Renters Insurance in Norcross, GA
Renters insurance can be financially beneficial for anyone renting an apartment, house, condo or other type of dwelling. While landlords’ insurance policies often cover the building itself, they typically do not include your personal belongings. Renters insurance can fill this gap, helping you manage unexpected financial losses from damage, theft or liability so you don’t have to cover the costs on your own.
What Does Renters Insurance Cover?
Renters insurance can offer financial protection for the following: 
- Personal property. If theft, vandalism, fire and other covered perils occur, renters insurance may cover damage to your belongings, such as furniture, electronics, clothing and appliances.
- Liability. If someone is injured in your rented home or you’re responsible for damaging someone else’s property, liability coverage can help pay medical bills or repairs. It may also cover legal costs if you’re sued afterward.
- Additional living expenses. If your unit becomes uninhabitable following a covered event, this policy can reimburse you for temporary housing, meals and other necessary costs while your home is being repaired.
How Much Do Policies Cost?
The cost of renters insurance may vary based on several factors, such as the following:
- Coverage limits. Higher coverage limits for personal property and liability will often result in higher premiums.
- Deductible. The deductible is the amount you pay out-of-pocket before your insurance coverage kicks in. A higher deductible typically means a lower premium.
- Location. Your location can impact your premium, as some areas may have a higher risk of certain perils, such as theft or fire.
- Claims History. A history of insurance claims can increase the cost of your renters insurance, as providers may view you as a higher risk.
Where to Get Renters Insurance
At Insurance Direct Group, we understand the unique needs of renters in Georgia. Our agents are ready to assess your risks, discuss your coverage options and find a policy that fits your budget. Contact us today to learn more.