Atlanta, GA

The Flats at Summer Hill Apartments: Renters Insurance Guide & What It Actually Costs

Last updated Apr 16, 2026

Thinking about renting at The Flats at Summer Hill Apartments in South Atlanta? Rent here runs $1,550 – $1,650, and renters insurance adds about $18/mo. Below we break down which carriers are cheapest for this building and what the lease actually requires.

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29 Little St SE, Atlanta, GA 30315

South Atlanta

Built 1961 2 stories 12 units
3.6/5 ·196 reviews Google
Apt. Finder
$1,550 – $1,650 /month

Monthly Cost Breakdown at The Flats at Summer Hill Apartments

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

Total Monthly Cost $1,568 – $1,668
Base Rent $1,550 – $1,650
Est. Renters Insurance $18/mo

Renters Insurance at The Flats at Summer Hill Apartments

What Affects Your Premium Here

Every building is different. These factors specific to The Flats at Summer Hill Apartments can push your insurance cost up or down:

Older Building

Built in 1961 — older plumbing/electrical may increase risk

Open Access

No gated or controlled access — higher theft exposure

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

$221

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 The Flats at Summer Hill Apartments based on the rent level and building features.

Personal Property

What your stuff is worth

$30,000 recommended

If you own less

$20,000

If you own more

$50,000

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 The Flats at Summer Hill Apartments:

Carrier Monthly Annual
Lemonade $9/mo $110/yr
USAA $10/mo $123/yr
State Farm $14/mo $165/yr
Progressive $15/mo $178/yr
Safeco $15/mo $178/yr
Travelers $16/mo $192/yr
Allstate $17/mo $206/yr
Nationwide $17/mo $206/yr
Farmers $18/mo $219/yr
Liberty Mutual $21/mo $247/yr

Discounts You May Qualify For

Claims-free (if applicable)
-10%
Pay-in-full annual
-7%
Paperless/autopay
-3%
Multi-policy bundle
-10%

Next Step

See if you can beat $18/mo

4 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.

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.

Maintenance Issues Common topic
Theft Mentioned
Fire Mentioned

Flood Risk

Standard renters insurance does not cover flood damage. FEMA maps every property into a flood zone — here's what that means for The Flats at Summer Hill 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.

Amenities

Special Features

Grant Park Five Points Pet-Friendly Trendy Cafes Wash and Fold Laundry Service Interstate 75/85 Near Marta Station On-Site Laundry Facility Street Parking Zoo Atlanta Furnished Pet Friendly Interstate Accessibility Off-Street Parking Cafes Fine Dining Marta Bus Stop Nearby Trendy Shops

Community Features

Laundry Facilities Furnished Units Available Laundry Service

Floor Plan Amenities

Disposal Range Refrigerator Hardwood Floors Furnished

About The Flats at Summer Hill Apartments

Year Built: 1961
Stories: 2 stories
Units: 12
Phone: (470) 435-8433

From the property listing:

Charming 2-Bedroom Flat in the Heart of Summerhill – Move-In Ready! The Flats at Summerhill is where you will discover the perfect blend of urban charm and modern convenience at 29 Little St SE, Atlanta, GA 30315. The Atlanta neighborhood known as Summerhill offers a unique living experience of trendy cafes, city strolls and in town living and offers access to the Atlanta Beltline This 2 bedroom 1 bath apartment featuring stylish brick accent walls and contemporary finishes throughout. Includes on-site laundry facility, private parking, and plentiful street parking.

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 The Flats at Summer Hill Apartments require renters insurance?
We didn't find a public insurance requirement for The Flats at Summer Hill 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 The Flats at Summer Hill Apartments?
For this zip code and building type, expect to pay around $18/month ($221/year). For context, the statewide average is $13/month, so this building is above average.
What will I actually pay per month at The Flats at Summer Hill Apartments?
Plan for $1,568 to $1,668/month all-in. That's base rent ($1,550 – $1,650), plus roughly $18/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 The Flats at Summer Hill 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.
What floor plans does The Flats at Summer Hill Apartments offer?
There is 1 floor plan available, a 2-bedroom layout. Rent ranges from $1,550 – $1,650. 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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