Renters Insurance at The Kirkwood Apartments at Edgewood
The Kirkwood Apartments at Edgewood's website asks for at least $100,000 in liability coverage, and you'll need to add the property as an interested party on your policy. any licensed carrier that meets these minimums will be accepted.
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.
In The Kirkwood Apartments at Edgewood's own words:
"Yes, we require Renter's insurance with personal liability for $100,000."
"It is not an INSURANCE policy - It is a "A Liability Waiver". Sign up for the discounted protection program ($8/month) along side with renters insurance for FULL Coverage! Be proactive in case of any unintentional accident occurs, so you are not financially responsible for the gap of what your insurance will not cover. Remember insurance companies will take "depreciation" into account. Please visit www.ProtectTheApartment.com lo learn more and read real stories."
"Policies and Procedures: Renter’s Insurance: Pursuant to the Georgia Apartment Association lease, specifically paragraph 15, Property Loss: management is not liable for any loss of any kind to resident’s personal property. Resident must purchase comprehensive property insurance for protection of loss of property. Verification and documentation will be required prior to move-in to insure compliance of this procedure. The policy must include the property name as additional insured."
What Affects Your Premium Here
Every building is different. These factors specific to The Kirkwood Apartments at Edgewood 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
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
$155
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 The Kirkwood Apartments at Edgewood 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
Lease minimum
What this community requires
We recommend
Minimum rarely covers an actual lawsuit
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 Kirkwood Apartments at Edgewood:
| Carrier | Monthly | Annual |
|---|---|---|
| Lemonade | $8/mo | $96/yr |
| USAA | $9/mo | $108/yr |
| State Farm | $12/mo | $144/yr |
| Progressive | $13/mo | $156/yr |
| Safeco | $13/mo | $156/yr |
| Travelers | $14/mo | $168/yr |
| Allstate | $15/mo | $180/yr |
| Nationwide | $15/mo | $180/yr |
| Farmers | $16/mo | $192/yr |
| Liberty Mutual | $18/mo | $216/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. The Kirkwood Apartments at Edgewood also has on-site security features (Package service, Controlled access, Property manager on site, Gated, 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 The Kirkwood Apartments at Edgewood.
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.
71 Howard St SE, Atlanta, GA 30317
Eastside Atlanta
Monthly Cost Breakdown at The Kirkwood Apartments at Edgewood
The listed rent isn't the whole number. Here's what The Kirkwood Apartments at Edgewood actually costs each month once you add required fees and insurance.
Fees Beyond Rent
These are the additional charges beyond base rent at The Kirkwood Apartments at Edgewood. Some are monthly, some are one-time — all of them affect your actual cost of living here.
Required Fees
Protect The Apartment
By enrolling in one of the Protect the Apartment Levels, Wesley Apartment Homes and you are cooperating together to eliminate problems that can arise because of the absence or inadequacy of insurance. Charged per unit.
Home Essentials Bundle
Pass Through Reimbursement Bundle includes Pool & Courtesy Officer, Pest Control Fee, Trash Fee, Package Handling Fee, and Community Liability Reimbursement. Charged per unit.
Utility - Water/Sewer
Charged per unit.
Utility - Electric
Charged per unit. Payable to 3rd Party
Renters Liability Insurance
Charged per resident. Payable to 3rd Party
Application Fee Per Applicant
Charged per applicant.
Administrative Fee
Charged per unit.
Water Activation Fee
Charged per unit.
Security Deposit - Refundable
Charged per unit.
Pets Fees
Dog Deposit
Charged per pet.
Dog Fee
Charged per pet.
Dog Rent
Charged per pet.
Cat Deposit
Charged per pet.
Cat Fee
Charged per pet.
Cat Rent
Charged per pet.
Parking Fees
Parking Fee
Charged per vehicle.
Pet Policy
Bringing a pet? Here's what The Kirkwood Apartments at Edgewood 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 Kirkwood Apartments at Edgewood
From the property listing:
Discover The Kirkwood Apartments, a brand-new mid-rise apartment community located in Atlantas Kirkwood neighborhood. Situated on Howard Street, The Kirkwood offers modern apartment living that blends urban convenience with the charm of an established intown community.Residents enjoy more than 10,000 square feet of amenities, including a resort-style swimming pool with sundeck, cabanas, and grilling areas, a fully equipped fitness center, billiards lounge, and an outdoor social lounge with flat-screen TVs.
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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