How much is homeowners insurance in Atlanta, NY

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In Atlanta, homeowners pay an average annual rate of $1,471 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 $1,033 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.

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

Based on a rate analysis conducted by Insure.com, Atlanta residents pay an average of $1,471 per year to insure a home for coverage limits of $300,000 dwelling, $100,000 liability with a $1,000 deductible. If you plan to increase your dwelling coverage from $200,000 to $300,000, you must pay an additional $378 per year for home insurance.

Buying adequate insurance to cover the entire expense of rebuilding your home is best advisable. However, the amount of dwelling coverage you need may vary depending on your home’s size, amenities, and the cost of living in your area.

How much is homeowners insurance in Atlanta by company

Among the carriers analyzed, American Family is the most affordable homeowners insurance company in Atlanta. It’s average annual rate for homeowners in Atlanta is $728, while NYCM Insurance ranks second.

Research on the company is essential before selecting a homeowners insurance policy. Insure.com has thoroughly examined all insurance companies operating in Atlanta and compiled a list of the most affordable home insurance companies.

Below are details of Atlanta home insurance companies and their average annual premiums.

Common natural disasters in New York that may affect home insurance

Living in New York comes with the threat of natural disasters, which can cause significant damage to homes and property, often resulting in insurance claims. Understanding which natural disasters are most prevalent in your area is key to choosing the right home insurance policy.

Ice storm is the most common natural disasters in New York that could impact your home insurance rates.

How home insurance protects you against natural disasters

Home insurance helps protect your property and belongings from the financial impact of natural disasters. While standard policies generally cover damages from windstorms, hail and lightning, additional coverage is required for disasters like floods, earthquakes and wildfires.

These types of damage are usually not covered by homeowners insurance, so homeowners need to buy separate flood or earthquake insurance to ensure complete protection.

Home insurance can help pay for structural damage repairs, replace lost or damaged items, and provide funds for temporary housing if your home becomes uninhabitable. This coverage provides financial relief, making it easier for homeowners to recover quickly from the effects of natural disasters.

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.

Shivani Gite

Contributing Writer

 

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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.

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