Best Renter's Insurance Companies in Atlanta

Frequently Asked Questions

• Does Atlanta renters' insurance cover water damage?

  Yes. In contrast to flood damage, Atlanta renters' insurance usually covers water damage. For example, your renters' insurance coverage will pay for repairs if your washing machine breaks unexpectedly and causes water damage to your condominium and the items within. This applies to plumbing, HVAC systems, fire sprinklers, and other household appliances.

• When is a lockout covered by Atlanta renter's insurance?

  If a covered loss—like having your key stolen—leaves you locked out of your house, your Atlanta renters' insurance policy can pay for locksmith services to replace your key. The coverage will cover this expense less your renter's insurance deductible. However, if you have accidentally locked yourself out, your renter's insurance won't cover a key replacement, locksmith services, or a lock repair.

• Is purchasing renters' insurance in Atlanta mandatory?

  No. In Georgia, there is no legal requirement that you must obtain renters' insurance in Atlanta. However, as a condition of a lease, some landlords might demand that their tenants obtain insurance. Renters' insurance is not mandatory, but it is a good idea to get one to prevent having to pay for any losses to your possessions while you are renting an apartment.

• Are bed bugs covered by renters' insurance in Atlanta?

  No. Most renters' insurance policies in Atlanta exclude bed bug coverage. Insurance companies view bed bugs as an owner's neglect of their property rather than an inherent risk, such as fire or hail. Furthermore, bed bugs are not considered an insured loss under renters insurance under the "loss of use" clause.

• If your bike gets stolen from your property, will your renters' insurance in Atlanta cover it?

  Yes. As long as the bike was in your house when it was stolen, your Atlanta renters' insurance will likely cover the whole cost of a new bike. However, depending on your insurance limit, the payout can be a little less than the entire cost of replacement. You can choose an insurance limit that is larger and will still cover your bike.