Renters Insurance at The Local on 14th Apartments
We found a few insurance details on the The Local on 14th Apartments 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 Local on 14th 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
Security System Issues
1 mention 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
$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 Local on 14th 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
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 The Local on 14th 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 Local on 14th Apartments also has on-site security features (Package service, Controlled access, Property manager on site, Gated) 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.
What residents talk about most
Management
Consistently positive in reviews
“They are also very helpful and welcoming whenever I need them.” — Google reviewer
On-Site Security
Natural Hazards & Your Renters Coverage
Renters at this address have one borderline natural-hazard decision to make: whether to buy an earthquake endorsement on top of a standard policy. USGS rates the area as moderate seismic hazard. Flood and severe weather aren't standout concerns. Below is what each agency actually shows.
Flood damage
This address is in one of FEMA's lower flood-risk classifications. Standard renters policies don't cover flood damage anywhere, but in low-risk zones the cost of a separate NFIP policy generally isn't justified by the expected loss. The detail is below mostly for completeness.
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.
Earthquake shaking
The seismic picture is in the middle: damaging earthquakes are uncommon but not negligible. Renters insurance excludes earthquake damage regardless, so the choice is whether the modest cost of an endorsement is worth the modest probability of a payout. The data point below provides the specifics.
Moderate seismic hazard · ground motion 0.09g
Endorsements priced for renters typically run under $100 a year and only cover personal property. Whether it pays back depends on the value of what's in your unit.
Hazard data from USGS National Seismic Hazard Model. The ground-motion figure is the level USGS expects to be exceeded with about 2% probability over a 50-year horizon — the standard reference used in building codes.
Severe weather you'd actually claim for
This is the part of the natural-hazard picture where renters insurance actually pays out. NOAA records around 24 severe-weather events a year in Fulton County. Damage to personal property from wind, hail, and storms is covered by a baseline policy — the historical record below is more about understanding what your policy will actually be used for than identifying a coverage gap.
Severe-weather damage to personal belongings is covered without an endorsement on every standard renters policy. The frequency above is part of why carrying the coverage matters here, not a reason to add anything extra.
Source: NOAA Storm Events Database, annual averages from the past five years for Fulton County. Counts reflect reported events, not damage amounts.
The earthquake endorsement is the only meaningful optional add-on at this kind of address. Whether it's worth the premium depends on what's actually in your unit.
455 14th St NW, Atlanta, GA 30318
West Midtown Atlanta
Monthly Cost Breakdown at The Local on 14th Apartments
The listed rent isn't the whole number. Here's what The Local on 14th 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 Local on 14th 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.
Application Fee
Charged per applicant.
Amenity Fee
Charged per unit.
Package Fee
Charged per unit.
Administrative Fee
Charged per unit.
NSF/Return Item Fee
Charged per unit.
Remote Fee
Charged per unit.
Pets Fees
Pet Fee
Dog
Pet Rent
Charged per pet.
Parking Fees
Parking
Charged per vehicle.
Situational Fees
Month-to-Month Fee
Charged per unit.
Pet Policy
Bringing a pet? Here's what The Local on 14th Apartments allows. Standard renters insurance typically covers pet-related incidents, so you usually won't need any add-on coverage for a cat.
About The Local on 14th Apartments
From the property listing:
Live the life you want at The Local on 14th. Featuring stunning studio, one, two and three bedroom apartment homes in Atlanta's West Midtown neighborhood, The Local is at the pulse of the city's best restaurants, shopping and more, including the Westside Provisions District, Ormsby's, The Interlock and Georgia Tech. With the neighborhood's distinctive character and our apartment community's premier homes, The Local is the ideal spot for creating the life you want. Be You. Be Local.
Frequently Asked Questions
Does The Local on 14th Apartments require renters insurance?
How much is renters insurance at The Local on 14th Apartments?
What will I actually pay per month at The Local on 14th Apartments?
Does The Local on 14th Apartments allow pets?
How safe is the area around The Local on 14th Apartments?
What floor plans does The Local on 14th Apartments offer?
Is SafeButler affiliated with The Local on 14th Apartments?
What is SafeButler and how does it work for The Local on 14th Apartments renters?
Real quotes · under a minute
Ready to lock down coverage at The Local on 14th Apartments?
I'll line up top carriers side by side — pre-filled for this building so the proof of insurance is one click away.
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.
SafeButler Inc. strives to ensure that the information on this site is up to date, but we will not be held liable for any delays, inaccuracies, errors, or omissions. This site and all materials contained on it are distributed and provided "as is" and "as available" for use. SafeButler.com makes no representations or warranties of any kind, express or implied, as to the operation of this site or to the information, content, materials, or products included on this site. You expressly agree that your use of this site is at your sole risk.