Georgia Renters Insurance

Find the right renters insurance policy for you. Author Icon Written by Trusted Choice Author Icon
Written by Trusted Choice

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There are many reasons why people in Georgia choose to rent a home. Some find renting more affordable, some prefer to avoid the hassles of homeownership, and still others like the convenience of temporary living arrangements. The average renter moves in with more than $10,000 worth of belongings. A Georgia renters insurance policy can protect you from loss.

As with most other types of coverage, it is a good idea to shop around for the best plan and a budget-friendly price. An independent insurance agent in the network can provide you with policies from multiple insurance companies and can answer all of your questions. 

  • Estimated number of Georgia rental units: 1,000,000
  • Percentage of Georgia homes that are rented apartments: 11%
  • Average yearly Georgia renters insurance premium: $218
  • Average U.S. renters personal property replacement value: $20,000

The value of your personal property may be higher than you think. If a fire destroyed all of your clothes, furniture, and electronics, you might have a hard time replacing everything out of pocket. Additionally, as a renter, you can be liable for injuries to guests inside your apartment, so it’s a good idea to have some liability coverage in place, which many renters insurance policies will provide.

Why Purchase Georgia Renters Insurance?

When an unexpected catastrophe strikes, whether that’s a fire, severe weather, falling objects, or a break-in, your landlord is only responsible for fixing the structure of the building you live in. Any of your personal property that’s stolen, damaged, or destroyed is your responsibility to replace. Renters insurance can make it easy to get the funds you need to start again after a loss.

There are other benefits built into renters insurance that extend beyond replacing belongings. For example, some policies may give you coverage for fraudulent credit card charges, or for charges of slander and libel from third parties.

Georgia Renters Insurance Provides Liability Coverage

Liability insurance comes along with most renters insurance policies. This coverage will cover you if you are responsible for a bodily injury to a guest in your home. It also protects you from the costs of injuries or property damage caused by your children or pets. For example, your child may accidently break a neighbor’s window while playing baseball or your pet may get loose and bite a mailman.

When these things occur, your liability insurance can provide compensation so that you do not face financial hardship or even bankruptcy.

Georgia Renters Insurance Protects against Property Crimes

Statistically speaking, renters are more likely to experience burglaries than homeowners. If the home you are renting is broken into, thieves could take your most valuable possessions. Items most frequently stolen include cash, jewelry, and electronics.


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Georgia Burglary Statistics

  • National average number of burglaries per 1,000 homes: 3.76
  • Georgia average number of burglaries per 1,000 homes: 4.31

If your home is burglarized, you should first secure your own safety and then contact the police immediately. Make an itemized list of your missing property and request a copy of the police report. You will need both when filing a claim. If you purchased your policy through an agent in the Trusted Choice network, you can call that agent for assistance throughout the claims process.

How Much Does Georgia Renters Insurance Cost?

Renters insurance typically costs less than $20 a month, yet more than half of all renters forego this coverage. There are many factors that can affect how much your policy will cost, but generally speaking, policy rates are consistently low.

Factors that influence the cost of your policy can include:

  • The location of your rental home, taking into account the property crime rate
  • Whether or not you have pets
  • Whether or not you smoke in your home
  • Your credit and claims history
  • The value of your personal property
  • The amount of your deductible
  • The insurance company you choose

You may qualify for policy discounts if you bundle additional policies, such as car insurance, with the same provider, or if you elect to allow for automatic payments from your bank account each month. Be sure to ask about discounts when obtaining policy quotes.

Compare Georgia Renters Insurance Quotes

Renters insurance is inexpensive, but you will want to be certain that you are not overpaying for your policy. Most insurance experts recommend that you obtain a minimum of three quotes before selecting a provider. An independent agent in the Trusted Choice network can assist you by obtaining a variety of policy quotes for you to review.

Member agents have offices in more than 27,000 locations nationwide, and many of them are right here in Georgia. Every agent in the Trusted Choice network has signed a pledge to provide customers with ethical advice and exemplary service. See what a member agent can do for you. Talk with a friendly independent agent to start comparing Georgia renters insurance quotes.

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