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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Joshua is a copywriter at Obrella who for more than 10 years has been creating content about insurance, health care, and more. He helps companies explain complex insurance subjects in simple ways so that customers can make smart buying decisions. He spends way too much time binge-watching Netflix, loves the outdoors and has a cat who tolerates him.

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Reviewed by Joshua Adamson
Joshua Adamson

UPDATED: Jul 15, 2021

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Because things like fire, burglary, and personal injuries can happen anytime. It is important for anybody renting a house, condo, apartment, or even a single room to have renters insurance. That’s because it helps protects you from legal and medical costs and in most cases, will replace your damaged or stolen belongings. Renters policies are based on personal property coverage. For savvy renters, though, they do much more.

Our guide below can answer questions you might have about Georgia renters insurance, or you can pick up the phone and call [mapi-phone /] to talk a licensed expert today.

How Much Does The Average Renters Insurance Cost in Georgia?

In a state where approximately 35% of residents are renters, it would seem reasonable that Georgia residents should be aware of the value of renters insurance and it’s affordable price.

On average, renters spend about $226 a year for Georgia renters insurance policies. That’s 21% more than the national average, but considering it only takes 31 hours on average of working for minimum wage to pay for the annual premium, it seems worth it. This is especially true when you consider that $226 covers thousands of dollars in potential losses per year.

Of course, some providers offer different discounts or services for the average cost of renters insurance. You should always look at the details of the policy to make sure you know what you’re getting.

What Does Georgia Rental Insurance Cover?

Since bad things happen all the time such as the 86,789 burglaries that happened in Georgia in 2012 having a renters insurance policy is important to ensure you and your belongings are protected.

Depending on the type and amount of coverage you purchase, you could be reimbursed for thousands of dollars worth of belongings if you ever file a claim. Think about if you could afford to replace your stuff yourself and if that’s a risk you’d be willing to take by foregoing a renters insurance policy.

A renters policy covers a preset amount of personal belongings. If you have single items worth a large amount, you should consider adding coverage for those items. Property damage could be associated with theft, fire, water damage, or many other things. Renters policies can also cover medical payments associated with liability and additional living expenses should you be displaced from your home. All this is built into renters insurance quotes.

Where Can You Get Cheap Renters Insurance in Georgia with Discounts?

Your renters insurance premium is determined by multiple factors, such as: where you live, your history of claims, any current policies you currently hold, and more. If you take less personal property coverage, you pay less. These are discounts to lower your average cost without giving up essential coverages. You can knock some of the cost of renters insurance off your premiums by qualifying for available discounts.

  • Multi-Policy: Save when you combine policies like auto, home, and renters.
  • No Prior Claims: If you haven’t ever filed a claim, you’ll save on your rental insurance premium.
  • Safety Devices: Smoke detectors, sprinklers, anti-theft systems, and home monitoring systems can save you money.
  • Higher Deductibles: Lower your renters insurance premium by raising your deductible. Just know that the higher the deductible, the more you’ll have to spend out-of-pocket if you file a claim.

How Much Do Renters Pay in Georgia?

Georgia residents pay an average of $817 for a two-bedroom rental, but just $226 for annual renters insurance premiums. If you’re willing to pay, the small price tag of this investment can provide you with great protection that you’ll be thankful to have if you need it. If you get renters insurance with your auto insurance, this is just one of the easiest ways to save and minimize your costs to protect valuable items and yourself.

Finding Renters Insurance Made Easy

Let an expert agent assist you in finding a great Delaware renters insurance policy by calling [mapi-phone /]. You’ll get a free quote and overview of top renters insurance companies available to you.

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