3104 Pine Heights Dr NE Condo: Renters Insurance Guide & What It Actually Costs

Last updated Apr 16, 2026

Thinking about renting at 3104 Pine Heights Dr NE Condo in Buckhead? Rent here runs From $2,650, and renters insurance adds about $13/mo. Below we break down which carriers are cheapest for this building and what the lease actually requires.

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3104 Pine Heights Dr NE, Unit 3104, Atlanta, GA 30324

Buckhead

From $2,650 /month

Monthly Cost Breakdown at 3104 Pine Heights Dr NE Condo

The listed rent isn't the whole number. Here's what 3104 Pine Heights Dr NE Condo actually costs each month once you add required fees and insurance.

Total Monthly Cost $2,663
Base Rent $2,650
Est. Renters Insurance $13/mo

Renters Insurance at 3104 Pine Heights Dr NE Condo

What Affects Your Premium Here

Every building is different. These factors specific to 3104 Pine Heights Dr NE Condo can push your insurance cost up or down:

Gated Community

Gated access reduces theft risk — may qualify for security discount

Controlled Access

Electronic/key fob entry — reduces unauthorized entry risk

Dog-Friendly

Dogs allowed — consider higher liability coverage

FEMA Flood Zone

Zone X — minimal flood risk

FBI UCR

Property crime rate: 3169/100K (101% above national average)

What You'll Likely Pay

$13

Est. Monthly

$160

Est. Annual

$12

With Discounts/mo

$13

State Avg/mo

How Much Coverage Makes Sense

Renters insurance has two main pieces: personal property coverage, which pays to replace your belongings if they're stolen or damaged (think furniture, electronics, clothes), and liability coverage, which protects you if someone gets hurt in your unit or you accidentally damage someone else's property. Here's what we'd recommend for 3104 Pine Heights Dr NE Condo based on the rent level and building features.

Personal Property

What your stuff is worth

$50,000 recommended

If you own less

$35,000

If you own more

$75,000

Liability

Covers accidental harm & lawsuits

$300,000 recommended

Dog-friendly community — higher liability recommended for pet-related incidents

How Carriers Compare for This Area

Not all carriers price the same zip code equally. Here's how the major options stack up near 3104 Pine Heights Dr NE Condo:

Carrier Monthly Annual
Lemonade $8/mo $91/yr
USAA $9/mo $103/yr
State Farm $11/mo $137/yr
Progressive $12/mo $149/yr
Safeco $12/mo $149/yr
Travelers $13/mo $160/yr
Allstate $14/mo $171/yr
Nationwide $14/mo $171/yr
Farmers $15/mo $183/yr
Liberty Mutual $17/mo $206/yr

Discounts You May Qualify For

Gated community
-5%
Controlled access
-3%
Sprinkler system
-5%
Claims-free (if applicable)
-10%
Pay-in-full annual
-7%
Paperless/autopay
-3%
Multi-policy bundle
-10%

Next Step

See if you can beat $12/mo

7 discounts may apply here. Real quotes show your actual price — estimates can't.

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Property Crime & Theft Risk

Renters insurance pricing is driven by property crime — theft, burglary, and vehicle break-ins — not violent crime. Here's what the FBI's Uniform Crime Reporting data shows for Atlanta.

Atlanta property crime rate

3,169

per 100K residents

101% above U.S. avg

U.S. avg is 1,578 per 100K

Breakdown per 100K residents

Burglary
330 / 200
Larceny / theft
2,370 / 1,172
Vehicle theft
469 / 206

U.S. average

Higher-than-average property crime is why insurance carriers charge more in this zip code — your premium reflects the claims frequency for the area. 3104 Pine Heights Dr NE Condo also has on-site security features (Controlled access, Gated, Gated access, Sprinklers, Covered parking) that insurers recognize with discounts.

Source: FBI UCR Program, Atlanta (2024-12 to 2025-11)

On-Site Security

Controlled access Gated Gated access Sprinklers Covered parking

Flood Risk

Standard renters insurance does not cover flood damage. FEMA maps every property into a flood zone — here's what that means for 3104 Pine Heights Dr NE Condo.

FEMA Zone X (Area Of Minimal Flood Hazard) — Minimal flood risk

Flood insurance optional but inexpensive in this zone.

Flood zone data from FEMA National Flood Hazard Layer (NFHL). Zones can change — verify at FEMA Flood Map Service.

Fees Beyond Rent

These are the additional charges beyond base rent at 3104 Pine Heights Dr NE Condo. Some are monthly, some are one-time — all of them affect your actual cost of living here.

Pets Fees

Weight limit

--

Pet Limit

--

Amenities

Community Features

Furnished Units Available Elevator Fitness Center Pool Tennis Court

Floor Plan Amenities

High Speed Internet Access Washer/Dryer Air Conditioning Heating Ceiling Fans Smoke Free Cable Ready Security System Tub/Shower Fireplace Sprinkler System Dishwasher Disposal Ice Maker Granite Countertops Stainless Steel Appliances Kitchen Microwave Oven Range Refrigerator Freezer Coffee System Hardwood Floors Carpet Tile Floors Vinyl Flooring Dining Room Crown Molding Furnished Large Bedrooms Balcony

Pet Policy

Bringing a pet? Here's what 3104 Pine Heights Dr NE Condo allows — and keep in mind, if you have a dog, most insurance advisors recommend bumping your liability coverage to at least $300,000. Standard renters policies cover pet-related incidents, but the default $100,000 limit may not be enough if something happens.

Dogs Allowed

About 3104 Pine Heights Dr NE Condo

Phone: (470) 305-6375

From the property listing:

Move-in ready and fully furnished, this residence offers an exceptional blend of space, privacy, and elevated living in one of Buckhead’s most desirable settings. Set within a rare 17-acre enclave with only four buildings, the community delivers a quiet, park-like atmosphere with gated entry and controlled access. Ideally positioned just minutes from Lenox Square, Phipps Plaza, and major highways, the home also offers walkable access to Lenox Village, featuring notable dining such as Toast on Lenox, along with curated everyday conveniences.

Other Options Nearby

Still weighing your choices? These communities are in the same part of Atlanta — compare rent and estimated insurance cost side by side.

1401 West Paces Apartments

Buckhead

$1,229 - $2,774 Ins: ~$12/mo

3057 Pharr Court Condos

Buckhead

$1,950 Ins: ~$13/mo

47 25th St NW Apartment

Buckhead

$2,754 Ins: ~$13/mo

55 Pharr Apartments

Buckhead

$1,449 - $1,724 Ins: ~$13/mo

771 Lindbergh Apartments

Buckhead

$1,365 - $1,905 Ins: ~$13/mo

92 West Paces Apartments

Buckhead

$1,789 - $4,785 Ins: ~$11/mo

Frequently Asked Questions

Does 3104 Pine Heights Dr NE Condo require renters insurance?
We didn't find a public insurance requirement for 3104 Pine Heights Dr NE Condo, but that doesn't mean there isn't one. Many communities add the requirement during lease signing. It's worth asking the leasing office directly — and even if it's not required, a policy typically runs under $20/month and covers you against theft, fire, and liability.
How much is renters insurance at 3104 Pine Heights Dr NE Condo?
For this zip code and building type, expect to pay around $13/month ($160/year). 3104 Pine Heights Dr NE Condo has security features that qualify for discounts — with those applied, you could pay as little as $12/month. For context, the statewide average is $13/month, so this building is right around average.
What will I actually pay per month at 3104 Pine Heights Dr NE Condo?
Plan for about $2,663/month all-in. That's base rent (From $2,650), plus roughly $13/month for renters insurance. Most apartment listing sites don't include those last two — so the sticker price can be misleading.
Does 3104 Pine Heights Dr NE Condo allow pets?
Yes, 3104 Pine Heights Dr NE Condo is pet-friendly. Here are the details: . Dogs Allowed. If you have a pet, keep in mind that most renters insurance policies cover pet liability — but you may want to increase your liability limit, especially for larger breeds.
How safe is the area around 3104 Pine Heights Dr NE Condo?
Property crime in Atlanta runs noticeably higher than the national average — 3,169 incidents per 100,000 residents versus the U.S. average of 1,578. That's the metric insurance carriers care about most for renters coverage, since property crime (theft, burglary, vehicle break-ins) drives most claims. Burglary specifically is 330/100K here. On the property itself, you'll find controlled access, gated, gated access, sprinklers — features that can qualify for premium discounts.

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Disclaimer

The information on this page — including rent prices, fees, floor plans, amenities, insurance requirements, and safety data — is collected from publicly available sources and may not reflect the most current details. Apartment communities may update their offerings, policies, and pricing at any time. Always confirm details directly with the leasing office or the community's official website before making any decisions.

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