Best homeowners insurance in Atlanta, GA for 2022

Laura Gunn

By 

Laura Gunn

Laura Gunn

Freelance contributor

Laura Gunn is an insurance expert and writer. As a former English teacher, she made the transition to full-time writing and editing in 2016. Since that time she has written extensively about insurance topics, as well as topics pertaining to education and marketing.

Her work has been published in The Millennial Source, News Hunt 360, Realty Today, HNGN, and other publications.

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Atlanta is a traditional southern state with a rich and varied history, and it pairs that with the progress of the future. But local residents also have to be ready for a variety of weather conditions that can cause significant loss or damage, like severe storms and flooding. Fortunately for Atlanta property owners, its homeowners insurance rates are right around the national average. 

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The average cost of homeowners insurance in Atlanta is $2,051 per year, slightly higher than the Georgia state average of $1,988. 

However, cost isn’t the only factor to consider when choosing a home insurance company. Not sure what to look for? Policygenius can help you figure out your coverage needs and compare quotes from multiple top companies in Atlanta.  

Best homeowners insurance companies in Atlanta

Of the companies we evaluated, Auto-Owners Insurance has the lowest rate in Atlanta — its $1,419 average annual rate is over 30% lower than the city average. But Atlanta residents will want to consider more than just price when deciding on homeowners insurance. 

The best homeowners insurance companies  also provide excellent coverage options and have a high J.D. Power rating. This rating is based on customer satisfaction from actual policyholders, and is just one of the many factors you should consider when choosing a home insurance provider. 

Policygenius analyzed thousands of quotes from the 5 largest Atlanta insurers to find the average cost of homeowners insurance with each company in 2022. We then looked at 2021 J.D. Power customer satisfaction scores and compared that with the coverage needs of Atlanta residents to find the best homeowners insurance in Atlanta.

Company

Average yearly cost

J.D. Power Rating

State Farm

$2,260

835

Allstate

$1,466

829

USAA

$1,693

882

Travelers

$2,575

800

Auto-Owners Insurance

$1,419

831

State Farm

State Farm logo

There's a reason State Farm is one of the top-rated insurance companies in the U.S. — its customer satisfaction ratings are through the roof, it offers a slew of coverage add-ons for full protection, and makes filing claims through its mobile app a breeze.

Pros

  • Top-tier coverage add-ons, including equipment breakdown, water backup, and service line coverage

  • Get up to $1 million in personal liability coverage

  • Score discounts for bundling, installing security devices, and choosing a high deductible

  • File and track claims online, over the phone, in person, or through its mobile app

  • High customer satisfaction and financial strength ratings

Cons

  • No discounts for first-time homebuyers or going a year without a claim

Why State Farm tops our best list

State Farm has some of the highest customer satisfaction ratings with J.D. Power, and it also offers a plethora of additional coverages. It's easy to keep track of claims, too. State Farm gives customers the ability to file and track claims online, over the phone, in person, or through the mobile app.

How to get a quote

Online through State Farm

Allstate

Allstate logo

Allstate's mix of exceptional customer satisfaction ratings, personalized coverage options, and numerous discount opportunities make it one of the most popular homeowners insurance companies on the market.

Pros

  • Several coverage add-ons, including ones for roof surfaces, water backup, green improvements, and mold protection

  • 8+ discounts, including autopay, bundling, zero claims, and new homebuyer

  • Get up to 25% off your premiums when you bundle home and auto insurance

  • Excellent customer service and claims satisfaction ratings

  • File and track claims online or through its mobile app

Cons

  • Rates are typically high compared to competitors

Why Allstate tops our best list

Allstate tops our best list for a number of reasons, from its incredible benefits for customers to its discounts and bundle options. For Atlanta residents, Allstate offers coverage add-ons to protect against expensive water backups or roof damage, helping you prepare for the stormy season.

How to get a quote

Online through Policygenius or Allstate 

USAA

USAA logo

USAA's robust coverages and high marks for customer service and claims satisfaction make it a solid home insurance option for military members and their families.

Pros

  • Score discounts for zero claims, being a loyal USAA member, opting into e-billing, and more

  • Base policy includes coverages that cost extra with most other companies

  • Offers earthquake coverage — which is hard to come by

  • Get discounted home security systems and a discount on premiums through its partnership with ADT

  • Industry-best customer service and claims satisfaction ratings

Cons

  • Only available to military families

  • Doesn’t offer extended or guaranteed replacement cost dwelling coverage

Why USAA tops our best list

If you or a partner are members of the armed services, then USAA might be the right homeowners insurance company for you and your family. Their base coverage options include many add-on options that often cost more with other providers. You can also find many available discounts to help lower rates and premiums and make your insurance coverage even more affordable. 

How to get a quote

Online through USAA

Travelers

Travelers logo

With over 165 years of experience and impeccable financial ratings, Travelers is one of the most trusted home insurance companies in the business. It offers personalized coverage and a slew of policy add-ons to ensure you have exactly the right protection.

Pros

  • 4 customizable policy packages with several available add-ons, like extended replacement cost and water backup coverage

  • Offers eco-friendly green home coverage and discounts

  • Protect expensive family heirlooms and appliances with equipment breakdown, guaranteed replacement cost, and personal articles coverage

  • File claims online — plus, Travelers has special catastrophe centers for claims after a natural disaster

Cons

  • Below-average customer service and claims satisfaction ratings

Why Travelers tops our best list

Travelers offers a lot of coverage options and benefits for Atlanta residents. Not only do they offer add-ons like water backup coverage, but they also offer coverage for family heirlooms and expensive personal valuables. These are especially important for residents who are at risk of windstorms.

How to get a quote

Online through Policygenius or Travelers

Auto-Owners Insurance

Auto-Owners Insurance logo

Auto-Owners is the 12th largest home insurance provider in the U.S. thanks to its low rates, numerous discounts, and robust coverage options — including inland flood insurance.

Pros

  • Excellent coverage add-ons, including inland flood insurance, guaranteed replacement cost, and equipment breakdown coverage

  • Flood insurance covers belongings in your basement — a rare find

  • Save on premiums by bundling policies, paying off your mortgage, choosing a high deductible, having a backup generator, and more

Cons

  • Can't file claims online — you must call or visit an agent to get started

Why Auto-Owners Insurance tops our best list

Auto-Owners Insurance is perfect for Atlanta residents because of their inland flood coverage options and their replacement cost guarantee, which means Auto-Owners will pay for the full cost to repair or rebuild your home, even if the cost is higher than your policy limit. The best part? Auto-Owners insurance flood coverage even covers personal belongings in your basement, which is almost unheard of in the world of insurance. 

How to get a quote

By calling Auto-Owners Insurance

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Cheapest homeowners insurance companies by ZIP code in Atlanta

How much you pay for homeowners insurance depends largely on your home’s location. Each ZIP code in Atlanta has different risk factors that impact your rates — for example, you may see higher premiums if you live in an area prone to property crime or a far distance from a fire house. 

The table below highlights the cheapest homeowners insurance company for select ZIP codes in and around the Atlanta area. As you can see, Cincinnati and Auto-Owners Insurance have the cheapest average rate in most Atlanta ZIP codes.  

ZIP code

Company

Average yearly cost

30303

Auto-Owners Insurance

$1,419

30304

Auto-Owners Insurance

$1,438

30305

Auto-Owners Insurance

$1,405

30306

ASI Progressive

$1,205

30307

ASI Progressive

$1,205

30308

Auto-Owners Insurance

$1,416

30309

ASI Progressive

$1,205

30310

Auto-Owners Insurance

$1,428

The most affordable areas for homeowners insurance in Atlanta

If you're looking to move, consider some of the more affordable ZIP codes around Atlanta. 30341 is the cheapest ZIP code in Atlanta.

ZIP code

Average yearly cost

30341

$1,827

30324

$1,830

30326

$1,855

30345

$1,866

30306

$1,868

The most expensive areas for homeowners insurance in Atlanta

These areas and neighborhoods pay the highest home insurance rates across Atlanta. The 30311 area of Atlanta is the most expensive ZIP code in Atlanta, possibly because of the dense population and higher rate of home insurance claims. 

ZIP code

Average yearly cost

30311

$2,243

30310

$2,203

30315

$2,199

30314

$2,192

30304

$2,182

Shopping for homeowners insurance in Atlanta

When asked what factor is most important when deciding on homeowners insurance, most consumers will likely say cost. But the truth is, cost is only one of many factors you should consider when shopping for your first, or next, homeowners insurance provider.

Homeowners need to consider things like liability coverage, deductible amounts, as well as personal life choices — breed of pets, backyard pools, and credit scores — that can determine insurance rates. All of these factors will be priced differently from company to company.

Atlanta home insurance costs by coverage amounts

Home insurance policies include different coverages that protect most aspects of your home. Dwelling coverage covers the physical structure of your home. You'll need to use this coverage if your home is damaged or destroyed by a covered loss, like a tornado or fire.

Homes with $100,000 can pay as little as $900 a year, while homes with coverage exceeding $200,000 will pay about $2,000 a year.

Dwelling coverage amount

Average yearly cost

$100,000

$983

$200,000

$1,522

$300,000

$2,051

$400,000

$2,630

$500,000

$3,252

Liability coverage is another important piece of your home insurance policy. This coverage protects you’re held legally responsible for an accidental injury or property damage. If you have more potential risk, like a dog or a pool, you might consider a higher coverage limit to better protect yourself and your home. 

In general, the higher your liability coverage limits, the more your insurance premiums will be. 

Liability coverage amount

Average yearly cost

$100,000

$2,087

$200,000

$2,177

$300,000

$2,051

$400,000

$2,402

$500,000

$2,054

Atlanta home insurance costs by deductible amount

Every home insurance policy has a deductible. This is the amount that you’re responsible for paying on each claim. The amount of that deductible can vary depending on the terms of each individual policy.  

To lower your rates, consider opting into a higher deductible. A higher deductible means you are responsible for paying more out of pocket in the event of a claim, but it keeps your month-to-month payment much lower. 

Policyholders in Atlanta can save $500 a year by choosing a $2,000 deductible over a $500 deductible. 

Deductible amount

Average yearly cost

$500

$2,344

$1,000

$2,051

$2,000

$1,826

Home insurance discounts in Atlanta

Many home insurance providers offer discounts to qualified customers. These discounts vary from provider to provider, but most offer some type of discount for common safety features, like deadbolts, smoke alarms, or burglar alarms. 

The average discount for deadbolts or burglar alarms alone on a house with $300,000 in dwelling coverage is relatively low. This means you’re not likely to see big rate savings if your house has these features and nothing else. With an average discount of $100, smoke alarms provide a slightly larger discount for Atlanta area homeowners.

Discount

Average yearly cost

Dead bolt

$2,046

Smoke alarm

$2,043

Burglar alarm

$1,956

Home insurance companies in Atlanta for dog owners

Pet owners, and more specifically dog owners, often have to pay higher home insurance rates depending on their dog’s breeds. Insurance companies have deemed certain dog breeds as aggressive, so they’ll often increase insurance rates on homeowners with a so-called dangerous breed to counteract potential dog bite claims. 

The table below shows some average yearly costs for dog owners with aggressive breeds. Auto-Owners Insurance offers the cheapest coverage for dogs, while similar coverage through Travelers is $1,100 more each year. 

Company

Average yearly cost

Auto-Owners Insurance

$1,419

Allstate

$1,466

USAA

$1,693

State Farm

$2,260

Travelers

$2,575

Home insurance companies in Atlanta for poor credit

Generally, individuals with better credit scores enjoy lower home insurance premiums. Insurance companies have found that customers with lower credit scores are more likely to file claims for small losses, like a pipe leak, since they may not be in a financial position to pay for these damages out of pocket.

It’s important to note that while your credit score impacts your policy premiums, some insurance companies don’t weigh this factor as heavily as others, so it’s important to do your research and shop around. 

Company

Average yearly cost

Allstate

$2,509

USAA

$2,985

State Farm

$3,881

Travelers

$4,243

Auto-Owners Insurance

$15,177

Home insurance companies in Atlanta for pool owners

Homeowners with backyard pools present a higher risk for liability claims, so their insurance rates are usually higher. 

The table below outlines some of the average yearly costs for pool owners in the Atlanta area. Cincinnati Insurance comes in with the cheapest premium for pool owners at just $1,419 per year.

Company

Average yearly cost

Auto-Owners Insurance

$1,419

Allstate

$1,529

USAA

$1,693

State Farm

$2,260

Travelers

$2,575

How to buy homeowners insurance in Atlanta

Here are a few steps to follow when shopping for and purchasing home insurance in Atlanta.

  1. Contact a licensed Policygenius agent. Our team of licensed insurance experts are ready to help you find the right coverage for your needs and budget. 

  2. Consider purchasing flood insurance. Standard insurance policies don't often include flood insurance, it's a good idea to include it as an add-on coverage. Atlanta residents are at a higher risk for flood damage.

  3. Figure out your deductible. Your deductible should fit your budget and your area. If you live in an area of high flood risk, you might need to make multiple claims in one year. You'll want to figure out how much you can afford out of pocket at each claim. 

  4. Compare quotes from a Policygenius agent. Once you’ve determined your coverage needs, amounts, and deductible amount, a Policygenius agent will present quotes from different companies to help you find the best policy for your home and your budget. 

  5. Sign your policy, and pay your first premium. After you've selected the right policy for you, your Policygenius agent will help you complete and file the right paperwork. Then you'll just need to sign your policy and pay your first premium. 

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Frequently asked questions

What factors affect my homeowners insurance rates and coverage?

There are a lot of factors insurance providers consider when offering a home insurance policy. Not only will they look at the value and location of your home, but they will also consider personal factors as well. Things like the breed of dog you have or your credit score can negatively impact your home insurance rates.

How can I lower my homeowners insurance in Atlanta?

Discounts and bundle options are one of the best ways to lower your home insurance rates. Many insurance providers offer a slew of discounts for qualified homeowners. You can also select a higher deductible if your home faces relatively minimal risk and its set to an amount that you can afford in the event of a claim.

Is it mandatory to have homeowners insurance in Atlanta?

There is no law requiring homeowners insurance in Atlanta, but it is a requirement for most mortgage lenders. Home insurance policies protect both you and your mortgage company's investment into your home, so they'll want to ensure your home is fully insured.

Methodology

Policygenius has analyzed home insurance rates provided by Quadrant Information Services in March 2022 for ZIP codes in all 50 states plus Washington, D.C., for a 40-year-old female homeowner with no claim history, good credit, a $1,000 deductible, and the following coverage limits:

  • Dwelling: $300,000

  • Other structures: $30,000

  • Personal property: $150,000

  • Loss of use: $60,000

  • Liability: $300,000

  • Medical: $1,000

All rates based on the above coverage limits except where otherwise noted.

Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.