Best Renters Insurance in Georgia (2022)
The best renters insurance in Georgia comes from State Farm, Travelers, Nationwide, Allstate, and USAA. These companies have excellent customer service and customization options that make the rates worth it. The average cost of renters insurance in Georgia is $214, which is slightly higher than the national average of $179. Make sure you compare renters insurance companies based on rates, coverage options, and more.
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UPDATED: Jun 28, 2022
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- Some of the best companies for renters insurance in Georgia are State Farm, Travelers, Nationwide, Allstate, and USAA
- The average cost of renters insurance in Georgia is $214 per year, which is higher than the national average of $179, possibly due to the higher risk of natural disasters in the area
- When choosing a renters insurance company in Georgia, you should compare companies based on rates, coverage options, and how the company rates different policyholders based on area and demographics
Renters insurance in Georgia can be a little more expensive than renters insurance in other parts of the country. However, there are many policies available at decent rates with coverage that makes sure you are protected if any of your property is damaged.
With all of the companies that are available, choosing one can be confusing and stressful. Below, we have listed some of the best renters insurance companies in Georgia, how much they cost, and how you can easily choose a company for yourself.
If you are ready to find the cheapest renters insurance in Georgia, enter your ZIP code into our free quote comparison tool above to compare multiple companies at once.
Which companies have the best renters insurance in Georgia?
In terms of the best renters insurance in Georgia, you should compare companies based on many different factors. Balance the cost of coverage with customer service, available discounts, and coverage features. Below are some of the best renters insurance companies in Georgia.
State Farm has an excellent combination of cheap rates and great coverage. State Farm renters insurance will cover your personal belongings, such as furniture or clothing, in case they are stolen or destroyed. If something happens to them, State Farm will give you enough coverage to buy new replacements.
State Farm has good financial stability ratings. In addition, it offers a wide variety of other types of insurance and financial services, so it is a good company for people who need a single place to manage their financial services.
Travelers renters insurance is priced slightly higher than State Farm, although it is still very affordable. In addition, it also offers options for customization, including mechanical equipment breakdown and water backup coverage. Travelers also has great customer service.
However, Travelers requires that renters pay for a year of insurance upfront instead of making monthly payments. If you need to switch insurers in the middle of the month, you can always get a refund, but this process can sometimes be more stressful than simply cancelling monthly payments.
You can obtain Nationwide renters insurance quotes in Georgia by going online, calling the Nationwide phone number, or by contacting an agent in your area. Nationwide’s renters insurance has basic coverage including personal property coverage and liability insurance, as well as some optional coverage, such as Brand New Belongings coverage.
Allstate renters insurance has several ways to customize your policy, including special personal property coverage and flood insurance. If you prefer to work with independent insurance agents, Allstate has a wide network of agents all over the country.
USAA provides coverage for members of the military and their family members. USAA’s standard renters insurance policy provides wide coverage that includes flood and earthquake insurance without having to pay more. USAA consistently receives high rankings for good customer service and excellent financial stability.
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How much does renters insurance in Georgia cost?
Let’s take a look at some renters insurance rates in Georgia from some of the best and cheapest companies in the area:
|Company||Average Annual Renters Insurance Rates in Georgia|
|Georgia Farm Bureau||$118|
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Next, let’s look at the average renters insurance rates by city in Georgia:
|City||Average Annual Renters Insurance Rates|
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The average cost of renters insurance in Georgia is $214 per year. Compared to the national average of $179, this indicates that people who live in Georgia pay a little bit more than most other people. This could be due to higher risk of certain natural disasters, such as hurricanes and tropical storms, tornadoes, wildfires, and more.
Many of these disasters can lead to wind and water damage. Flood insurance is not typically included in basic renters insurance policies. However, wind damage is often covered, unless you live in a high-risk coastal area. Some people who live on the coast will have to pay higher deductibles for wind damage, while others may need to seek out coverage from a specialty company.
Protection against fire is likely covered under your renters insurance, but double check your policy to make sure.
Where should I buy renters insurance in Georgia?
There are several factors that can affect which renters insurance company in Georgia you choose. Where you live will have a big impact on your rates, so choosing a company that is more favorable to your area and your demographics is essential to getting the best rates.
If you live in a high-crime area, you will want to seek out companies that offer lower rates to people who have had to file a claim due to theft. This could include the Georgia Farm Bureau, The Hanover, Auto-Owners, State Farm, and Chubb.
You will also want to choose a company that provides the coverage that you want or need. Some companies will offer add-on coverage options that are not included in policies from other companies. For example, Travelers and Nationwide provide a variety of optional coverage to customize your policy.
However, you also want to ensure you can afford your coverage. Therefore, you may need to choose a company that provides a good basic coverage for less, and you should compare the discounts that each company has available. For example, if you can qualify for USAA renters insurance, it has a wider coverage than most other policies with decent rates.
If you are looking for affordable renters insurance in Georgia, enter your ZIP code into our free quote comparison tool below to find companies in your area.
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