Renter's Insurance

ATI offers comprehensive renter's insurance policies to Georgia residents at some of the state's most affordable prices.

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Why Choose ATI Renter's Insurance

Renter’s insurance covers any damage or loss to your personal property that is kept inside of a rented dwelling. Some landlords or property management companies require tenants to get renters insurance. However, even if it is not needed, it is still a good idea to invest in renter’s insurance.

ATI has been selling renter’s insurance policies in Georgia for 50 years. Our customers can attest to our dependability and affordability. Choose ATI if you are looking for affordable renter’s insurance policies and excellent customer service.

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What does renter's insurance cover?

Renter’s insurance covers the cost of any damage or loss to your personal items that may have occurred through vandalism, theft, a busted pipe, a fire, or some other event. Personal property can include everything from your laptop to your TV to your clothes or kitchenware.

If you do not have renter’s insurance and your personal property is damaged or lost from events outside of your control, then the property owners typically assume no responsibility, unless the problem was due to their negligence. For example, if a landlord was advised that a water heater should be replaced, then failed to do so, you could file a civil suit for the landlord to take responsibility for the damages.

You can also get renter’s liability insurance, which covers injury a person suffered while in your rented home. With renter’s liability insurance, that person can file a claim with your insurer to receive coverage for any associated medical costs. Assuming liability, of course, would depend on the situation.

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What does renter's insurance cover?

Renter’s insurance covers the cost of any damage or loss to your personal items that may have occurred through vandalism, theft, a busted pipe, a fire, or some other event. Personal property can include everything from your laptop to your TV to your clothes or kitchenware.

If you do not have renter’s insurance and your personal property is damaged or lost from events outside of your control, then the property owners typically assume no responsibility, unless the problem was due to their negligence. For example, if a landlord was advised that a water heater should be replaced, then failed to do so, you could file a civil suit for the landlord to take responsibility for the damages.

You can also get renter’s liability insurance, which covers injury a person suffered while in your rented home. With renter’s liability insurance, that person can file a claim with your insurer to receive coverage for any associated medical costs. Assuming liability, of course, would depend on the situation.

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What is not covered under renter's insurance?

Although renter’s insurance is designed to protect your belongings from incidents outside of your control, it doesn’t cover everything. A renter’s insurance policy will not cover:

  • Flood damage caused by storms
  • Liability for professional services you provide from home
  • Damage to your vehicle

Since renter’s insurance doesn’t cover flood damage, you may want to look for flood insurance if you live in an area that’s prone to flooding.

There may also be limits to what your renter’s insurance policies covers. If you own high-value items, you may need to take out additional coverage to protect their worth.

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How much does renter's insurance cost?

Renter’s insurance is very affordable. On average, most people pay between $100 and $250 per year on their premiums.

Furthermore, most policies require a deductible to be paid before coverage takes over. You can choose between lower or higher deductibles depending on the type of coverage you want and what works best for your needs.

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