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georgia renters insurance

If you rent an apartment, house, or condo in the Peach State, you might not think you have enough stuff to merit Georgia renters insurance. But common possessions like furniture and electronics can add up really quickly — and your hard-earned savings could be at risk if life takes a turn for the worse.

When you get your free online quote, you'll see how Esurance renters coverage in Georgia can help you repair or replace your belongings, protect your savings, and prepare for the unpredictable.

reliable, affordable renters protection from esurance

Whether you rent an apartment in Atlanta, a condo in Columbus, or a studio in Savannah, securing dependable coverage can help you get the most out of the place you call home. Here at Esurance, we think Georgia renters stand to benefit from our 24/7 customer service and simple online policy management.

And if you think top-notch protection has to cost you an arm and a leg, think again. On top of truly affordable renters rates, you'll qualify for the Renters Plus® discount on your car insurance when you add renters coverage to your Esurance auto insurance policy.* (Now isn't that just peachy?)

coverages that come standard in georgia

With Esurance renters coverage in Georgia, you'll get protection for:

Personal liability

Mistakes happen. If someone sues after they're injured on your property, or you accidentally injure someone at or away from home, personal liability coverage could step in to help pay for legal expenses.

Your property

Renters insurance protects your stuff at or away from your place. If a fire destroys your favorite chair or a thief snags your gym bag from your car, personal property coverage can help repair or replace your stuff.

Guest medical expenses

If a guest is injured at your place, your renters coverage can help with medical expenses up to the limits you choose for guest medical expenses on your policy.

Additional living costs

If a covered risk like fire or vandalism makes your home temporarily unlivable, coverage for additional living expenses can help pay for things like a hotel, food, and even transportation costs while your place is being repaired.

how replacement cost coverage works

If life ever takes a turn for the worse, you want to know your insurance company has your back — like if a burglar breaks in while you're on vacation and steals your belongings, or if a fire destroys your stuff. With Esurance renters coverage, you'll get peace of mind knowing that replacement cost coverage is automatically included. But what does that mean?

Unlike actual cash value, which takes depreciation into account, replacement cost coverage ensures you get reimbursed for the cost to replace your stolen or damaged belongings with new, comparable ones (as long as you repair, rebuild, or replace your stolen, damaged, or destroyed property within 180 days of your actual cash value claim settlement). While many insurers offer replacement cost coverage as an additional endorsement on their renters insurance policies, it comes standard with Esurance.

As with any insurance coverage, there are some items that may not fall under this protection — so be sure to speak with your agent regarding what you are and aren't covered for.

risks for renters in georgia

There are hazards and risks unique to every locale, and the Peach State is no exception. Check out a couple more reasons why renters insurance in Georgia is always a wise choice.

Rainy days

Residents in Georgia are no stranger to a little precipitation — the entire state averages moderate to heavy rainfall throughout the year (and it snows most winters too!).

If a storm causes a burst pipe that results in water damage to your belongings, renters insurance can step in to help pay to repair your stuff.

Beware of burglars

According to data from Georgia's Uniform Crime Reporting Program, over 75,000 burglaries were reported in the Peach State in 2014. That makes up a whopping 20 percent of total crimes reported.

All the more reason to protect your stuff with a dependable renters insurance policy, which can help pay to replace your belongings if they're stolen.

Related links

Is renters insurance worth it?
If you're still on the fence, check out 4 reasons to consider buying renters insurance.

Georgia Office of Insurance and Safety Fire Commissioner
Have questions about insurance in Georgia? Check out your state's local authority here.

Get a renters insurance quote and see how much you could save.

or call 1-866-439-5633