City Plaza Apartments: Renters Insurance Guide & What It Actually Costs

Last updated Apr 16, 2026

Thinking about renting at City Plaza Apartments in Atlanta? Rent here runs $1,170 – $1,925, and renters insurance adds about $17/mo. Below we break down which carriers are cheapest for this building and what the lease actually requires.

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133 Trinity Ave SW, Atlanta, GA 30303

Atlanta

Built 1996 6 stories 164 units
4.3/5 ·143 reviews Google
4/5 ·3 reviews Apt. Finder
$1,170 – $1,925 /month

Monthly Cost Breakdown at City Plaza Apartments

The listed rent isn't the whole number. Here's what City Plaza Apartments actually costs each month once you add required fees and insurance.

Total Monthly Cost $1,187 – $1,942
Base Rent $1,170 – $1,925
Est. Renters Insurance $17/mo

Renters Insurance at City Plaza Apartments

What Affects Your Premium Here

Every building is different. These factors specific to City Plaza Apartments 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

Security System Issues

1 mentions of broken gates, cameras, or locks in reviews

FEMA Flood Zone

Zone X — minimal flood risk

FBI UCR

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

What You'll Likely Pay

$17

Est. Monthly

$200

Est. Annual

$14

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 City Plaza Apartments based on the rent level and building features.

Personal Property

What your stuff is worth

$25,000 recommended

If you own less

$15,000

If you own more

$40,000

Liability

Covers accidental harm & lawsuits

$100,000 recommended

Standard minimum for most lease requirements in Georgia

How Carriers Compare for This Area

Not all carriers price the same zip code equally. Here's how the major options stack up near City Plaza Apartments:

Carrier Monthly Annual
Lemonade $10/mo $114/yr
USAA $11/mo $129/yr
State Farm $14/mo $171/yr
Progressive $15/mo $186/yr
Safeco $15/mo $186/yr
Travelers $17/mo $200/yr
Allstate $18/mo $214/yr
Nationwide $18/mo $214/yr
Farmers $19/mo $229/yr
Liberty Mutual $21/mo $257/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 $14/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. City Plaza Apartments also has on-site security features (Package service, Controlled access, Property manager on site, Gated, Sprinklers, Covered parking, Perimeter fencing) that insurers recognize with discounts.

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

What Residents Are Saying

Based on Google reviews, here are the issues residents mention most often — and the ones that matter when choosing your coverage. Longer bars indicate more frequent discussion.

Noise Mentioned
Security System Failures Mentioned

On-Site Security

Package service Controlled access Property manager on site Gated Sprinklers Covered parking Perimeter fencing

Flood Risk

Standard renters insurance does not cover flood damage. FEMA maps every property into a flood zone — here's what that means for City Plaza Apartments.

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 City Plaza Apartments. Some are monthly, some are one-time — all of them affect your actual cost of living here.

Required Fees

Application Fee Per Applicant

Charged per applicant.

$75

Administrative Fee

Charged per unit.

$250

Parking Fees

Parking Fee

Max of 1. Charged per vehicle.

$38 - $135 / mo

Parking Deposit

Charged per vehicle.

Free

Parking Fee

Charged per vehicle.

$34 / mo

Garage Lot

On-site covered resident parking.

Covered

On-site covered resident parking.

Amenities

Special Features

Private Balconies Renovated 2CGi On-Site Management & Maintenance Night Patrol Private Clubhouse & Exercise Facility Private clubhouse and exercise facility Dual Elevators in Each Building Electronic Payment Options Renovated 1AGd Controlled Access Entry Electronically controlled access Full Sized Washer & Dryer Parking 27,000 square feet of retail space. Mini Blinds

Community Features

Maintenance on site 24 Hour Access Recycling Public Transportation Key Fob Entry Elevator Clubhouse Disposal Chutes Fenced Lot Courtyard Grill Fitness Center Walk To Campus

Floor Plan Amenities

High Speed Internet Access Washer/Dryer Air Conditioning Heating Smoke Free Cable Ready Trash Compactor Tub/Shower Fireplace Sprinkler System Framed Mirrors Wheelchair Accessible (Rooms) Dishwasher Disposal Ice Maker Stainless Steel Appliances Kitchen Microwave Oven Range Refrigerator Freezer Carpet Office Walk-In Closets Window Coverings Balcony Patio

About City Plaza Apartments

Year Built: 1996
Stories: 6 stories
Units: 164
Phone: (470) 944-3695

From the property listing:

City Plaza, Atlanta Central Business District's premier apartment community, takes city living to a new level. City Plaza offers elegant living combined with almost endless convenience. Imagine spacious apartment homes, each with its own washer and dryer, microwave, dishwasher, garbage disposal and balcony. City Plaza is located directly across from Atlanta City Hall and Georgia Plaza Park, within walking distance of Atlanta's major city buildings and surrounded by three historic churches.With authorized key-bard entry, access will always be limited at City Plaza.

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.

Frequently Asked Questions

Does City Plaza Apartments require renters insurance?
We didn't find a public insurance requirement for City Plaza Apartments, 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 City Plaza Apartments?
For this zip code and building type, expect to pay around $17/month ($200/year). City Plaza Apartments has security features that qualify for discounts — with those applied, you could pay as little as $14/month. For context, the statewide average is $13/month, so this building is above average.
What will I actually pay per month at City Plaza Apartments?
Plan for $1,187 to $1,942/month all-in. That's base rent ($1,170 – $1,925), plus roughly $17/month for renters insurance. Most apartment listing sites don't include those last two — so the sticker price can be misleading.
How safe is the area around City Plaza Apartments?
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 package service, controlled access, property manager on site, gated — features that can qualify for premium discounts.
What floor plans does City Plaza Apartments offer?
There are 7 floor plans to choose from, spanning 1-bedroom, 2-bedroom layouts. Rent ranges from $1,170 – $1,925. Your unit size can affect your insurance cost too — a larger unit typically means more belongings to cover.

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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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