Home and auto insurance in Alpharetta, GA
We're based in Alpharetta. Most of the homes here went up in the 1990s and 2000s, and that age shapes which coverage matters most on a homeowners policy.
- Your dwelling limit checked against today's rebuild cost
- Your quote built around what you want covered
- Home and auto bundled when it saves you money
Alpharetta by the numbers
The homes here, and what that means for coverage
Source: U.S. Census Bureau, American Community Survey 2024 5-year estimates, city of Alpharetta.
Homes from 1990 to 2009 need a roof and water check
A house built in 2000 is 26 years old. It's due for a second roof if it hasn't had one, and the original water heater and supply lines are past their expected life. We look at two things first: whether the policy pays full replacement on an older roof or a depreciated amount, and how it handles sudden water damage and tear-out.
Set the dwelling limit from rebuild cost
The median Alpharetta home is valued at $649,000, and that number includes the lot. Your dwelling limit should be set on what it costs to rebuild the house itself. On our rebuild calculator, a 1,500 square foot, one-story, builder-grade home on a slab in Fulton County comes to about $348,000. The same house in Cherokee County comes to about $315,000.
Check liability against your net worth
With home values here, home equity alone can push a household's net worth past the liability limit on a typical auto or home policy. Our guideline is liability equal to 2.5 times household income or net worth, whichever is greater. An umbrella usually closes the gap.
Free tool
What would your Alpharetta home cost to rebuild?
Our calculator uses Fulton County construction costs. Enter your square footage and finish level and check the result against Coverage A on your policy.
Run the rebuild calculatorAuto in Georgia
State minimum: 25/50/25
That's $25,000 per person and $50,000 per accident for injuries you cause, and $25,000 for property damage. Most households need more. Our guideline is liability equal to 2.5 times household income or net worth, whichever is greater.
Georgia offers two kinds of uninsured motorist coverage. Add-on UM stacks on top of the at-fault driver's liability. Reduced-by UM subtracts it. Add-on is the default and pays more; choosing reduced-by takes a signed rejection.
Find your liability number →Send us your current policy
We'll go through it with you, explain what it pays for and what it doesn't, then build a quote around what you want covered. If yours already covers what matters to you, we'll say so.