How much is homeowners insurance in Atlanta,NY

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The average cost of homeowners insurance in Atlanta is $1,471 per year (for the coverage level of $300,000 for dwelling, $100,000 for liability protection and $1000 deductible), based on Insure.com’s rate data analysis. It’s $1,033 less than the national average of $2,504.

However, homeowners insurance rates can vary drastically from one home to another. Home insurance rates in Atlanta depend on a number of factors, including:

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

To make sure you are getting the best deal on home insurance, it is important to get quotes from multiple insurers to find the right coverage for your needs. Read this guide to know how much homeowners insurance cost per month in Atlanta, home insurance cost for different dwelling coverage, also know which companies offer cheap home insurance in Atlanta.

In this guide, we will explain everything from what coverage options are available to which companies have the cheapest rates for homeowners insurance in Atlanta.

Key takeaways

The average cost of homeowners insurance in Atlanta is $1,471 per year.
American Family is the cheapest homeowners insurance company in Atlanta with an average annual premium of $728.
If you increase your dwelling coverage from $200,000 to $300,000, you will just have to pay $378 more a year for home insurance.

How much is homeowners insurance in Atlanta per month

Atlanta homeowners pay an average of $123 a month, based on our rate analysis. It’s $25 less than the state average of $148 and $86 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.

How much is homeowners insurance for a $200,000 house in Atlanta

In Atlanta, NY, homeowners pay an average of $1,093 annually for a $200,000 home. The annual cost of home insurance is influenced by factors such as the risk of natural disasters in your area.

Regions more susceptible to natural disasters, such as floods, hurricanes, or tornadoes, typically face higher rebuilding costs, leading to increased insurance premiums. It is important to understand that standard insurance policies might not cover damages caused by floods or hurricanes. If you live in a flood-prone area, it is advisable to purchase flood insurance.

How much is homeowners insurance for a $300,000 house in Atlanta

According to a rate analysis by Insure.com, homeowners in Atlanta pay an average of $1,471 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 will just have to pay $378 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, the features in your home, and the cost of living in your area.

How much is homeowners insurance in Atlanta by company

After evaluating several carriers, American Family is the least expensive homeowners insurance provider in Atlanta. It’s average annual rate for homeowners in Atlanta is $728.

NYCM Insurance holds the second position, while Nationwide secures the third spot with an average annual home insurance rate of $1,013.

Researching the insurance company is crucial before selecting a homeowners insurance policy. Our experts have analyzed all insurance providers in Atlanta and compiled a list of the cheapest home insurance providers. Below, you’ll find the home insurance companies in Atlanta and their average annual premiums.

Home insurance company	Annual rate
American Family	$728
NYCM Insurance	$888
Nationwide	$1,013
Travelers	$1,234
State Farm	$1,241
AIG	$1,364
Heritage Insurance Holdings	$1,520
Chubb Ltd	$1,626
Allstate	$1,814
Farmers	$2,495

Methodology

Insure.com, with the help of Quadrant Information Services, gathered data for homeowners insurance rates in Atlanta for $300,000 dwelling coverage and $100,000 liability coverage with a $1,000 deductible. The data presented are those with a good credit tier alignment.