Updated: December 16, 2024
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In Atlanta, Georgia, Chubb is the overall best and cheapest choice for home insurance. Chubb is also the best option if customer service is your priority.
Choosing the best cheap home insurance depends on your individual needs and preferences. Consider factors like cost, coverage and customer service.
Best HomeInsuranceAtlanta, GATable of Contents
Why Trust MoneyGeek? We used data and rates from the Georgia Office of the Insurance and Safety Fire Commissioner and Quadrant Information Services to select the top homeowners insurance options in Atlanta.
Home insurance premiums in Atlanta represent the latest available quotes as of September 2024.
MoneyGeek found that Chubb is the best option in Atlanta, Georgia, for home insurance with $100K dwelling coverage. It has a MoneyGeek score of 99 out of 100.
The scores for home insurance companies in Atlanta range from 43 to 99. These figures reflect MoneyGeek's scoring system, and insurers may receive different scores based on factors such as credit history and the age of your home.
| Chubb | 99 | $915 |
| Auto-Owners Insurance | 83 | $1,200 |
| Travelers | 75 | $1,049 |
| Nationwide | 70 | $1,192 |
| State Farm | 66 | $1,427 |
| Allstate | 50 | $1,408 |
| Farmers | 43 | $1,727 |
MoneyGeek found that Chubb is the best option in Atlanta, Georgia, for $100K dwelling coverage. The two best overall home insurance companies in Atlanta for $100K dwelling coverage are:
Chubb is the best home insurance provider due to its balanced mix of affordable premiums and customer satisfaction.
In Atlanta, Georgia, various companies offer different cost and service experiences. While cost is a crucial factor, consider service quality and customer satisfaction, as these factors are important when making claims.
Chubb is the best overall company, with high scores in affordability and satisfaction. It offers comprehensive home insurance coverage, including guaranteed replacement cost and building ordinance or law. Chubb also provides discounts like new home and home renovation, which can help you save money. For example, you can get a discount if your home is 10 years old or less.
Chubb's guaranteed replacement cost helps rebuild your home even if costs exceed your policy limit. Building ordinance or law coverage pays for updates to meet current codes. Cash settlement allows you to receive a payout if you choose not to rebuild. These coverages provide valuable protection for homeowners.
MoneyGeek found that Chubb is the best option in Atlanta, Georgia, for $100K dwelling coverage. Highlighted for its superior customer service, Chubb is a leading home insurance provider.
Chubb ranks highest due to its excellent customer satisfaction, providing key benefits such as responsive service and comprehensive coverage options. Customers feel valued and supported when choosing Chubb, making it a standout choice for insurance needs.
Excellent service in home insurance means quick, friendly help and comprehensive policy options.
Chubb is the best for service quality, thanks to its high customer satisfaction and coverage scores. It offers comprehensive home insurance with coverages like guaranteed replacement cost and building ordinance or law. Chubb also provides discounts like new home and home renovation, which can help you save money. If your home is new or recently renovated, you might qualify for these savings.
Chubb's guaranteed replacement cost helps rebuild your home even if costs exceed your policy limit. Building ordinance or law covers bringing your home up to code after damage. Cash settlement lets you choose not to rebuild and receive a cash payout instead.
MoneyGeek found that Chubb is the best option in Atlanta, Georgia, for cheap home insurance with $100K dwelling coverage. The top two best cheap insurance providers for $100K dwelling coverage are:
When considering the average cost of homeowners insurance in Georgia, Chubb stands out for its balance of affordability and customer satisfaction, contributing to its high MoneyGeek score. Cheap home insurance often means choosing lower coverage, which can save you money. However, it may not cover everything if an accident happens. In instances where saving on premiums is a priority, considering the cheapest homeowner insurance companies may be beneficial.
The best cheap insurance isn't always the same as the most affordable — it considers value and coverage beyond just price. As the top provider of the best cheap home insurance, Chubb effectively balances cost and service.
Chubb is the best cheap company, scoring high in affordability and satisfaction. It offers comprehensive home insurance with guaranteed replacement cost and building ordinance or law coverages. You can save with discounts like new home, which applies if your home is seven to 10 years old or less.
Chubb provides valuable coverages like guaranteed replacement cost, which helps rebuild your home even if costs exceed your policy limit. Building ordinance or law coverage pays to bring damaged areas up to code.
MoneyGeek’s home insurance calculator will give you a ballpark estimate of your cost — it’s free, no personal information required, no spam.
Rates updated:
Dec 20, 2024
Several factors, including location, impact homeowners insurance in Atlanta. To save, compare rates from different companies, though it could take over an hour since each company takes up to 15 minutes. MoneyGeek's home insurance calculator offers instant savings. Enter details like age, coverage, credit score, deductible and liability to get an estimate.
MoneyGeek found that Chubb is the best option in Atlanta, Georgia. The main factor affecting home insurance premiums is the dwelling coverage you choose.
Chubb offers the least expensive option in Atlanta, cheaper by $134 than the next best provider. Auto-Owners tops the $250K and $500K coverage categories, confirming its affordability.
Opting for the cheapest homeowners insurance in Georgia can be advantageous for managing finances effectively.
| Chubb | $915 |
| Travelers | $1,049 |
| Nationwide | $1,192 |
| Auto-Owners Insurance | $1,200 |
| Allstate | $1,408 |
| State Farm | $1,427 |
| Farmers | $1,727 |
Auto-Owners is the cheapest option for high-value homes in Atlanta, Georgia. High dwelling coverage is needed for homes that cost more to replace, and home insurance costs rise with higher coverage levels.
Auto-Owners offers the lowest premiums for expensive homes in Atlanta. According to MoneyGeek, it combines affordability with a high quality service score, making it a strong choice for homeowners seeking value.
| Auto-Owners Insurance | $4,059 |
| Allstate | $4,845 |
| Chubb | $5,456 |
| State Farm | $5,905 |
| Travelers | $6,784 |
| Farmers | $7,219 |
| Nationwide | $7,837 |
Chubb is the cheapest option for home insurance covering new homes in Atlanta, Georgia.
For $100K dwelling coverage, Chubb is the top provider for homeowners in Atlanta due to its lower cost. However, it is not always the best choice according to other metrics, such as service quality.
Remember to be adequately covered when choosing your home insurance.
| Chubb | $651 |
| Nationwide | $664 |
| Travelers | $774 |
| State Farm | $854 |
| Allstate | $872 |
| Auto-Owners Insurance | $887 |
| Farmers | $1,207 |
The best cheap homeowners insurance providers in Atlanta balance quality and cost, offering excellent customer service and coverage with affordable premiums.
In Atlanta, the best cheap homeowners insurance depends on your needs. You should consider factors beyond premiums, such as location-specific risks and the claims process. Follow these steps to get the best cheap home insurance:
To determine how much home insurance coverage you need, consider the specifics of your home in Atlanta, Georgia. Take into account rebuilding costs, the value of your personal property and your liability needs.
Research insurance companies serving Atlanta, Georgia. Look for those with strong financial stability, good customer reviews and a track record of quality service.
Once you know what coverages you need, compare home insurance quotes. For a dwelling coverage of $100K in Atlanta, Georgia, premiums can vary from as low as $915 to as high as $1,727 annually.
Inquire with each provider about discounts you may qualify for, such as for bundling policies, installing safety features or maintaining a claims-free record.
Opting for a higher home insurance deductible can lower your premium, but ensure it's an amount you can afford to pay in case of a claim.
Enhancing your home's security with alarm systems and robust locks can reduce its risk profile and potentially lower insurance costs.
Keep a good credit score, as it can affect your insurance rates in Atlanta, Georgia. Pay bills on time and reduce outstanding debt.
Consider bundling your homeowners insurance with other policies, such as auto insurance. This can lead to significant discounts and savings.
The best cheap home insurance provider in Atlanta depends on your coverage needs and budget. Get answers to common questions about the best cheap insurance rates in Atlanta, Georgia, to guide you to a suitable insurance choice without breaking the bank.
The average home insurance cost in Atlanta, Georgia, is $991.
Chubb is the cheapest home insurance company in Atlanta, Georgia, with an annual premium of $915.
The best home insurance in Georgia for Atlanta residents is provided by Chubb, with a MoneyGeek score of 99 out of 100.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.
