Renters Insurance at Flats at Atlantic Station Apartments
What Affects Your Premium Here
Every building is different. These factors specific to Flats at Atlantic Station Apartments can push your insurance cost up or down:
Controlled Access
Electronic/key fob entry — reduces unauthorized entry risk
Water/Leak Issues
4 mentions in Google 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
$13
Est. Monthly
$152
Est. Annual
$11
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 Flats at Atlantic Station Apartments based on the rent level and building features.
Personal Property
What your stuff is worth
If you own less
$10,000
If you own more
$25,000
Liability
Covers accidental harm & lawsuits
Pool on premises — higher liability recommended for accidents at shared amenities
How Carriers Compare for This Area
Not all carriers price the same zip code equally. Here's how the major options stack up near Flats at Atlantic Station Apartments:
| 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
Next Step
See if you can beat $11/mo
7 discounts may apply here. Real quotes show your actual price — estimates can't.
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
per 100K residents
U.S. avg is 1,578 per 100K
Breakdown per 100K residents
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. Flats at Atlantic Station Apartments also has on-site security features (Concierge, Security cameras, Controlled access, Doorman, Sprinklers, Covered parking) 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.
On-Site Security
Flood Risk
Standard renters insurance does not cover flood damage. FEMA maps every property into a flood zone — here's what that means for Flats at Atlantic Station 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.
450 16th St NW, Atlanta, GA 30363
West Midtown Atlanta
Monthly Cost Breakdown at Flats at Atlantic Station Apartments
The listed rent isn't the whole number. Here's what Flats at Atlantic Station Apartments actually costs each month once you add required fees and insurance.
Fees Beyond Rent
These are the additional charges beyond base rent at Flats at Atlantic Station 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.
Administrative Fee
Charged per unit.
Parking Fees
Parking Fee
Charged per vehicle.
Pet Policy
Bringing a pet? Here's what Flats at Atlantic Station Apartments allows. Standard renters insurance typically covers pet-related incidents, so you usually won't need any add-on coverage for a cat.
About Flats at Atlantic Station Apartments
From the property listing:
APP FEE IS ONLY $75 AND ADMIN FEE IS ONLY $200!!!!! THE FLATS AT ATLANTIC STATION IS A STUDENT HOUSING COMMUNITY. Fully Furnished, Shared, 2, 3, and 4 Bedroom Apartments. Additional Monthly Water Utility Fee: $45 Electricity Fee: based on usage Monthly Parking Fee: $100 We are now leasing for Spring and Fall 2025 and FILLING UP FAST!!!! Give our leasing office a call to schedule and appointment Monday - Friday 9AM -5:30PM, Saturday 12PM -5PM. Call our leasing office today to schedule a tour and check on availability! The Flats at Atlantic Station is a Student Only apartment community.
Frequently Asked Questions
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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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