Renters Insurance at The Howell Apartments
We found a few insurance details on The Howell Apartments's website. Your lease may have additional requirements — treat these as a starting point.
Lease Requirements
* An "interested party" is the property management company listed on your insurance policy. It doesn't give them any claim rights — it just means they get notified if your policy lapses, which is how the leasing office verifies you stay insured.
One thing to watch for: when you purchase your policy, most carriers have a field where you add the property as an interested party — skip that step and your proof may get rejected. It takes 30 seconds during checkout. Start a quote to see which carriers handle this automatically.
What Affects Your Premium Here
Every building is different. These factors specific to The Howell 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
Dog-Friendly
Dogs allowed — consider higher liability coverage
Vehicle Crime
2 mentions of car theft, vandalism, or break-ins 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
$14
Est. Monthly
$168
Est. Annual
$13
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 The Howell Apartments based on the rent level and building features.
Personal Property
What your stuff is worth
If you own less
$20,000
If you own more
$50,000
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 The Howell 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
Next Step
See if you can beat $13/mo
6 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. The Howell Apartments also has on-site security features (Package service, Controlled access, Gated, 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 The Howell 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.
1850 Howell Mill Rd NW, Atlanta, GA 30318
Buckhead
Monthly Cost Breakdown at The Howell Apartments
The listed rent isn't the whole number. Here's what The Howell Apartments actually costs each month once you add required fees and insurance.
Fees Beyond Rent
These are the additional charges beyond base rent at The Howell Apartments. Some are monthly, some are one-time — all of them affect your actual cost of living here.
Required Fees
Community Amenity Fee
Fee for access to shared resident amenities and facilities. Charged per unit.
Utility Water / Wastewater Admin Fee
Covers administrative costs associated with billing and managing water utility services. Charged per unit.
Trash Services - Doorstep
Fee for doorstep trash and recycle pickup service. Charged per unit.
Parking Fee
Fee for reserved or designated parking space use and maintenance Charged per unit.
Pest Control Services
Regular pest prevention and treatment services. Charged per unit.
Cable TV / Internet Services
Community-provided cable TV and internet services Charged per unit.
Common Area Utilities
Shared utility costs in community common areas. Charged per unit.
Access Device
Electronic or physical key for secure entry to the communityand/or home. Charged per unit.
Pets Fees
Pet Fee
| Restrictions: None
Pet Rent
Max of 2. monthly charge for keeping a pet in the home. Charged per pet.
Addons Fees
Rent Payment Credit Building Service
Build credit by paying rent on time while gaining access to personalized budgeting tools and financial education resources. Charged per unit.
Amenity / Clubhouse Rental Fee
Fee for reserving the community clubhouse for events or gatherings. Charged per unit.
Amenity / Clubhouse Rental Deposit (Refundable)
Refundable deposit for potential damages during a clubhouse rental. Charged per unit.
Situational Fees
Pet / Animal Lease Violation
Fee issued for unauthorized pets or violations of pet policyCharged per unit.
Pet Policy
Bringing a pet? Here's what The Howell 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 The Howell Apartments
From the property listing:
Discover upscale living at The Howell, a luxury apartment community in Atlantas Upper Westside. Choose from spacious 1-, 2-, and 3-bedroom floor plans featuring quartz countertops, stainless steel appliances, walk-in closets, and private balconies in select homes. Enjoy resort-style amenities including a pool, fitness center, coworking space, pet spa, and a stunning sky lounge with city views. Located on Howell Mill Road, The Howell offers easy access to I-75, Buckhead, Midtown, and top local dining and shopping. Schedule your tour today!
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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