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How to find affordable homeowners insurance in Atlanta

Home insurance is an important part of owning a home. Homeowners insurance provides coverage against fire, wind damage, and theft for your home and the contents inside it. With the relative frequency of such events -- and the high cost of rebuilding or repairing damages to a home -- getting homeowners coverage is a smart investment. The average homeowners policy costs $136 per month in Atlanta, Georgia. This is above the national average monthly cost of home insurance.

The cost of home insurance is dependent on a number of factors. These include your dwelling's value, the value of your personal belongings, and the cost of the materials used to build your home. Your home's location can also impact how much you pay, as some locations are more prone to destructive hazards. If your area is at risk of being affected by hail, strong winds, fire, frozen pipes, or volcanic activity, then your premiums could be substantially higher than average. Discover more info about what a home insurance policy covers.

If you want to find cheap home insurance in Atlanta, start with looking around and comparing policies. Check out the below summary of average homeowners insurance premiums in Atlanta to help you get as much information as possible when you start your search for homeowners insurance. One thing to note is that the yearly cost of coverage is determined based on your chosen coverage limits as well as a number of other rating factors.

 
Table of contents:
  1. Rates by insurer
  2. Rates by coverage amount
  3. Rates by ZIP code
  4. Rates by deductible amount
  5. Policy bundling savings

 

Atlanta home insurance by company

Homeowners insurance rates in Atlanta vary from one insurance company to another. The most affordable home insurance in Atlanta is Farmers, offering average annual rates at just $696 per year. This is considerably cheaper than the city’s average homeowners premium of $1,635.

Have a look at the cheapest insurance companies in Atlanta, Georgia, to find the right policy for your needs. Then, see our guide ranking the best home insurance carriers by customer satisfaction and other factors.

 
AFFORDABLE HOME INSURERS IN ATLANTA
Company Average Annual Rate
Farmers $696
Georgia Farm Bureau $1,012
AAA $1,014
Allstate $1,548
Liberty Mutual $1,682

 

Atlanta homeowners insurance prices by coverage level

Your chosen amount of homeowners coverage has an impact on the insurance premiums you pay. In Atlanta, carrying $200K dwelling coverage costs an average of $1,267 per year, while carrying additional coverage up to $400K costs $2,169 per year.

 
POPULAR COVERAGE LIMITS IN ATLANTA
Coverage Level Average Annual Rate
$100,000 Dwelling $788
$200,000 Dwelling $1,267
$250,000 Dwelling $1,477
$400,000 Dwelling $2,169

 

Atlanta home insurance rates by ZIP code

Depending on the part of Atlanta you live in, you may see a dramatic difference in your home insurance costs. Policies are often priced on local variables such as the number of claims filed in the immediate area, meaning the neighborhood in which you live could have a major impact on how much you pay to insure your home.

If you're looking for the cheapest homeowners insurance premiums in Atlanta, take a look at the 30360 ZIP code. In the 30360 area, homeowners coverage usually costs just $1,459 a year, $176 less than the Atlanta average. Find the best places to live in Atlanta for cheap home insurance by looking at the following table.

 
AFFORDABLE HOME INSURANCE AREAS IN ATLANTA
ZIP Code Average Annual Home Insurance Rate
30360 $1,459
30339 $1,517
30327 $1,547

On the other hand, some areas of Atlanta face higher homeowners insurance costs, on average. Fire risks, crime rates, and even your proximity to emergency services such as fire and police stations could impact rates the risk level of certain parts of the city, which has the potential to drive up the area's insurance costs. The most expensive ZIP code for homeowners insurance in Atlanta is 30311, where the average annual rate is $1,754.

 
EXPENSIVE HOME INSURANCE AREAS IN ATLANTA
ZIP Code Average Annual Home Insurance Rate
30311 $1,754
30304 $1,752
30369 $1,745

 

Atlanta homeowners insurance deductibles

One of the multiple decisions to be made when buying a homeowners insurance policy is the amount of your deductible. A deductible is the amount for which a homeowner is responsible before the insurer will cover a claim. Choosing where to set your deductible plays a significant role in how much you pay for homeowners insurance.

On the whole, choosing a low deductible means that your insurance rates will be higher. As such, if you want your insurance rates to remain low, aim for a higher deductible. Bear in mind that your homeowners deductible should not be set at an amount that you would have difficulty paying in the event of a loss.

Below are some typical deductibles offered by most home insurance companies alongside with corresponding average insurance costs.

 
HOME INSURANCE PREMIUMS BY DEDUCTIBLE LEVEL IN ATLANTA
Deductible Level Average Annual Homeowners Insurance Rate
$500 $1,637
$1,000 $1,477
$1,500 $1,394
$2,000 $1,315
$5,000 $1,103

 

Home and auto insurance bundling in Atlanta

If saving money is your main concern, it might be worth insuring your home and auto through the same insurance company. Bundling home and auto insurance can save you a substantial sum each month on your auto insurance bill. Bundling policies in Atlanta could lead to average annual savings of 9%.

 
CHEAPEST CAR INSURANCE RATES WITH HOME BUNDLE IN ATLANTA
Company Avg. Annual Auto Insurance Rate (With Bundle)
USAA $1,127
Georgia Farm Bureau $1,233
State Farm $1,736
Progressive $1,812
Allstate $1,837
 

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About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.