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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 home
  • Age of your home
  • Amount of coverage you need
  • Location
  • Your credit score

It’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 Takeaways

  • Homeowners 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 month

Atlanta 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 house

In 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 Atlanta

According 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 company

Among 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$1,381
Auto-Owners$1,601
Farmers$2,300
Georgia Farm Bureau$2,417
Travelers$2,553
State Farm$2,575
Nationwide$2,665
USAA*$2,422
*USAA is only available to military community members and their families.
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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 insurance

Living 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 disasters

Home 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.

tip iconKeep in mind: Standard policies may not cover everything

While 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.

Methodology

Insure.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.

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Shivani Gite
Contributing Writer

 
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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.

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