Renters Insurance at One12 Courtland Apartments
What Affects Your Premium Here
Every building is different. These factors specific to One12 Courtland Apartments can push your insurance cost up or down:
Older Building
Built in 1969 — older plumbing/electrical may increase risk
Controlled Access
Electronic/key fob entry — reduces unauthorized entry risk
Dog-Friendly
Dogs allowed — consider higher liability coverage
Theft Reports
2 mentions in Google reviews
Vehicle Crime
6 mentions of car theft, vandalism, or break-ins in reviews
Security System Issues
2 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
$18
Est. Monthly
$218
Est. Annual
$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 One12 Courtland 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
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 One12 Courtland 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
Next Step
See if you can beat $18/mo
5 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. One12 Courtland Apartments also has on-site security features (Controlled access, Property manager on site, Doorman, Covered parking, On site maintenance) 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 One12 Courtland 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.
112 Courtland St NE, Atlanta, GA 30303
Downtown Atlanta
Monthly Cost Breakdown at One12 Courtland Apartments
The listed rent isn't the whole number. Here's what One12 Courtland Apartments actually costs each month once you add required fees and insurance.
Fees Beyond Rent
These are the additional charges beyond base rent at One12 Courtland Apartments. Some are monthly, some are one-time — all of them affect your actual cost of living here.
Required Fees
Utility Account Fee
Charged per unit.
Administrative Fee
Charged per unit.
Application Fee Per Applicant
Charged per unit.
Green Fee
Charged per unit.
Utility Account Set Fee
Charged per unit.
Pets Fees
Pet Deposit
Max of 2. Charged per pet.
Monthly Pet Fee
Max of 2. Charged per pet.
Parking Fees
Parking Fee
Charged per vehicle.
Pet Policy
Bringing a pet? Here's what One12 Courtland Apartments 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.
About One12 Courtland Apartments
From the property listing:
One12 Courtland offers luxury student apartments in the heart of Atlanta, GA. Our studio, three, and four-bedroom apartment options provide you with the perfect off-campus living experience. Get the privacy you deserve with private bedrooms and bathrooms along with a spacious living area for entertaining, fully equipped kitchens, and an in-unit washer and dryer. But that's not all. Here at the One 12 Courtland, we offer many amazing amenities for your enjoyment.
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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