Our editorial team analyzed regional and national home insurance companies that sell policies in Atlanta to assess which offer the best rates, coverage options, customer service, and savings to homeowners. We prioritized competitive rates, 24/7 customer service, homeownership discounts or bundling options, and specialty or supplemental coverages.
In Atlanta, a $300,000 home insurance policy with a $1,000 deductible costs $3,196 annually.
Since Georgia is a coastal state, Atlanta residents are at increased risk of natural disasters like hurricanes. Tropical storms come with various threats for homeowners, including heavy rain, strong winds, flooding, and power outages. Home insurance will cover damages from winds and rain, but you may want to purchase a separate flood insurance policy.1
Here’s what you need to know about finding affordable homeowners insurance in Atlanta.
Best home insurance companies in Atlanta
Atlanta homeowners have many coverage options to choose from when it comes to home insurance. The best home insurance will be unique for every homeowner, but it’s important to compare coverage options, customer satisfaction, and insurance rates.
Here are three of the top home insurance companies in Atlanta to help start your search.
Best company for customizable coverage: Allstate
Best company for discounts: Auto-Owners
Best company for high-value homes: Chubb
Cheapest home insurance companies in Atlanta
Auto-Owners is the cheapest home insurance company for Atlanta homeowners, with an average annual insurance rate of $1,679, or $140 per month. But your exact costs will vary depending on your coverage needs, so it’s important to receive quotes from several insurers.
The table below shows the average annual premiums for the cheapest companies in Atlanta.
How much is home insurance in Atlanta?
The average annual cost of home insurance in Atlanta is $3,196, which is higher than any other city in Georgia. Various factors affect the cost of home insurance, including your insurance company and your coverage amount.
The age and condition of your home also affect your insurance costs. For example, your home’s materials, how much it costs to rebuild, and its proximity to a fire station can also affect your insurance premiums.2 Your ZIP code and credit history also affect how much you pay for homeowner coverage.
Cost of home insurance by dwelling coverage in Georgia
Dwelling coverage protects the structure of your home, as well as detached structures like a garage. Higher dwelling coverage amounts will result in higher premiums since your insurance company will have to pay more if you file a claim.
The table below shows how the average annual homeowners premium in Georgia fluctuates depending on your dwelling coverage limit.
Cost of homeowners insurance by deductible amount
Anytime you file a home insurance claim, you’ll pay a deductible, and your insurance company will cover the rest. For example, if you have a $1,000 deductible and file a $5,000 claim, you’ll be responsible for paying $1,000, and your insurance company will cover the remaining $4,000.
The lower your deductible, the more you’ll pay for insurance, and vice versa. If you lower your $1,000 deductible to $500, that’s less money you’ll have to pay out of pocket, but your monthly premiums will increase.3
The table below shows the average annual premiums in Atlanta for different deductible amounts.
Average cost of home insurance in other cities in Georgia
Different cities, as well as different ZIP codes within a city, can have different insurance premiums. For instance, if your home is in a flood zone, you might pay more for home insurance than someone living in an area with a low risk of flooding.
The table below outlines the average annual premiums on a $300,000 policy with a $1,000 deductible for different Georgia cities.
What to know about owning a home in Atlanta
Many unique benefits and risks come with owning a home in Atlanta. Here are the biggest considerations homeowners should be aware of:
Atlanta home insurance FAQs
Your home is likely your most important asset, and home insurance is the best way to protect it. Here’s some additional information about buying home insurance in Atlanta.
The monthly cost of home insurance in Atlanta is $266, or $3,196 annually. Homes in Atlanta are also at increased risk of flooding, so you may want to purchase flood insurance through the National Flood Insurance Program.
Auto-Owners is the cheapest option for home insurance in Atlanta, with an average annual premium of $1,679. But that doesn’t mean Auto-Owners will be the cheapest option for you, so it’s still important to compare quotes from several insurers.
Most insurance companies require your home insurance to cover at least 80% of the full replacement costs for you to receive full coverage. This rule aims to keep homeowners from underinsuring their properties.
In Georgia, you’ll pay an average annual premium of $3,528 for $400,000 in dwelling coverage, which is slightly higher than the national average of $3,280. But the exact cost of home insurance will vary depending on your coverage level, deductible, home type, location, and more.
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