NW, Lorenzo Dr SW, Strauss Ln, Gordon Cir, Chicago Ave NW, Rose Gate Dr NE, Bethany Forest Dr SW, Miami Cir NE, Mango Cir NW, Edwards St NW | $918 |
| E Idlewood Ln, Redwood Run, Ollie St NW, Benjamin Weldon Bickers Jr Dr SE, West Ave SW, Forrest Hills Dr, Fitzgerald Pl, Eastbrook Ter, Stamford Rd SW, Chastain Cove NE | $903 |
| Sugar Mill Rd, Alta Ave NE, Pylant St NE, Mills St NW, Wedgewood Dr NW, The North Chace NE, Mills Pl SW, Vallo Vista Ct NE, la Salle Way SW, Polar Rock Ave SW | $875 |
| Fraser St SE, 8th St SW, Boulevard NE, Forest Valley Rd NE, Abington Dr NE, Fordham Ct NE, Second St NW, Bluefield Dr SW, Scott St SW, Lynn Valley Rd SW | $1,020 |
| Long Island Way NW, Sardis Way NE, Bonnybrook Dr, E Handy Dr NW, Farley Ave, Essie Ave SE, Hood Dr SW, Madeline Ln, Santa Rosa Dr SW, Paines Ave NW | $860 |
| Place | Savings For Senior Occupied Homes |
|---|---|
| Atlanta | $140 to $143 |
| Fulton County | $141 |
| Mableton | $134 |
| Vinings | $146 |
| Coverage | Construction type | Company | Premium | ||
|---|---|---|---|---|---|
| $250 Deductible | $500 Deductible | $1000 Deductible | |||
| $100,000 | frame | Buckeye State Mutual Insurance Company | N/A | $668.00 | $504.00 |
| $75,000 | frame | Esurance Insurance Company | N/A | N/A | N/A |
| $100,000 | frame | Hanover Insurance Company | $805 | $634 | $549 |
| $350,000 | veneer | Hartford Casualty Insurance Company | $3143 | $3046 | $2876 |
| $150,000 | frame | Hartford Insurance Company Of The Midwest | $1694 | $1625 | $1500 |
| $200,000 | veneer | Hartford Insurance Company Of The Midwest | $2080 | $2012 | $1890 |
| $300,000 | frame | Homesite Insurance Company Of Georgia | N/A | N/A | $983.00 |
| $100,000 | frame | Praetorian Insurance Company | N/A | $358 | $302 |
| $250,000 | frame | Safeco Insurance Company Of Indiana | $1413.55 | $1321.11 | $1215.22 |
| $250,000 | veneer | Universal Property & Casualty Insurance Company | N/A | $1159.81 | $999.97 |
| Low Deductible | High Deductible | |
|---|---|---|
| Deductible | $800 | $3,800 |
| Yearly Atlanta Homeowner Insurance Premium Example | $1,600 | $1,100 |
| Out of Pocket Expense During Claim | $800 | $3,800 |
| Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim | $13,600 | $12,600 |
| Net Savings to Atlanta Home Owner from High Deductible Plan | $1,000 | |
| Scenario | Atlanta, GA Home Replacement Value MORE than Home Value | Atlanta, GA Home Replacement Value LESS than Home Value |
|---|---|---|
| Replacement Value | $1,137,000 | $713,000 |
| Insurance Premium based on Replacement Value | $4,650 | $2,925 |
| Risk Exposure from Under Insuring Coverage | Unnecessary Home Insurance Coverage of $250,500 | Risk Exposure from Under Insuring Coverage is $173,500 |
| Premium Impact | Insurance cheaper by $700/year | Insurance costlier by $1,025/year |
| Insurance Company | Travelers | American Family Insurance | GEICO Insurance |
| Monthly Premium | 170 | 68 | 157 |
| Year Built | 2005 | 1966 | 1982 |
| Home Details | 5 Beds, 3 Baths | 2 Beds, 1 Baths | 4 Beds, 1 Baths |
| Coverage Amount | $600000-$700000 | $175000-$200000 | $400000-$500000 |
| Deductible | $2500-$5000 Deductible | $2500-$5000 Deductible | $500 Deductible |