Best Renter's Insurance Companies in Johns Creek

Frequently Asked Questions

• Is renters' insurance mandatory in Johns Creek?

  In Johns Creek, renters' insurance isn't mandatory, but some landlords may require it as a lease condition. It's increasingly common for landlords and property management firms to make it a lease requirement, decreasing your liability and that of other residents. Some landlords may request to be listed as an additional interest on your policy, though they won't be covered and can only be informed of modifications in your policy.

• What are the exclusions of renters' insurance in Johns Creek?

  Damage from earthquakes or floods is likely not covered by your renters' insurance in Johns Creek. You may require extra coverage, a rider, or an endorsement for such events. Renters' insurance safeguards you from actions of others, not your own. For example, if you drop your laptop, it's not covered, but if someone else drops it, their renters' insurance may cover it.

• Will renters' insurance take care of hotel costs while your residence in Johns Creek is undergoing repairs?

  The majority of Johns Creek renters' insurance policies will pay for the expenses of lodging in a hotel while your property is being fixed. If you can't stay in your place, contact your agent immediately after the incident. An adjuster might visit to assess the situation, and if it's deemed unsafe for health reasons, they can often cover temporary housing costs while the property is being addressed.

• Is it advisable to purchase a cheap renters' insurance policy in Johns Creek?

  Opting for the cheapest personal property option in Johns Creek may not be the best decision, as it could lead to financial loss. An inexpensive renters' insurance policy might not cover the full replacement cost of your belongings. Also, the minimum coverage, typically starting at a few thousand dollars, may fall short in today's market where the value of furniture, electronics, and clothing often surpasses this amount. Filing a claim with insufficient coverage could result in significant financial setbacks.

• What is the cost of Johns Creek renters' insurance?

  Renters' insurance in Johns Creek typically costs around $180 per year or $15 per month. However, your individual rate may vary depending on factors such as the location of your rental property, your credit score, the deductible you choose, the crime rate in your area, and any discounts you qualify for.