Atlanta Homeowners Insurance

The Zebra
Aug. 26, 2019

How to find cheap homeowners insurance in Atlanta


A critical consideration for every homeowner should be their home insurance coverage. Home insurance policies provide coverage against fire, wind damage, and theft for your home and the contents inside it. Incidents like this occur regularly. When paired with the high cost of repairing or rebuilding a home, purchasing homeowners coverage can seem like a great move.

The cost of home insurance coverage depends on many factors. This can include the overall value of your house, the value of your personal belongings, and the materials that were used when building 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 about what a home insurance policy covers.

If you want to find cheap homeowners insurance in Atlanta, start with looking around and comparing policies. Have a look at the summary below comparing average homeowners insurance rates in Atlanta to help you get as much information as possible when you start your search for homeowners insurance. Remember: your homeowners insurance rates may vary based on your coverage limits and other factors.


Atlanta, Georgia, homeowners insurance:
  1. Rates by company
  2. Rates by coverage level
  3. Rates by ZIP code
  4. Insurance bundle discounts

Homeowners insurance in Atlanta by insurance company

Atlanta homeowners insurance rates will vary depending on which insurance company you choose. 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 best homeowners policy for your needs.


AFFORDABLE HOME INSURANCE COMPANIES IN ATLANTA
CompanyAverage Annual Rate
Farmers$696
Georgia Farm Bureau$1,012
AAA$1,014
Allstate$1,548
Liberty$1,682

Average homeowners insurance costs in Atlanta by coverage level

Your chosen amount of homeowners coverage determines the insurance premiums you pay . In Atlanta, carrying $200K dwelling coverage costs an average of $1,267, while carrying additional coverage up to $400K costs $2,143 per year.


HOMEOWNERS INSURANCE RATES IN ATLANTA — POPULAR COVERAGE LIMITS
Coverage LevelAverage Annual Rate
$200K Dwelling$1,267
$400K Dwelling$2,143

Speak with a homeowners insurance expert

Atlanta home insurance rates by ZIP code

Not every area of Atlanta has equal home insurance costs. The amount of claims filed in your local area can be a factor in determining the price of your policy. Put simply, where you live could have a huge impact in what you pay for insurance.

The cheapest home insurance rates in Atlanta are available in 30360. In 30360, the typical home insurance policy costs $1,459 per year — $176 less than the citywide average in Atlanta. If you’re looking for the areas with the most affordable homeowners premiums in Atlanta, have a look at the table below.


AFFORDABLE AREAS FOR HOMEOWNERS INSURANCE IN ATLANTA
ZIP CodeAverage 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. Crime rates, fire risk, and even your proximity to emergency services could lead insurance companies to see certain neighborhoods as higher risk, which could drive up area rates. The most expensive ZIP code for homeowners insurance in Atlanta is 30311, where the average annual rate is $1,754.


EXPENSIVE AREAS FOR HOMEOWNERS INSURANCE IN ATLANTA
ZIP CodeAverage Annual Home Insurance Rate
30311$1,754
30304$1,752
30369$1,745

Looking for a money-saving tip for insurance in Atlanta? Try bundling

You might want to consider purchasing your auto and homeowners policies through the same company if you are looking to save on overall insurance costs . Bundling homeowners and auto insurance can save you a substantial sum each month on your auto insurance bill. By bundling your policies, Atlanta homeowners could see annual savings of 9% on average.


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

A great way to save on insurance is to bundle your home and auto policies with the same insurance company. Call 855-493-9728 to speak with an insurance professional today.


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