Home Home insurance Average home insurance cost Georgia Atlanta, GA Average homeowners insurance cost in Atlanta, Georgia The average annual cost for homeowners insurance in Atlanta is $2,320 for $300,000 in dwelling coverage, $100,000 in liability protection and a $1,000 deductible. View Carriers Please enter valid zip Compare top carriers in your area Written by Shivani Gite Shivani Gite Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions. | Reviewed by Nupur Gambhir Nupur Gambhir Nupur Gambhir is an insurance expert and managing editor of Insure.com. She specializes in life and health insurance content, and has experience as a marketing consultant. | Updated on: September 3, 2025 Why you can trust Insure.com Quality Verified At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. In Atlanta, homeowners pay an average annual rate of $2,320 for a coverage level that includes $300,000 for dwelling, $100,000 for liability protection, and a $1,000 deductible, according to our data. This is $184 less than the national average of $2,504 .Homeowners insurance premiums can vary significantly from one property to another. In Atlanta, the cost of home insurance is influenced by several factors, including:Size of your homeAge of your homeAmount of coverage you needLocationYour credit scoreIt’s crucial to compare quotes from multiple insurers to ensure you get the best homeowners insurance policy. This allows you to find the coverage that meets your specific needs.Read our guide to discover the monthly homeowners insurance cost in Atlanta, explore the insurance costs for different dwelling coverage, and find out which companies offer affordable home insurance in Atlanta. Key TakeawaysHomeowners insurance costs $2,320 per year in Atlanta.At $1,381 per year, Allstate offers the cheapest homeowners insurance in Atlanta.Your home insurance rates increase by $543 more annually if you increase your dwelling coverage from $200,000 to $300,000.Average homeowners insurance cost in Atlanta per monthAtlanta homeowners pay an average of $193 a month. It’s $3 more than the state average of $190 and $16 less than the national average for home insurance across the nation. The price of your homeowners insurance policy in Atlanta may vary depending on where you live, the value of your home, and the coverage you choose.Average homeowners insurance cost for a $200,000 houseIn Atlanta, GA, homeowners pay an average of $1,777 annually for a $200,000 house. The amount you pay for home insurance each year depends on factors such as natural disasters or events within your locality.Some regions are more at risk for natural disasters, like floods, hurricanes, or tornadoes, implying higher rebuilding rates in these areas, resulting in costlier insurance premiums. It’s essential to note that your insurance policy might not cover damages caused by floods or hurricanes. If you reside in an area prone to flooding, consider buying flood insurance.Average homeowners insurance cost for a $300,000 house in AtlantaAccording to a rate analysis by Insure.com, homeowners in Atlanta pay an average of $2,320 per year for a $300,000 house. These rates are for the coverage limits of $100,000 for liability protection and $1000 deductible.If you increase your dwelling coverage from $200,000 to $300,000, you’ll have to pay $543 more a year for home insurance. It would be best to buy enough insurance to cover the full cost of rebuilding your home.However, the amount of dwelling coverage you need may vary depending on the size of your home, its features, and the cost of living in your area.Average homeowners insurance cost in Atlanta by companyAmong the carriers we analyzed, Allstate is the most affordable homeowners insurance company in Atlanta, offering an average annual rate of $1,381 , while Auto-Owners ranks second.Researching a company thoroughly before selecting a homeowners insurance policy is essential – and we can help with that. We took a close look at all the insurance companies serving Atlanta and put together a list of the most affordable ones.Here’s a look at the top home insurance companies in Atlanta and what you can expect to pay with each one on average.Home Insurance Company Annual rate Allstate$1,381Auto-Owners$1,601Farmers$2,300Georgia Farm Bureau$2,417Travelers$2,553State Farm$2,575Nationwide$2,665USAA*$2,422*USAA is only available to military community members and their families.Powered by:Many insurance companies offer discounts to customers who bundle their policies. By combining your home insurance policy with other policies, such as auto insurance, you can lower your premiums and simplify your insurance management with one provider.Natural disasters in Georgia that can impact your home insuranceLiving in Georgia comes with the threat of natural disasters, which can cause significant damage to homes and property, often resulting in costly insurance claims. Understanding which natural disasters are most common in your area is essential when selecting a home insurance policy.By knowing the specific risks in your region, you can make informed decisions about coverage limits, deductibles, and whether you need additional protection. That knowledge ensures you’re not left underinsured when disaster strikes and protects your financial well-being in the long run.Georgia is commonly affected by Hail, Ice storm, Landslide, Lightning, Tornado and Winter weather.How home insurance protects you against natural disastersHome insurance can provide valuable protection against the financial impact of natural disasters. Standard home insurance policies typically cover damages from fire, windstorms, hail and lightning. However, events such as floods, earthquakes or landslides are excluded and require purchasing additional policies or endorsements. For example, flood insurance must be purchased separately, as it is not typically covered by a standard home insurance policy.Home insurance pays for home repairs, replacement belongings and temporary living expenses if your dwelling becomes uninhabitable due to damage. The protection offered by home insurance can significantly reduce the financial impact of natural disasters.Keep in mind: Standard policies may not cover everythingWhile homeowners insurance typically protects against common hazards, some natural disasters – like floods and earthquakes – require separate policies. Don’t assume you’re fully covered. Check your policy details and consider endorsements or supplemental coverage if you live in a high-risk area.MethodologyInsure.com, with the help of Quadrant Information Services, gathered data for homeowners insurance rates in Atlanta for $300,000 dwelling coverage, $100,000 liability coverage with a $1,000 deductible. The data presented are those with a good credit tier alignment. How much is home insurance in other cities?ColumbusSavannahShivani GiteContributing Writer | . .Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions. In case you missed it What is HO-6 condo insurance and how much does it cost? Average homeowners insurance cost by ZIP code in 2025 What is dwelling coverage and how much do you need? Personal liability insurance: What it is and why you need it Hurricanes and home insurance: How hurricane insurance works How replacement cost coverage works when you file a claim How much do claims increase home insurance rates? Mobile home insurance cost and coverage in 2025 Homeowners insurance basics Home Insurance Advisor Cheapest homeowners insurance in 2025 How much flood insurance do I need? 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By Les Masterson Mobile home insurance cost and coverage in 2025 By Chris Kissell On this page Average homeowners insurance cost in Atlanta per monthAverage homeowners insurance cost for a $200,000 houseAverage homeowners insurance cost for a $300,000 house in AtlantaAverage homeowners insurance cost in Atlanta by companyNatural disasters in Georgia that can impact your home insuranceHow home insurance protects you against natural disastersMethodology ZIP Code Please enter valid ZIP See rates (844) 761-9316