Homeowners Insurance in Atlanta, GA – Protect Your Home and Property
Insurance that fits. Service that shows up.
Smart, straightforward coverage from a local agent who knows the area
At The Elkins Agency, we know your home isn’t just where you live — it’s where your life happens. Whether you’re buying your first house, renovating your current one, or insuring a rental or condo, we’re here to make homeowners insurance in Atlanta simple and secure.
What Your Policy Should Cover
We make sure your homeowners policy is built around the risks that matter most in Georgia.
Dwelling Coverage
Protects the structure of your home from damage due to fire, wind, hail, or other covered events.
Personal Property
Covers furniture, electronics, clothing, and other belongings — at home or even when you’re traveling.
Liability Protection
Pays for legal expenses if someone is injured on your property or if you cause damage to someone else’s.
Other Structures
Covers detached garages, fences, sheds, and similar structures on your property.
Loss of Use
Helps with living expenses if you need to move out during repairs from a covered loss.
What’s Not Covered
Standard policies don’t include flood or earthquake coverage — we’ll help you explore separate options if needed.
Add-Ons That Matter
Customized extras to strengthen your protection where it counts.
Flood Insurance
Especially important for Atlanta-area homes in low-lying or high-risk zones.
Sewer & Drain Backup
Adds protection from messy, expensive water damage.
High-Value Items
Protects jewelry, art, or collectibles beyond standard limits.
Identity Theft Protection
Optional rider to help recover from identity fraud.
Why Home Insurance Matters in Atlanta, GA
Not all home insurance policies are equal — we help you build one that actually works when disaster strikes.
From severe storms and fires to theft and liability claims, Atlanta homeowners face real risks. The Elkins Agency takes time to explain what’s covered, what’s not, and how to avoid costly gaps in protection. With our help, your policy won’t just check boxes — it’ll give you confidence.
Why Choose Us for Home Insurance in Atlanta, GA
Local Knowledge
We understand Atlanta’s neighborhoods, home values, and weather risks — so we know how to cover them properly.
Multiple Carriers
We shop from a range of top-rated companies to find the best fit, even for older homes or unique properties.
Personalized Support
We don’t just sell policies — we stick around. Whether you’re filing a claim or adjusting coverage after a renovation, we’ve got your back.
Independent & Honest
We work for you — not for one insurance company. That means better advice, more options, and no sales quotas.
FAQs About Homeowners Insurance
How much is home insurance in Atlanta?
It varies based on your home’s size, value, and location. Most Georgia homeowners pay between $1,200–$2,000 annually. We’ll find all available discounts to lower your cost.
Does home insurance cover floods?
No — not by default. Flood insurance is a separate policy. We’ll tell you if your location warrants it.
Can I bundle home and auto?
Yes, and we recommend it. Bundling often gives you a multi-policy discount and simplifies your coverage. Ask us about savings when you combine with auto insurance.
Secure Your Home with the Right Policy
Whether you’re comparing quotes or need help understanding your current coverage, The Elkins Agency is here to make home insurance in Atlanta simple and effective.