Home and auto insurance in Decatur and North Decatur, GA
This page covers the city of Decatur (30030) and the unincorporated neighborhoods with Decatur addresses to its north, including North Decatur and North Druid Hills (30033). Many homes here are older, values are high, and 38% of households rent.
- 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
Decatur and North Decatur by the numbers
The homes here, and what that means for coverage
Source: U.S. Census Bureau, American Community Survey 2024 5-year estimates, ZIP codes 30030 and 30033 combined.
Ordinance or law coverage matters on older homes
About 1 in 3 homes here was built before 1960. When an older house is damaged, the repair has to meet today's building code, and a standard policy pays only a limited amount for those upgrades. Ordinance or law coverage raises that amount. On a house this age, we usually recommend it.
Ask about the wiring
In 30030, about 1 in 6 homes was built before 1940. Houses from that era were often wired with knob and tube, and some carriers won't write a home that still has it in use. If your house was rewired, tell us when. The same goes for the plumbing and the electrical panel.
Rebuild cost and liability at these values
Median home values run from $455,300 in 30033 to $631,500 in 30030. On our rebuild calculator, a 1,500 square foot, one-story, builder-grade home on a slab in DeKalb County comes to about $348,000. Set the dwelling limit from rebuild cost, then check liability against our guideline: 2.5 times household income or net worth, whichever is greater.
Renters need their own policy
More than 1 in 3 households here rents. Your landlord's policy covers the building only. A renters policy covers your belongings and your liability if a guest gets hurt, and it pays for a place to stay if a covered loss makes your home unlivable.
Free tool
What would your Decatur home cost to rebuild?
Our calculator uses DeKalb 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.