Top Renters Insurance Tips for Georgia State

There are many reasons why you’d want to rent an apartment in Georgia – from people’s friendliness to the high-performing high schools and colleges in Forsyth County, Gwinnett, and Alpharetta. No matter what reason, you will need to have renters insurance to protect your personal belongings from perils like theft, fire, etc. 

 

The area you reside in Georgia will have an impact on the amount of renters insurance premiums you will have to pay. Progress Residential area has many options if you want a rental space for a single-family. Seven Pines, and the Stoneleigh both offer excellent choices, too.

 

The average amount of renters insurance in Georgia is $25 every month, which can be a squeeze for someone on a shoestring budget. However, you can trim down this rate significantly by shopping around to see renters insurance companies with good deals and discounts in whatever city you live in.

In Georgia, renters insurance will cover the following:

  • Personal property coverage, which protects all your personal belongings.
  • Liability coverage protects you from a lawsuit resulting from your negligence.
  • Medical payments cover guests who get injured while in your home.

If you want to learn more about renters insurance overall, click here!

Unique Laws

Renters insurance is not required by law in Georgia, but landlords or property owners will require you to get renters insurance before you can sign the lease agreement.

Purchasing renters insurance is a good idea because the landlord’s insurance will not cover your personal belongings, but his or her apartment. Plus, renters insurance will cover your personal items in case of perils, such as fire, theft, etc.

In Georgia, renters insurance covers you from liability to your rented space. However, you should note that personal liability will only protect your personal belongings. That said, liability coverages in Georgia will be limited to only smoke, explosion, and fire.

Climate

Georgia features a humid subtropical climate; long hot summers and short, mild winters. During the summers, temperatures go up to 35 degrees. The Hill Country and the Atlantic Ocean impact the overall climate of Georgia state.

Unlike other states prone to disasters, such as floods, thunderstorms, tornadoes, tropical cyclones, etc., Georgia is a least disaster-prone state. However, Georgia still records hailstorms, tornadoes, and super blizzards.

According to a report, the seven most disaster-prone areas in Georgia include the Sea Islands, Atlanta, Woodstock, Gainesville, Rome, Marietta, and Newnan. Sea Islands are very prone to floods and Hurricanes, while Atlanta residents are at risk of severe lightning.

According to AJC, Worth and Fulton in Georgia are prone to tornadoes – both registering 35 tornadoes since 1950, Colquitt and Chatham coming close, recording 30 and 32 tornadoes, respectively in the last 70 years.

If you live in any of the disaster-prone areas, such as the ones mentioned above, purchasing renters insurance will be a good idea. However, most renters insurance companies are likely to charge higher premium rates.

Crime

Georgia’s violent crime rate is lower than the national average – 3.3/ 1,000 against 3.7/1,000 for the national average. Georgia, however, registers a higher property crime rate – 25.7/ 1,000 against 22.0/1,000 of the national average.

Larceny theft is more rampant in Georgia, which accounts for 81 percent of property crimes reported in Georgia. Forty-five percent of Georgia residents are more worried about property crime, while 38 percent feel that they are yet to become victims of property crime.

According to EMC Security, some of the most dangerous areas in Georgia include East Point, College Park, Eastman, Americus, Hapeville, Albany, Brunswick, Griffin, Dublin, and Warner Robins. In East Point, there is a 1 in 7.5 chance of becoming a property crime victim.

According to Safewise, the top 10 safest cities in Georgia include Braselton, Johns Creek, Milton, Senoia, Summerville, Holly Springs, Tyrone, Peachtree City, Chatsworth, and Grovetown. Braselton’s property crime rate has reduced significantly from 8.6 to 5.6 from 2018 to 2020.

Most frequently asked question:

How Long Will It Take Before My Renters Insurance Takes Effect?

Your renters insurance policy will start the same day you purchase it, in most cases. Some insurance providers will request that you wait for some time (up to one day), but many insurers will activate your policy on the same day.

Still have questions about renters insurance in general? Click here!

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