Do You Need Renters Insurance in Georgia? The answer to that question is no, yet it can be a little more complicated than that.
While renters insurance is not required by law in the state of Georgia, it is possible that your landlord will require it for you to reside in the house, mobile home, or apartment building you are renting from him or her. The agents at the Hyman Brown Insurance Agency Inc. in Commerce, GA stress the importance of having a renters insurance policy in place whether it is required or not.
Although your landlord has a property insurance policy in place to protect the structure you live in, that policy will not cover your personal belongings and other items that you have worked hard to purchase, including your appliances, computers systems, TVs, clothing, and jewelry.
A renters insurance policy is a very affordable policy to have in place and it offers so much protection for you and your family as well as peace of mind.
What Does Renters Insurance Cover?
A renters insurance policy will cover your personal property if it is damaged or destroyed by a fire, a natural disaster, or an act of vandalism. Also, if your home is broken into and your personal belongings and other items you have purchased are stolen, a renters insurance policy will help you replace those items. It will also help replace or repair items that are damaged during a break-in of your home.
A renters insurance policy will also provide liability insurance that will protect you if someone is visiting your home and becomes injured due to something in the home that belongs to you. For example, if they trip over your footstool and break their leg, this part of your policy will help pay the injured person’s medical bills and time off work if necessary.
Get Your Policy Started Today
To get your renter’s insurance policy in place today and achieve the peace of mind that comes with knowing your personal belongings are protected, you will need to contact a trusted renters insurance agent. The experienced agents at the Hyman Brown Insurance Agency Inc. in Commerce, GA are ready to assist you. Call for an appointment today!