Renters Insurance at Villas of Hope Apartments
What Affects Your Premium Here
Every building is different. These factors specific to Villas of Hope 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 Villas of Hope Apartments based on the rent level and building features.
Personal Property
What your stuff is worth
If you own less
$15,000
If you own more
$40,000
Liability
Covers accidental harm & lawsuits
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 Villas of Hope 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 $18/mo
4 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. Villas of Hope Apartments also has on-site security features (Property manager on site) that insurers recognize with discounts.
Source: FBI UCR Program, Atlanta (2024-12 to 2025-11)
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 Villas of Hope 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.
385 Holly St NW, Atlanta, GA 30318
Westside Atlanta
Monthly Cost Breakdown at Villas of Hope Apartments
The listed rent isn't the whole number. Here's what Villas of Hope Apartments actually costs each month once you add required fees and insurance.
Fees Beyond Rent
These are the additional charges beyond base rent at Villas of Hope 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.
Amenity Fee
Charged per unit.
Administrative Fee
Charged per unit.
Pet Policy
Bringing a pet? Here's what Villas of Hope Apartments allows. Standard renters insurance typically covers pet-related incidents, so you usually won't need any add-on coverage for a cat.
About Villas of Hope Apartments
From the property listing:
Villas of Hope offers a cozy and comfortable living experience. Located within the Grove Park neighborhood of Atlanta, Georgia, this community consists of several indoor and outdoor amenities and features to meet your needs and comfort. Our classic community blends well with its green, manicured landscape to provide an optimal recreational enjoyment. The community is within a short driving distance from the Grove Park Recreation Center and Westside Reservoir Park.
Frequently Asked Questions
Does Villas of Hope Apartments require renters insurance?
How much is renters insurance at Villas of Hope Apartments?
What will I actually pay per month at Villas of Hope Apartments?
Does Villas of Hope Apartments allow pets?
How safe is the area around Villas of Hope Apartments?
What floor plans does Villas of Hope Apartments offer?
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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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