Georgia renters insurance

If you're renting in Georgia, renters insurance may provide protection if your personal belongings are stolen or damaged or if you're liable for someone's injuries or damages. You can find affordable renters insurance in Georgia through Progressive for less than $1/day.^* Learn more about renters insurance coverages, discounts, cost information, and requirements for Georgia tenants.

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Georgia renters insurance coverages

Check out the four standard coverages on nearly all Georgia renters insurance policies:

Personal property protects your personal belongings, including furniture, clothing, and electronics whether they're inside your apartment or elsewhere
Loss of use helps cover costs associated with an increase in living expenses, up to your policy's limit, if you're unable to stay in your home while it's being repaired or rebuilt due to a covered loss
Personal liability protects you financially if you're legally responsible for another person's injuries or damage to their property
Medical payments to others pays for medical expenses due to a covered occurrence

Additional coverages

The best renters insurance in Georgia is always a policy with customized coverage. Here are some extra options for when you need more protection:

Add a rider: Certain valuable items, like jewelry, may have specific limits on your renters policy. If your item exceeds the limit, you may be able to purchase an endorsement called a rider for your policy to cover the item for its value.
Personal injury coverage: May pay for legal fees and damages if you're liable for slander or defamation.
Water back-up coverage: Water that backs up through sewers or drains or discharges from a sump pump may not be covered by a standard renters policy. Add water back-up coverage which may pay for the damage to your belongings and water removal costs.

Learn more about our renters insurance coverages.

Is renters insurance required in Georgia?

Renters insurance in Georgia isn't required by law, but your landlord or rental company may require you to have a renters policy as a condition for moving in. Even if it isn't required, renters insurance is an inexpensive way to protect your belongings against damage or theft. A renters policy may also provide coverage for additional living expenses if you're unable to live in your rental home or unit due to damage from a covered loss.

Did you know?

If your belongings are stolen while in transit or from storage, a renters insurance policy may cover those items. Find out how coverage works when moving or storing your belongings.

Is renters insurance in Georgia worth it?

Renters insurance provides affordable coverage for renters in a variety of circumstances. For example:

A small fire in your rental unit damages your furniture and electronics. Your personal property coverage may reimburse you for the cost of replacing your items, up to your policy limits.
A visitor is injured by your dog. Personal liability coverage under your renters policy may pay for injuries caused by your pet, up to the limits of your policy.
Water damage to your rental home or unit requires you to stay in a hotel while repairs are being made. Loss of use coverage may reimburse you, up to your policy's limits, for lodging and other costs incurred during your temporary stay.

How much is renters insurance in Georgia?

Progressive renters policies in Georgia had an average monthly price of $21.08 or an annual price of $252.99 in 2023.^** Remember that your cost for renters insurance is determined by several factors, including your location, type of residence, and claims history.

Coverage limits can also affect your renters insurance premium. Typically, the more personal property coverage you need, the more you pay for a renters policy. Use our personal property calculator to help you take a home inventory and estimate the value of your belongings.

How can I save on renters insurance in Georgia?

Take advantage of renters insurance discounts with Progressive to help lower the cost of your renters insurance. You may be able to save by bundling multiple insurance policies, going paperless, quoting in advance, paying in full, and living in a secured or gated community.

Pro tip:

Bundle your renters and auto policies to save in the Peach State!

You may be able to bundle your renters and auto insurance to earn an extra discount. Learn about bundling insurance at Progressive.

There may also be discounts that are only available in your state or county. Call 1-866-749-7436 or contact an agent in your area to help ensure you're getting all applicable discounts.