Renters Insurance In Georgia

Renters insurance safeguards a tenant's personal property in their rented residence. Considering that 36% of residential dwellings in Georgia are rentals, over 1.6 million tenants need this coverage. Property damage or loss, temporary living costs in the event that a rented property is undergoing repairs, and liability coverage are commonly covered by renters insurance. Renters insurance can also protect personal property against theft.

Speak to a Georgia-licensed property insurance agent to get a renters insurance quote.

What is Renters Insurance?

Renters insurance in Georgia is a type of property insurance that covers accidents that happen inside your rental unit but are not caused by a structural issue. Your landlord is liable for any injuries caused by structural issues. In other words, renters insurance protects tenants from the financial implications of unexpected events like theft, personal property damage, and personal liability.

What Is the Point of Renters Insurance?

Renters insurance in Georgia is designed expressly to protect people who live in rented homes. It offers liability protection, coverage for damage to their property, and temporary loss of use of their rental property due to a covered loss.

As a tenant, you have no full control over your neighbors or their actions regardless of how cautious you are. For instance, they may fall asleep with a candle burning, which could ignite a large fire. This and many other risks may affect you, leaving you to pay out of pocket for what was not caused by you. Renters insurance in Georgia can cover unexpected events and pay for damage or losses due to such events.

What is Renters Insurance For?

In Georgia, renters insurance safeguards the personal property of people renting a home or an apartment from unforeseeable hazards. It covers additional living expenses if you have to move out of your rented home temporarily due to ongoing repairs. Renters insurance also covers costs that may result from third-party liability claims. Tenants are covered by renters insurance in case of fire, burst pipes, theft, and other similar incidents. If a risk covered by renters insurance causes a tenant to temporarily relocate to a new living space, loss of use coverage will pay for additional living expenses, such as housing and feeding. Your personal property is also covered by renters insurance while traveling and away from your home.

The highest proportion of rental properties in Georgia is in Chattahoochee County, where nearly 76% of residential dwellings are for rent.

Is Renters Insurance Per Person?

Yes. Only the person identified as the policyholder, or anyone related to or married to them, is covered by a renters insurance policy. If you reside in a shared rented apartment in Georgia and everyone contributes to the rent, it is essential for each person to purchase their own policy.

While renters insurance is not a requirement for all roommates, sharing your home with strangers increases the potential of theft.

Listed below are the advantages of purchasing your own renters policy:

• It makes filing claims for your things simpler. If your personal property gets damaged in a shared apartment, you cannot file a claim on another person’s policy unless you are listed on the policy
• If one of your roommates moves out, your insurance will still cover you. For instance, you would be responsible for paying out of pocket for the replacement or repair of your damaged personal property if you do not own a renters insurance policy when the policyholder vacates the apartment

What Are The Types of Renters Insurance?

The amount you will be reimbursed by your insurer after a covered event depends on the type of renters insurance policy you have. The two main types of renters insurance in Georgia are:

• All Risk Coverage: All risk coverage offers protection against all potential risks, except those that are expressly excluded by the policy. For instance, if a renter is covered by all-risk insurance and a fire breaks out, a claim may be made unless the fire was specifically listed as an exclusion in the policy. Certain natural disasters are frequently excluded under this coverage
• Named Perils Coverage: Named perils coverage offers remuneration or protection for particular occurrences listed in the policy document. For those who live in locations free of risks like earthquakes or floods, this form of coverage is advised. Policyholders have the option to limit coverage to risks that are of particular importance. For instance, If your named perils policy covers only fire, you will not be covered in the case of a flood, and vice versa

Do You Need Renters Insurance in Georgia?

Yes. Although renters insurance is not required by law in Georgia, it is very important. Renters insurance will save you from out-of-pocket payments on insurable risks. Renters insurance covers losses to personal property and provides liability coverage. Reach out to a knowledgeable property insurance agent to get a renters insurance quote.

Why Do You Need Renters Insurance?

You need renters insurance in Georgia to guard against potential financial losses from unforeseen risks in your leased apartment. For instance, if your home is broken into or your property is damaged, you can file a claim with your insurer if you have renters insurance.

According to the Georgia Bureau of Investigation (GBI), a burglary occurs in the state every 26 minutes, while larceny and theft are 5 times more frequent - happening every 5 minutes and 8 seconds.

Your renters insurance policy can be of help if you need to find temporary accommodation because your property was damaged or destroyed. It can also pay for legal services if you are sued for a third-party injury that occurred on your rented property.

How Much Renters Insurance Do You Need?

Consider how much it will cost to fix or replace items in your leased home in the case of a covered peril to determine how much renters insurance you need in Georgia. The insurance coverage you choose should be sufficient to cover the cost of the asset you want to protect and contain a fair amount of personal responsibility. Location, property size, deductibles, credit score, and even the number of safety and preventative features your home has may all determine how much renters insurance you need.

Most renters insurance policies in Georgia come with $100,000 of minimum liability coverage, which is typically enough for an average tenant. If you think that you need more, seek advice from a licensed insurance agent.

To save money, you may choose not to get burglary or theft coverage as a renter in a neighborhood with a low crime rate or in a well-secured building. In this case, you can select a specified or named perils insurance policy and list the risks that this policy should cover. This is because all risk coverage costs more than named-peril plans. Typical renters policy in Georgia can cost $25 - $55 per month, depending on the selected coverages.

Make sure to speak with a Georgia-licensed P&C insurance agent before you buy any insurance coverage, so they can advise on the most suitable and affordable renters policy for your needs.

What Renters Insurance Coverage Do You Need in Georgia?

There are three main coverage options for renters insurance in Georgia, and you may choose a single coverage type or negotiate a policy that combines multiple coverage types. Consult a certified insurance agent in Georgia for assistance in determining which coverages to add or eliminate based on your needs.

The three major coverage categories for renters insurance in Georgia are:

1. Personal Property
2. Liability
3. Loss-of-Use

• Personal Property Coverage: If your possessions were stolen or destroyed in a covered risk, your personal property policy will provide coverage, even if they are destroyed or stolen off your property. The following are covered by personal property coverage of a renters insurance policy:
  • Furniture
  • Clothing
  • Electrical appliances
  • Food
  • Jewelry
  • Artworks
• Liability Coverage: There are two parts to renters insurance liability coverage and they include:
  • Personal Liability Coverage: In the event that you are held accountable for another person's injuries or property damage, personal liability coverage will protect you. Your renters insurance policy will pay up to the maximum coverage limits in the event that you are held responsible for someone else's property damage or bodily injury. It can assist you in covering your legal costs if you are prosecuted for the damage or injuries in court
  • Medical Payments: If someone is hurt while visiting your rented apartment, your medical payments coverage will pay for the medical costs of treating them up to your coverage limits. Your medical payments coverage on your renters insurance policy may also cover you if you cause harm to a third party outside your rented apartment.
• Loss of Use Coverage: Loss of use (also known as the Additional Living Expense coverage) of your renters insurance policy can cover additional living expenses if a covered risk renders your residence uninhabitable. It will pay for your temporary accommodation, feeding, and other living expenses while your rented apartment is being repaired. However, loss of use coverage does not cover lost wages

Is Renters Insurance Required in Georgia?

No. Georgia does not have legislation requiring renters insurance, but some landlords may insist on it if you want to lease and live in their property. Since your landlord’s insurance does not cover damage to your personal belongings, it is typically a good idea to get at least renters insurance for additional protection.

How Does Renters Insurance Work in Georgia?

Renters insurance is a way to transfer risk from you to your insurance company. By accepting your premiums, your insurance company becomes liable to pay for a covered peril listed in the contract. A standard renters insurance policy offers three coverage options. Each coverage option covers different incidents. The following are the major coverage options you will find in most renters insurance policies:

Other coverage types can still be added to these basic ones.

Renters insurance in Georgia can be purchased as the Actual Cash Value policy (ACV) or Replacement Cost Value policy (RCV):

• ACV policy reimburses you for the damage or loss of property using the depreciated value of the items (the cost of the item when new minus the depreciation).
• RCV policy pays the amount that it will take to replace the lost or damaged property in its current condition.

Since it pays you more in case of a claim, RCV renters insurance is usually more expensive.

To find out more about how renters insurance works in Georgia and the suitable coverage options for you, speak to a licensed P&C insurance agent.

What Does Renters Insurance Cover?

In Georgia, renters insurance provides coverage for your personal properties in a rented property and covers legal fees and medical expenses for liability claims against a policyholder. Renters insurance primarily covers everything you own in a rented home. For instance, if you move into an already furnished apartment, your policy will not cover those fixtures because they belong to your landlord. Also, if your rental home is being repaired after a covered incident, your renters insurance policy can reimburse you for temporary lodging and living expenses. The insurance policy you have often determines the scope of protection and the things covered by the policy.

Renters insurance generally provides coverage for the following:

• Theft
• Vandalism
• Fire damage
• Temporary living expenses
• Legal fees
• Medical bills

What Is Renters Insurance Good For?

If you experienced a covered loss or damage in your rented apartment in Georgia, renters insurance would ensure that you do not bear the financial responsibilities of repairing or replacing damages or lost items. Expenses for staying in a different place while your rented apartment is being repaired can also be covered. If you are sued for an injury that happened in your home, renters insurance can also pay your legal costs. To find out more about the benefits of renters insurance in Georgia, speak with a licensed and knowledgeable P&C insurance agent.

What Does a Typical Renters Insurance Include?

Personal property, personal liability, and additional living expenses coverage are three key components of a Georgia standard renters insurance policy. Your renters insurance will protect you if a friend trips and gets hurt in your apartment. It will also protect you against fire damage and theft. Also, if a policyholder owns a pet and the pet bites a third-party, renters insurance will cover the medical bills and the legal fees if such a person decides to sue. Contact a qualified Georgia-licensed P&C insurance agent to understand what your renters insurance policy covers and its list of exclusions.

Who Is Covered By Renters Insurance?

Renters insurance in Georgia primarily protects the policyholder, their spouse, and any family members residing in the same rented apartment. Anyone under the policyholder's custody who is insured by their renter's policy is likewise covered. Third parties harmed in your house may also get assistance with medical costs from certain coverage types, such as liability protection.

Note: If the rented home has multiple unrelated tenants, in order for each roommate to have coverage, they all need separate renters policies.

Does Renters Insurance Cover - FAQ

Broadly, renters insurance protects the tenant’s personal property and covers their liabilities, in case someone gets hurt on the rental property. Let’s take a deeper at the coverages:

Does Renters Insurance Cover Damage to Property?

Yes. Renters insurance in Georgia provides coverage to the personal property listed in your policy. However, the amount of coverage you purchase, the exclusions, and the type of loss or damage will all affect the coverage extent.

Does Renters Insurance Cover Water Damage?

Yes. A standard renters insurance in Georgia provides coverage for water damage as a result of leaks, burst pipes, or accidental overflows. Renters insurance also covers damages caused by leaking home appliances. For instance, if your washing machine leaks and ruins your carpet in the process, renters insurance will cover the damages.

NOTE: Renters insurance will not cover water damage caused by a sewage backup or flood. You will need to purchase add-ons to include them.

Does Renters Insurance Cover Floods?

No. Renters insurance in Georgia does not cover damage to personal property due to flood. A separate flood insurance policy is required to cover flood damage in a rented apartment.

Flood insurance for rentals can be purchased through Georgia-licensed insurance agents licensed to sell the Federal Emergency Management Agency’s National Flood Insurance Program (NFIP) and other private flood insurers.

Does Renters Insurance Cover Theft?

Yes. A standard Georgia renters insurance covers theft of personal possessions in a rented home. If your renters insurance policy includes personal property coverage, it can replace any stolen personal belongings.

TIP: Maintain copies of purchase receipts and pictures of the items themself for all expensive property in your home. In case of a theft or damage, such records will help you expedite the proof of loss, proof of ownership, and the rest of the claim.

Does Renters Insurance Cover Theft from Car?

Yes, similar to homeowners insurance, your renters insurance policy in Georgia will assist you in covering the cost of stolen items from your car, up to the policy limits purchased.

Does Renters Insurance Cover Loss of Use?

Many people ask; can renters insurance cover rent? The answer is yes. Renters insurance in Georgia covers loss of use, and your insurance provider will pay for living expenses like temporary house rent and feeding costs if your rented home becomes uninhabitable after a covered event. A typical renters insurance policy will specify a cap on loss-of-use coverage amount. Renters insurance will also cover the cost of fueling your vehicle if you are moving from your uninhabitable apartment to a temporary lodging while repairs are ongoing.

Does Renters Insurance Cover Storage Units?

Yes. Renters insurance can cover your personal belongings in a storage unit as long as those items are mentioned under your renters insurance policy and are damaged by covered events

NOTE: Most renters insurance policies will only offer up to 10% coverage on personal belongings outside your rented home. However, you can extend the coverage amount.

Does Renters Insurance Cover Dog Bites?

Yes. Pet damage, like dog bites, is covered under the renters insurance liability coverage in Georgia. Your insurance company will help pay medical expenses of the bitten third party and legal fees if such an individual decides to sue. However, bites by certain dog breeds like Pitbulls are usually not covered because of their higher propensity to engage in behavior that can lead to claims.

The following breeds of dogs are most commonly excluded from renters insurance liability coverage in Georgia:

Akita

Bulldog

Chow Chow

Doberman

German Shepherd

Great Dane

Husky

Mastiff

Rottweilers, and others.

If you own any of these large and frequently aggressive breeds, speak with a Georgia-licensed insurance agent who can advise you on the possible options of rental liability coverage.

Does Renters Insurance Cover Moving?

Yes. If you have to move out of a rented home due to a covered incident in your Georgia renters insurance policy, the policy may cover the expense incurred while moving to another apartment.

NOTE: Renters insurance will not cover damages that occur while moving if it was caused by the moving company, which is why it is important to hire an insured moving company.

What is Not Covered by Renters Insurance?

Some hazards are often excluded from renters insurance in Georgia. They consist of:

• Water damage caused by external factors such as floods
• Vehicle damage
• Damage to the belongings of roommates and other residents not covered by the insurance
• Damage from earthquakes
• Damage to the structure of the building.

What Does Renters Insurance Typically Exclude?

In Georgia, exclusions in renters insurance are primarily based on the kind of coverage you choose and the agreed-upon coverage amount. The following are often excluded from renters insurance:

• Pests: A standard renters insurance policy does not provide coverage for pest infestations like bed bugs, cockroaches, and rats.
• Natural Disasters: Renters insurance does not provide coverage for natural disasters like floods, earthquakes, and sinkholes. If you live in an area prone to certain natural disasters, it is imperative to get specific disaster insurance to protect yourself and the personal belongings in your rented home
• Building Structure: The building structure, like the walls and fence, is the landlord’s responsibility and is not covered under renters insurance
• Vehicle Theft or Damage: While renters insurance will cover the stolen items from inside of a car, damage to the automobile is not covered under renters insurance policy. If you need coverage for your vehicle, you should purchase an auto insurance policy
• Roommates Property: Renters insurance will only cover the people named in the policy and their family. If your roommate is not named in your policy, they will receive no coverage
• Intentional Damage: If your property is deliberately destroyed, your renters insurance policy will not cover such damage
• Some Pets: Damage and injuries caused by large and frequently aggressive dog breeds are usually excluded from renters insurance coverage.

What is an Example of Renters Insurance?

Renters insurance policies in Georgia protect your possessions from theft, vandalism, or damage if you live in a rented home. For instance, if your art collection or expensive lawn mower are stolen, your renters insurance policy can replace them. Also, imagine that water from the faulty washing machine in your rented apartment damages your rug and other furnishings. Depending on your insurance plan, your renters insurance coverage can pay for the replacement or repair of the items in that situation. Your renters insurance coverage may cover the costs incurred if a house accident results in someone being hurt, and you are required to pay medical or legal costs if you are sued.

What Is The Most Common Use of Renters Insurance?

The two most common uses of renters insurance in Georgia are:

• To protect personal belongings inside a rented home
• To provide coverage in situations when a home becomes inhabitable due to a covered event and a policyholder needs to relocate temporarily.

What Is The Difference Between Renters Insurance and Homeowners insurance?

Renters insurance and homeowners insurance both provide financial coverage for the policyholders against legal liability costs, additional living expenses, third-party medical payments, and property damages. Homeowners insurance is for people who own their own homes, and it covers the structure of the home and their personal belongings inside the home. While renters insurance is commonly purchased by tenants, and it covers theft of and damage to their personal belongings in the rented apartment, but offers no financial protection to the apartment’s structure.

Do I Need Renters Insurance in Georgia? - FAQ

With over 1.6 million residences in Georgia as rentals, getting Rental insurance is the only way tenants can protect their belongings while residing in a property that does not belong to them:

Do I Need Renters Insurance If I Have Homeowners Insurance?

You typically do not need renters insurance if you own your own home and have homeowners insurance. Renters insurance is only necessary for tenants in Georgia. If you own a home that you are renting out, and in the meantime you are renting a place to live - you need renters insurance to protect your belongings in a residence that you do not own.

To find out more about your renters insurance coverage options, speak with a Georgia-licensed P&C insurance agent.

Do I Need Renters Insurance If I Live With My Parents?

If your parents carry renters insurance in Georgia and you reside with them, you do not need a separate renters policy. The family members of the insured who reside in the same rented apartment are also covered by the renters insurance policy. If you are a college student who lives on campus but visits your parents' rented home during the holidays, your parent’s renters insurance policy also usually protects you.

Do I Need Renters Insurance If My Roommate Has It?

Yes. It is advisable to get your own renters insurance policy in Georgia even if you share a rented apartment with someone who has a renters policy. Only the policyholder and their immediate family members who share the same residence are covered by renters insurance. However, your roommate can add you to their renters insurance coverage but may remove you from the list at any time without your foreknowledge. On the other hand, your roommate may include you as an equal partner in the insurance, in which case you will be equally accountable for any claims made by the roommate and cannot be removed without notice.

Do I Need Renters Insurance If I Live With My Boyfriend?

If you live with your boyfriend who has a renters insurance policy, you still need renters insurance if you are not included in your boyfriend’s policy. Some insurance companies in Georgia, nevertheless, could be open to giving you and your partner shared coverage.

Make sure to speak with a licensed property insurance agent who specializes in rental insurance coverage in Georgia.

Do I Need Renters Insurance If I Rent A Room?

Yes, you need renters insurance in Georgia if you rent a room because the property owner’s homeowners or landlord insurance policy may not cover your personal property in the event of an insurable incident. If you rent a room in a house that does not have adequate homeowners or landlord insurance, you will need to get renters insurance coverage.

Do I Need Renters Insurance If I Rent A House?

You do need renters insurance if you rent a house in Georgia, even if the home is covered by landlord’s insurance. Landlord’s insurance is exclusive to the property owner and safeguards their building structure, fixtures, and liabilities. You need renters insurance if you wish to secure your personal belongings and get your own liability protection in a rented house.

When Does Renters Coverage Begin?

Unless you choose to postpone the effective date intentionally, your renters insurance policy coverage in Georgia kicks in immediately after you purchase it.

Who Can Get Renters Insurance in Georgia?

Renters insurance is available to all tenants in Georgia who want to financially safeguard their personal belongings against unanticipated perils and third-party liability claims.Tenants in rented buildings or those who rent and occupy single rooms in a house may obtain renters insurance. To find out what kind of renters insurance coverage is available to you, your best bet is to speak with a Georgia-licensed P&C insurance professional.

Who Qualifies for Renters Insurance?

Anyone who rents a home in Georgia, whether an apartment or a house, through a lease or regular tenancy, is eligible for renters insurance. Family members who reside in a rented family home but are ineligible for coverage under their benefactor's renters insurance may also get renters insurance. Regardless of whether your parents' insurance covers you as a dependent, you may still purchase renters insurance if you rent a room in a building for additional protection for your belongings.

Renters insurance can also cover people who are not entirely tenants, but live in a house where their personal belongings are not covered under the homeowners’ insurance policy. For instance, if you live with a friend rent-free, in a home they purchased, you can purchase renters insurance for your personal belongings since you may not be named in their policy.

Who Needs Renters Insurance?

All tenants and lessors of residential property in Georgia need renters insurance to safeguard their personal property from unanticipated risks. Additionally, renters insurance shields a renter from third-party medical or legal liabilities. You may also need renters insurance in Georgia if your landlord requires it to rent out a home or an apartment to you. Any tenant, squatter, or visitor who wishes to have their personal property protected should consider getting renters insurance.

Who Should Get Renters Insurance?

In Georgia, you should purchase renters insurance:

• If your landlord requires it,
• If you are a tenant and wish to secure your personal belongings against damage due to unanticipated incidents, and
• If you want to protect yourself from possible liability claims that may occur on your rental property.

However, before you obtain renters insurance, consult with a Georgia-registered P&C insurance agent who can answer any questions you may have about renters insurance. A professional agent can advise you on the right coverages to purchase based on your needs.

What Are the Benefits of Renters Insurance?

In Georgia, renters insurance policy offers the following benefits:

• Renters insurance is usually inexpensive
• Renters insurance ensures that the policyholder will not have to pay for insured events such as unanticipated house accidents, mishaps, or thefts out of pocket
• Additional living expenses are covered if you have to move out of your rented apartment due to a covered risk
• You are protected if you have to cover third-party liability-related legal or medical costs

Speak with a Georgia-licensed P&C insurance agent to learn more about the benefits of renters insurance and how to find affordable coverage.

What are the PROs and CONs of Renters Insurance in Georgia?

While renters insurance protects the personal property of the renter, it does not provide as much protection as the policy that the owner of the home may be able to get.

PROs of Renters Insurance

Renters insurance offers the policyholder a number of advantages in Georgia. These include:

• Renters insurance is often cheap depending on coverage amount
• Renters insurance may be required by the landlord, purchasing it will help satisfy all the rental requirements
• When you travel, renters insurance may also safeguard your belongings
• Renters insurance could offer liability protection for injuries and incidents for which you are legally responsible
• Renters insurance can help pay for losses or damage to personal possessions in a rented home
• If your rented home is damaged or unlivable for a short while, renters insurance may cover additional living expenses like your hotel room and feeding costs.

CONs of Renters Insurance

Although renters insurance has several benefits in Georgia, It has some drawbacks:

• Due to coverage limits and exclusions in renters insurance, you may not have enough protection
• Your renters insurance policy can easily become expensive if you add valuable items under your coverage. For instance, if you own a one-of-a-kind piece of artwork, it may significantly increase your premiums
• It could be expensive to purchase replacement value coverage for your renters insurance
• Renters insurance may cost higher for people with poor credit ratings

It is imperative to consult with a duly licensed P&C insurance agent in Georgia to ensure you purchase a policy that offers adequate coverage at an affordable rate.

Is Renters Insurance Worth Buying in Georgia?

Yes, renters insurance is worth purchasing in Georgia, especially if you live in a rented home and wish to protect your property from unforeseen losses and damage. It also offers financial alternatives in the event that you are held liable for someone else's injuries in your apartment due to your negligence and must cover their legal or medical costs. Speak with a Georgia-licensed P&C insurance agent to learn more about the value of renters insurance and the many advantages it provides tenants.

What Happens If You Don’t Have Renters Insurance in Georgia?

If any damage or theft occurs to your belongings at your leased property in Georgia, you may be forced to repair or replace them out of pocket if you do not have renters insurance. Similarly, if you are accountable for an injury that occurs on your rented property and you do not have renters insurance, you will cover the medical expenses and the legal fee if the person decides to sue.

Why is Renters Insurance Important in Georgia?

Renters insurance in Georgia is important because it protects renters’ personal property against insurable perils and can cover liability claims. It prevents you from having to pay for the replacement or repair costs of stolen or damaged property covered by your policy.

What Happens When Your Renters Insurance Lapses?

In Georgia, you can keep your renters insurance coverage in force by timely paying your premiums. Otherwise, the policy will lapse, and you will lose coverage. However, prior to the expiration of your insurance coverage, your insurance company is obligated to give you a month's notice.

Check your renters insurance for the grace period term if your coverage has expired. Most Georgia insurance policies offer policyholders 30–31 days to make payment after the due date and maintain the coverage. A Georgia-licensed P&C insurance agent can assist you to understand your duties under the policy and advise you on what to avoid so that your policy does not lapse.

Which Renters Insurance to Buy?

Before purchasing renters insurance in Georgia, you must first determine how much coverage you need. How much personal property you own in a rented home and how much risk you can take will determine which renters insurance to buy. While the value of your assets may increase more quickly than you might anticipate, you need to keep an accurate inventory to make sure that everything is covered.

• ACV vs. RCV: Replacement cost value (RCV) renters insurance policies pay the actual cost of replacing your personal property subject to your policy limits after a covered event. On the other hand, actual cash value (ACV) policies pay to replace your personal possessions after considering depreciation. Make sure to ask your insurance provider the kind of coverage they offer because ACV coverage is usually less expensive than RCV coverage.

Before settling for a home insurance company while trying to buy renters insurance in Georgia, make sure to obtain quotes from multiple insurers and compare rates. Moreover, you want to look at more than simply prices. Even similarly priced renters insurance policies can differ greatly in terms of what they cover. Compare policies with comparable terms and coverage amounts to be sure you are making accurate comparisons and getting the most out of your policy. The best renters insurance plans are cost-effective without sacrificing coverage, and they have a track record of being financially stable and popular with customers.

Having renters insurance in Georgia can save you a lot of money in the event of a covered peril. It is important to consult with a licensed P&C insurance agent before purchasing your renters insurance policy to ensure that the policy will serve its purpose.

Speak to an agent to get a renters insurance quote today.