Best Renters Insurance Georgia
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Location is the #1 factor in determining the cost of your renter’s insurance.
So it makes a lot of sense for you to search Best Renters Insurance Georgia if you need a policy.
However, a Georgia Renters Insurance search can take a lot of time and leave you frustrated with unanswered questions.
But, it doesn’t have to be that way.
Finding cheap GA Renters Insurance can be a simple process that can be completed online today in just a few minutes.
We’ll review everything you need to know about the cost and coverage's and where to get the best Renters Insurance in Georgia online.
2021 Georgia Renters Insurance Review
Georgia has a fairly middle-of-the-road number of renters, hovering at about 11%, so it makes sense that renters insurance isn’t required at the state level. That being said, landlords are allowed to make it a requirement as part of their individual lease.
Options for coverage in Georgia are pretty diverse; policies from the best companies nation-wide are available in the state. The typical GA renters insurance policy doesn’t cover personal property damage but will cover losses due to fire, theft, or vandalism.
The average cost of renters insurance in Georgia is about $18 per month, but this can vary county to county.
What Factors Determine A Georgia Renters Insurance Rate?
The size and security of the unit being insured are major factors for Georgia renters insurance rates. Though it sounds a bit backwards, generally, the bigger the property, the less you’re going to pay in premiums. Your rate will also be lower if you’ve got security features like an alarm system or gated entrance.
The amount of things you have and how much they’re worth individually can also affect your renters insurance rate in Georgia. Having more, and more obvious, high-value possessions, such as large televisions, electronics like gaming consoles and laptops, or fine art pieces, can make your property more of a target, and therefore higher risk, meaning your premium will go up.
Renters Insurance Starting at $5/month
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Can A Landlord In Georgia Require Renters Insurance?
It doesn’t matter if you live in Atlanta, Columbus, or Augusta, landlords can be a pain.
A question we are often asked by soon to be tenants, is, ‘Can a landlord in Georgia require renters insurance?’
The simple answer is Yes.
If GA renters insurance is included as a requirement in your lease, you must comply with those terms and buy rental coverage.
This isn’t necessarily a GA thing because the answer to, ‘Is renters insurance required in Georgia?’ It is the exact opposite.
No, Georgia does not require renters insurance, but with 11% of people in Georgia renting, it makes a lot of sense to protect your self and your stuff.
A good place to start would be by determining What Is Renters Insurance And Why Do I Need It.
FREE Renters Insurance Quotes - GA - Cities
Location is the biggest factor in determining the cost of your renters insurance. You can save money by getting a quote from an insurance company near you.
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What Is The Best Renters Insurance In Georgia?
It is estimated that the State of Georgia has over 1,122,930 renters, and every one of them should be looking for the best renters insurance in GA.
GA has the best renters insurance options offered by multiple, well known, and respected insurance companies.
It doesn’t matter if you are in Atlanta or Columbus to get the best GA renters insurance you will want to get the right coverage.
Several factors go into finding the best renters insurance in Georgia that will affect your policy.
Your past insurance history, desired coverage amounts, the location of the rental, and this one may come as a bit of a surprise, but your credit score may also be considered.
You can learn more about the process in our article, How To Get Renters Insurance.
Which Companies Offer Renters Insurance In Georgia?
Best Renters Insurance Company Reviews
What Does Renters Insurance Cover In Georgia
Many GA residents in Savannah and Athens-Clark County mistakenly believe that their Landlord’s insurance protects their personal items.
This is not the case and is the reason you need to know, ‘What does renters insurance cover in Georgia.’
GA Renters Insurance covers personal loss due to fire, theft, or vandalism.
A Georgia Renters Insurance policy will also cover your liability if a guest is injured on-premises or you damage the Landlord’s property.
A Renters Insurance Georgia policy does not cover your personal possessions that may break by accident or normal wear or tear.
Get a much more complete answer to in our article, What Does Renters Insurance Cover.
Coverage Type | What It Should Cover... |
|---|---|
Personal Property | This coverage is for your personal stuff, clothes, electronics, furniture, etc. Should cover up to policy limits. |
Liability | This will cover you if you accidentally damage your Landlords property or a guest is injured and it is your fault. |
Additional Living Expenses | If your place is damaged so bad you can't stay, you will be reimbursed for things like hotel bills. |
Recommended Amount Of Renters Insurance In Georgia?
It is difficult to recommend the amount of Georgia renters insurance you may need.
This is because the factors that go into deciding on your coverage amounts are particular to each individual.
Location plays a significant factor in the recommended amount of renters insurance in Georgia.
This is because if you live in Atlanta, Columbus, or Augusta, you may need more or less based on the value of the property you are renting.
The bottom line is you should probably buy as much insurance as you can comfortably afford based on the value of your personal possessions.
We get a lot more in-depth in helping you make this decision in our article How Much Renters Insurance Do I Need.
How Much Is Renters Insurance In Georgia
The cost of renters insurance in GA depends primarily on your coverage's and the location of your rental.
Answering the question of, ‘How much is renters insurance in Georgia’ would be difficult without knowing your personal situation and preferences.
However, renters insurance Georgia costs on an average annual basis of $219.00.
The average cost of renters insurance in Georgia monthly is $18.25, which is very affordable.
Keep in mind to determine how much is renters insurance in GA your rental location could make these average costs much higher or lower.
Renters Insurance Starting at $5/month
No brokers, no paperwork, get a policy in seconds. Zero Hassle, zero paperwork, zero worry. Join now! Starting at $5/month.
It's free to apply!
Cheapest Renters Insurance GA
It would help if you didn’t live in places like Atlanta, Columbus, and Athens-Clark County to get the cheapest renters insurance in Georgia.
Location plays a huge role if you want to get cheap renters insurance GA.
That means places like Augusta and Savannah may be cheaper because the property values should be less.
Two other factors will help you get the cheap renter’s insurance Georgia, which includes your insurance claim history and your credit score.
If you are living in a relatively cheap property with no rental claims and a good credit score, expect the cheapest renters insurance in GA.