Best Atlanta Homeowners Insurance Quotes (2025)
Allstate, Auto-Owners, and Chubb offer the best homeowners insurance policies in Atlanta.
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Written byJamie Johnson
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6 years experience in personal finance writing
Featured on Credit Karma and Insider
Jamie is a meticulous researcher who has published 2,000+ personal finance articles. Her expertise is trusted by major brands like Bankrate and Rocket Mortgage.
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Edited bySara Getman
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Sara Getman is an Associate Editor at Insurify and has been with the company since 2022. Prior to joining Insurify, Sara completed her undergraduate degree in English Literature at Simmons University in Boston. At Simmons, she was the Editor-in-Chief for Sidelines Magazine (a literary and art publication), and wrote creative non-fiction.
Outside of work, Sara is an avid reader, and loves rock climbing, yoga, and crocheting.
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Table of contents
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.
Quick Facts
A $300,000 policy with a $500 deductible costs an average of $3,280 per year in Atlanta.
Auto-Owners offers the cheapest coverage options for Atlanta homeowners.
Atlanta has the most expensive home insurance rates in Georgia.
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
AllstateCompare personalized, real-time quotes
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.2/10 |
|---|---|
| JD Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale. | 631 |
| $300,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $188/mo |
| $500,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $282/mo |
Allstate is the best choice for homeowners looking for customizable coverage options, thanks to the many endorsements the company offers. In addition to standard coverage options like dwelling and personal liability coverage, you can add on flood insurance or a personal umbrella insurance policy. Allstate also offers increased coverage for musical instruments, like guitars and violins, as well as water backup to cover water damage caused by a broken sump pump.
Pros
Low average annual premiums
Offers many different discounts
Cons
Below-average J.D. Power customer satisfaction score
Negative reviews on Trustpilot
Best company for discounts: Auto-Owners
Auto-OwnersCompare personalized, real-time quotes
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 7.4/10 |
|---|---|
| JD Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale. | 634 |
| $300,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $199/mo |
| $500,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $298/mo |
Auto-Owners offers the cheapest average insurance rates in Atlanta, which may be partly due to the company offering so many discounts. A discount may be available if you have a backup generator, are mortgage-free, or pay your premiums on time for 36 months straight. You can reach out to a local Auto-Owners agent to see what discounts you qualify for.
Pros
Offers many discount options
Cheap average insurance rates
Cons
Below-average J.D. Power customer satisfaction score
Online quoting not available
Best company for high-value homes: Chubb
ChubbCompare personalized, real-time quotes
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 7.8/10 |
|---|---|
| JD Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale. | 688 |
| $300,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $303/mo |
| $500,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $457/mo |
Chubb is the best option for homeowners looking to insure luxury and high-value Atlanta homes. The company employs trained risk consultants who visit your home and evaluate your belongings to ensure you’re fully protected. Chubb customers can also take advantage of extended replacement costs and the option to choose a cash settlement instead of rebuilding after a covered loss.
Pros
Top J.D. Power customer satisfaction score
HomeScan service can detect leaks or electrical problems
Cons
You’ll have to work with an online agent
Doesn’t offer the cheapest insurance rates
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.
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.
Insurance Company  | Average Annual Premium |
|---|---|
| Auto-Owners | $1,679 |
| Allstate | $1,715 |
| Armed Forces Insurance Exchange | $1,745 |
| PURE Insurance Group | $2,000 |
| USAA | $2,084 |
| Chubb | $2,629 |
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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.
Coverage Limit | Average Annual Premium |
|---|---|
| $100,000 | $1,299 |
| $200,000 | $2,031 |
| $300,000 | $2,755 |
| $400,000 | $3,528 |
| $500,000 | $4,293 |
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.
Deductible Amount | Average Annual Premium |
|---|---|
| $500 | $3,280 |
| $1,000 | $3,196 |
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.
City | Average Annual Premium |
|---|---|
| Alpharetta | $2,529 |
| Atlanta | $3,196 |
| Augusta | $3,007 |
| Cumming | $2,628 |
| Duluth | $2,656 |
| Lawrenceville | $2,611 |
| Marietta | $2,715 |
| Powder Springs | $2,660 |
| Stockbridge | $2,822 |
| Suwanee | $2,731 |
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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:
High property values
Atlanta has relatively high property values compared to other cities, with a median home price of $423,362. High property values mean you’ll also pay more in personal property taxes and home insurance.
Weather-related risks
Flooding is a serious concern in Atlanta, with more than 17,000 properties at risk for flooding over the next 30 years. A standard homeowner policy doesn’t cover flooding, so you’ll need to purchase flood insurance separately.
Possible foundation problems
Georgia’s red clay soil can lead to foundation problems in Atlanta and other cities across the state. The soil expands and contracts with moisture changes, which can lead to an uneven foundation. Atlanta’s frequent heavy rainfall often exacerbates this problem.
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.
Methodology
Insurify data scientists analyzed rates from more than 180 home insurance companies sourced directly from Insurify’s partner companies and Quadrant Information Services. Rates span all 50 states and Washington, D.C., and quote averages represent the mean price for a given coverage level and geographic area. To ensure data reliability, only insurers meeting minimum quote thresholds were included in the analysis.
Unless otherwise specified, quoted rates reflect the average cost for homeowners with no prior claims and good credit with a home construction year of 1980. The default coverage assumptions include:
Default Coverage Assumptions
- Dwelling coverage: $300,000
- Deductible: $1,000
- Personal property limit: $25,000
- Liability limit: $300,000
Additional data points beyond these default values are sourced from Insurify’s proprietary database. Rates are updated monthly.
Sources
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Jamie Johnson
Jamie Johnson is a Kansas City-based personal finance writer whose work has been featured on several of the top finance and business sites in the country, including Insider, Credit Karma, Bankrate, Rocket Mortgage, Fox Business, Quicken Loans, and The Balance. For the past six years, she's dedicated more than 10,000 hours of research and writing to more than 2,000 articles about personal finance topics.
Jamie has been a contributor at Insurify since October 2022.
Sara Getman is an Associate Editor at Insurify and has been with the company since 2022. Prior to joining Insurify, Sara completed her undergraduate degree in English Literature at Simmons University in Boston. At Simmons, she was the Editor-in-Chief for Sidelines Magazine (a literary and art publication), and wrote creative non-fiction.
Outside of work, Sara is an avid reader, and loves rock climbing, yoga, and crocheting.