Affordable Renters Insurance in Atlanta, Georgia
Why do I need Renter's Insurance?
Have you signed a lease on a house or apartment?
If you are renting a home, your landlord is responsible for insuring the structure of the building, but not for insuring your possessions — that is up to you. If you want to be covered against losses from theft and catastrophes such as fire, lightning and windstorm damage, renters’ insurance is a good investment.
Like homeowners’ insurance, renters’ insurance includes liability, which covers your responsibility to other people injured at your home, or elsewhere, by you and pays legal defense costs if you are taken to court.
Regardless of whether you are a renter or an owner, you will have the following options when it comes to insuring your possessions:
Actual cash value pays to replace your home or possessions minus a deduction for depreciation.
Replacement cost pays the cost of rebuilding or repairing your home or replacing your possessions without a deduction for depreciation.
Think carefully about what your financial position would be in the aftermath of a disaster, and make sure you have the type of policy that is right for you.
Insurance needs change as circumstances in your lives change, which is why an annual insurance review is recommended by our agency.
Please contact our office at your earliest convenience for a no-obligation review.