Renters Insurance in Marietta, GA
Whether you’re renting a home or apartment, unforeseen events can happen anytime and leave your personal belongings at risk. The landlord’s insurance typically does not cover a renter’s possessions or liability.
What Do Policies Cover?
A standard policy often includes the following:
- Personal property coverage may help pay to replace or repair your belongings, such as furniture, electronics and clothing, if damaged or stolen.
- Liability coverage may cover legal or medical bills if someone is injured in your rental or if you accidentally cause damage to someone else’s property.
- Additional living expenses coverage may reimburse hotel expenses, meals and other costs if you need to temporarily move out due to a covered event.
Beyond these, you can add financial protection for high-value items, often called scheduled personal property, such as jewelry, fine art or collectibles. It’s also important to note that separate policies may be needed to cover damage from floods, earthquakes and other disasters.
Who Needs Renters Insurance?
While Georgia does not legally mandate renters insurance, many landlords include it as a condition of the rental agreement. Even if it’s not required, having this type of coverage can safeguard you from significant financial hardship if the unexpected happens. Renters insurance may be a smart choice for the following:
- Apartment and condo dwellers
- Tenants in single-family homes
- College students living off-campus
- First-time renters
How We Can Help
At Cadenas Insurance Agency, we help renters in Marietta and surrounding communities understand the value of renters insurance and find coverage to suit their needs and budget. Contact us today to get started with a quote tailored for you.