Renters Insurance in Georgia

Renters insurance is one of the simplest policies we write and the one most people put off. If you rent an apartment in Midtown, a house near Columbus State, or a place off post while you are stationed at Fort Benning, a renters policy covers everything your landlord’s policy never will.

Does My Landlord’s Insurance Cover My Belongings?

No. Your landlord insures the building. Your furniture, clothes, television, laptop, gaming setup, bicycles, and everything else inside is yours to protect, and so is your liability if you cause damage to the unit or someone is hurt while visiting.

What a Renters Policy Covers

• Personal property for theft, fire, smoke, vandalism, and water damage from a burst pipe upstairs
• Personal liability for an injury to a guest or damage you accidentally cause to the property
• Loss of use for a hotel and meals if the unit becomes unlivable while it is repaired

How Much Coverage Do You Need?

Walk the place room by room and add up what it would cost to replace everything you own. The total is almost always higher than people expect. We will set personal property limits that match that number, pick a deductible you are comfortable with, and pair the policy with your Georgia auto insurance so it earns a multi-policy discount.

Renting Near Fort Benning?

Many leases and on-post housing agreements require proof of renters coverage before you get the keys, and we can send a certificate the same day. Coverage also travels with your belongings, which matters when the next set of orders arrives.