Renters Insurance in Georgia

You should purchase renters' insurance if you rent an apartment or house in Georgia. Georgia does not require renters to buy this type of insurance. However, some landlords do require it to live in their buildings. And they are within their rights to make this demand. Having some form of coverage when renting a property is a good idea. This will protect you against accidents and incidents that you cannot foresee. It will also lower the risk of litigation involving your landlord over damage to their property.

Most insurance companies offer renter policies that cover the destruction of your property and other expenses after a disaster. In most instances, you can purchase renters' insurance that will pay for temporary accommodation while trying to find somewhere else to live. Renters' insurance also allows your landlord to recover damages from accidental fire or flooding in your unit. Again, this will prevent the need for them to come to you in the event of a disaster.

This type of insurance does not cover natural disasters such as earthquakes, landslides, sinkholes, and flooding from nearby lakes or rivers. The policy is also unlikely to cover pest infestations. These problems should be dealt with and paid for by the landlord. Indeed, you should not sign any lease agreement that does not put such matters into the hands of your landlord. Renters' insurance will also not cover the possessions of anyone not named in the policy. If you have a roommate or guests who lose property in an accident, they will not be compensated.

You want a renters' insurance policy that provides you with the necessary coverage. Toney Insurance Services is an independent customer-focused insurance company based in Snellville, GA. We offer flexible rental insurance policies that meet client realities. We believe in maximizing the amount of protection our clients receive in their policies. You should call Toney Insurance Services for a free quote if you have just entered a rental agreement.