Renters Insurance in Dalton, Chatsworth, and Calhoun, GA
Many renters in Georgia don’t realize that their landlord’s insurance doesn’t cover their personal belongings or liability. Wilson Insurance offers renters insurance to help fill this gap.
Why Does Renters Insurance Matter?
Renters insurance covers your possessions and liability while you live in a rented space. Events like fire, theft or water damage can happen anytime, and without coverage, you may face high costs to replace items.
What Does This Policy Cover?
A typical renters policy may include the following:
- Personal property coverage can pay to replace or repair items like furniture, clothing and electronics if they’re stolen or damaged by fire, theft, vandalism or certain types of water damage, up to policy limits.
- Liability coverage may help cover costs if someone is injured in your rented space or if you cause damage to someone else’s property.
- Additional living expenses coverage can assist financially with temporary housing, meals and other costs if your home becomes unlivable due to a covered event.
How Much Insurance Do I Need?
These steps can help you evaluate coverage that may fit your needs and budget:
- Make a home inventory. List your belongings and estimate their value to see how much coverage you may need.
- Consider extra coverage. If you own valuable items like jewelry or art, you may want to raise your coverage limits or add specific endorsements.
- Choose a deductible. Pick an amount you can afford to pay out of pocket if you experience a loss. A higher deductible can lower your monthly premium.
When Should I File a Claim?
You may consider filing a claim if:
- The cost to repair or replace your belongings is higher than your deductible.
- You haven’t filed any previous claims.
- The incident is listed as a covered event in your policy.
Our Team Can Help
Contact Wilson Insurance to get a free renters insurance quote.