Renters Insurance in GA

One of the perks of renting is that you’re not financial for the vast majority of the most common unfortunate events that damage a home. Yes, you have to pay if you directly cause damage, but a lot of the costs of being a homeowner are placed on the landlord.

However, that doesn’t mean you don’t need insurance. It’s actually crucial for protecting yourself.

Renter’s insurance in Georgia can protect your belongings even though the homeowner has the house covered , compensate you if you’re a victim of theft, or even protect you from liability if you do cause damage to the property.

Why Do You Need Renter’s Insurance in Georgia?

As we said, the landlord is responsible for their house in the vast majority of situations. If a storm rips the roof off or the plumbing needs to be fixed due to age, you’re not responsible for that.

However, that isn’t the comprehensive protection you might think it is. Sure, you’re not on the hook for the house, but the landlord’s insurance doesn’t cover any of your stuff. What if a fire breaks out? The landlord will have the property covered, but all the items you lost are your responsibility. What if you invite a guest over, and they slip on some toys your child left out? Now, they want to sue you. Your landlord’s insurance doesn’t cover those things. You do.

Those are the types of situations that make renter’s insurance so crucial.

What Does Renter’s Insurance Cover?

Renter’s insurance covers a wide variety of things.

• Personal Property: This includes things such as your expensive electronics, furniture and clothing, and other personal items of value and necessity.
• Liability Coverage: This protects you financially if someone is injured in your rented home.
• Medical Payments: This covers the medical bills for guest injuries regardless of who is at fault.
• Loss of Use: This covers the cost of temporary housing and hotel stays if you’re suddenly unable to use the rented space due to damage or something similar.
• Optional Add-Ons: Flood insurance and coverage for specific high-value items within the property are also available.

How Much Coverage Do You Need?

Take a moment to think about exactly how much your belongings are really worth. Not just in monetary value. While that’s important for determining how much coverage you need, you also need to consider sentimental value. If a family heirloom were lost today, you might not be able to replace it, but having something to ease the blow would be a lot better than simply moving on.

It takes a couple of minutes to make an inventory of the things that matter most to you and their relative value, and we highly recommend doing that to figure out how much you need.

Renter's insurance is affordable, and you can customize your coverable and liability amounts to minimize the cost, as well.

Customize Your Renter’s Insurance Policy

We’re an independent agency that partners with the top-rated carriers, and we compare many different policies to find you the best fit in terms of coverage and cost.

This lets us customize your coverage with an unmatched level of flexibility, the best deductibles, and various coverage limits.

Common Myths About Renter’s Insurance

There are several myths about renter’s insurance that keep a lot of renters from getting covered, and they don’t realize those are myths until it’s too late.

Here are some of the most common myths.

• “ I don’t own enough to need insurance ”: Even if you don’t own much of value, what you do have is still worth protecting. Also, not all coverage protects your belongings.
• “ It’s too expensive ”: Renter’s insurance is actually very low-priced.
• “ My landlord’s insurance will cover me ”: No. Your landlord’s insurance will cover the home or unit, but your belongings are your responsibility.

It’s normal to think these things. Especially with how often they’re spread around. If you have anymore concerns, please, reach out to Chandler Insurance Group. We’ll debunk any myths and give you the facts.

Let’s Get You Insured!

Don’t fall for the myths. Renter’s insurance can be the difference between financial ruin and a minor inconvenience. Contact us today and let Chandler Insurance Group get you insured!