Average homeowners insurance cost in Atlanta, GA

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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 Insure.com’s rate analysis. 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 required
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 this 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

The average cost of homeowners insurance in Atlanta is $2,320 per year.
Allstate is the cheapest homeowners insurance company in Atlanta with an average annual premium of $1,381.
If you increase your dwelling coverage from $200,000 to $300,000, you will just have to pay $543 more a year for home insurance.

Average homeowners insurance cost in Atlanta per month

Atlanta homeowners pay an average of $193 a month, based on our rate analysis. It’s $3 more than the state average of $190 and $16 less than the national average for home insurance across the United States. 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

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 are higher, resulting in higher 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

As per rate analysis by Insure.com, homeowners residing in Atlanta typically pay an average of $2,320 annually to insure a home for coverage limits of $300,000 dwelling, $100,000 liability protection with a $1,000 deductible.

Your home insurance rates will be increased by $543 if you increase your dwelling coverage from $200,000 to $300,000. It is advisable to buy enough insurance sufficient insurance to cover the entire cost of rebuilding your home. However, the amount of dwelling coverage you need may vary depending on the size of your home, the features in your home, and the cost of living in your area.

Average homeowners insurance cost in Atlanta by company

Among the carriers analyzed, Allstate is the cheapest homeowners insurance company in Atlanta. It’s average annual rate for Atlanta homeowners is $1,381, while Auto-Owners ranks second.

Before choosing a homeowners insurance policy, it is important to do some research on the company. Our experts have analyzed all the insurance companies across Atlanta and prepared a list of the cheapest home insurance providers. You can find below the Atlanta home insurance companies and their average annual premium.

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

How home insurance protects you against natural disasters

Home insurance plays a crucial role in protecting your home and belongings in case of natural disasters. Events such as hurricanes, floods, earthquakes and wildfires can cause significant damage, and home insurance helps by covering the costs of repairs or replacement of your property. Depending on your policy, it may also provide coverage for temporary living expenses if your home becomes uninhabitable.

In addition to physical damage, home insurance typically covers liability costs if someone is injured on your property. This added protection gives homeowners peace of mind, knowing they have financial support during difficult times.

A standard home insurance policy may not cover all-natural disasters. Review your policy carefully to ensure you’re covered for the specific risks.

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

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.