Best Renter's Insurance Companies in Savannah

FAQs

• Is renters' insurance mandatory in Savannah?

  Renters' insurance is not legally required in Savannah. However, some landlords require families and individuals to provide proof of insurance before moving into the property. Through this type of personal insurance plan, both landlords and tenants are protected in the event of an accident, fire, or theft. Renters' insurance can pay for the replacement cost of damaged items.

• If your jewelry is stolen inside the property you are renting, can your renters' insurance in Savannah cover its replacement cost?

  It depends on the situation. Renters' insurance in Savannah can cover pieces of jewelry at a certain amount. If your jewelry is high-end, you may need to add a rider to cover its costs. This additional coverage includes necklaces, earrings, diamonds, watches, and wedding and engagement rings. It also covers specialty items like musical instruments, cameras, and firearms.

• Does renters' insurance in Savannah cover flood-related damage?

  No, renters' insurance in Savannah does not cover flood-related damage. Families and individuals need to obtain separate coverage if they want to protect themselves from out-of-pocket expenses in case of a flood. They can purchase flood insurance from the National Flood Insurance Program. In fact, they are encouraged to have one if they are living in a high-risk area.

• If your possessions are not very valuable, do you still need renters' insurance in Savannah?

  Yes, you still need to have renters' insurance in Savannah even if your possessions are not that valuable or expensive. Even if you own small items like linens, cookware, and clothes, you might need to take out a large amount of money once you replace them all. Moreover, you can use your renters' insurance if your items are stolen inside your car or storage unit.

• If you are forced to leave your apartment due to a windstorm, will your renters' insurance in Savannah cover your hotel or Airbnb stay?

  Yes, your renters' insurance in Savannah will cover your hotel or Airbnb stay if you are forced to leave your apartment due to a windstorm. Moreover, your renters' insurance policy can cover your additional expenses, including storage fees, pet boarding, food delivery, and laundry costs. This is applicable even if you choose to stay with your family or friends.