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2024

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Best Renter's Insurance Companies in Athens, GA

Our Recommended Top 9

We did the research for you!

  • Licensing
  • User Reviews
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Our goal is to connect people with the best local professionals. We scored Athens Renter's Insurance Companies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

50Reviewed

33Curated

9Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

3021 Atlanta Highway, Athens, GA 30606
WebsiteLicense: 71545

Expertise.com Rating

Review Sources

Google
4.0 (7)

Why choose this provider?

AIC/Insuring America is a full-service insurance company operating in Athens that offers insurance policies for both personal and commercial lines. The firm assists individuals and families who are renting a home or apartment in protecting their personal assets with a renters' insurance policy. As an independent insurance brokerage, the agency represents over 50 national carriers that can provide various coverage options, such as personal liability, theft, and jewelry or fine arts. AIC/Insuring America has been serving clients since 1973.

  • Multiple Policy Types

1561 Lenru Road, Bogart, GA 30622
WebsiteLicense: 3145703

Expertise.com Rating

Review Sources

Google
4.0 (28)
Facebook
5.0 (3)

Why choose this provider?

Based in Bogart, Brian Gibbs, a State Farm insurance agent, provides insurance services to individuals and businesses in Athens and serves all of Georgia, Alabama, and South Carolina. He carries property insurance services like condo & renters' insurance, rental property, mobile & manufactured homes, auto, homeowners, and farm & ranch. Additionally, he provides business insurance services like surety and fidelity bonds, commercial auto insurance, business owner's policy, workers' compensation, contractors' policy, and liability umbrella. Brian likewise offers life, health, and pet insurance.

  • Multiple Policy Types

1875 Commerce Road, Athens, GA 30607
WebsiteLicense: 194713

Expertise.com Rating

Review Sources

Google
4.0 (7)
Yelp
5.0 (1)

Why choose this provider?

Cole Hixon Insurance, Inc., is a family-owned and family-operated insurance agency serving individuals, families, and businesses in Athens and nearby cities. It partners with various insurance providers and offers a wide range of insurance products, including renters', farm, life, auto, and business insurance. It can also assist in annuities and bonds. The agency also serves Georgia, North Carolina, and South Carolina. American Modern, Foremost Insurance Group, and Berkshire Hathaway Insurance Company are some providers that the agency carries.

  • Multiple Carriers
  • Multiple Policy Types

1031 Park Drive, Watkinsville, GA 30677
WebsiteLicense: 70120

Expertise.com Rating

Review Sources

Facebook
4.0 (8)
Google
4.0 (5)

Why choose this provider?

Phil Kinney Agency, a Watkinsville-headquartered insurance agency, serves clients in and around Athens. Serving individuals and businesses, the company offers various types of insurance products. Its personal insurance products include renters' insurance as well as homeowners' insurance, condominium insurance, and automobile and motorcycle insurance policies. Phil Kinney Agency is an independent insurance company offering clients a comprehensive selection of coverage. Company co-owner Phil Kinney has been in the insurance industry since 1972, while his co-owner, Jaime Johnson, has been in the industry since 2005.

  • Multiple Policy Types

3651 Mars Hill Road, Watkinsville, GA 30677
WebsiteLicense: 200237

Expertise.com Rating

Review Sources

Google
5.0 (24)
Facebook
5.0 (8)

Why choose this provider?

Serving Athens and nearby communities, Arch Partners Insurance & Wealth Management is a provider of a wide range of insurance solutions, including renters' insurance. Renters' insurance compensates renters for the loss or damage of their personal items due to theft, fire, and other disasters. These items include electronics, jewelry, clothing, and other valuables. The firm also provides home, auto, boat, and life insurance. Arch Partners Insurance & Wealth Management has a combined industry experience of over 110 years.

  • Multiple Policy Types

3149 Atlanta Highway, Athens, GA 30606
WebsiteLicense: 156532

Expertise.com Rating

Review Sources

Google
4.0 (21)
Facebook
5.0 (6)

Why choose this provider?

Stephanie Wallace is a State Farm insurance agent based in Athens. She first served in State Farm Corporate before deciding to become an official agent. Originally from Indiana, she set up her Athens agency in 2000 and has been serving the local community and the surrounding areas for more than 20 years. She offers home and renters' insurance, as well as policies that provide auto and business coverage. Her agency is able to accommodate clients in both English and Spanish.

  • Multiple Carriers

1031 Village Drive, Watkinsville, GA 30677
WebsiteLicense: 124182

Expertise.com Rating

Review Sources

Google
4.6 (11)

Why choose this provider?

Pachuta Insurance is an independent insurance agency that services locals in Athens and its surrounding communities. One of the services that the company offers is renters' insurance. It helps clients avail themselves of renters' insurance to protect their personal belongings in cases of theft, accidents, vandalism, or loss of use. This applies to clients who are currently renting homes, apartments, or condos. The agency was formed and established by Johnny Pachuta, who has more than 13 years of industry experience.

  • Multiple Carriers
  • Multiple Policy Types

2500 West Broad Street, Athens, GA 30606

Expertise.com Rating

Why choose this provider?

Stand Guard Insurance Agency has been handling the needs of individuals, families, and property owners in Athens and neighboring areas since 2013. The independent agency specializes in many different types of insurance products, including renters', homeowners', first-time homebuyers, and dealership insurance. It also offers clients auto, life, and motorcycle insurance coverage. Austin Allmon is the owner and insurance agent of Stand Guard Insurance Agency. She represents multiple insurance carriers, such as Mercury, Progressive, Americo, and Transamerica.

  • Multiple Policy Types
  • Multiple Carriers

2425 West Broad Street, Athens, GA 30606
WebsiteLicense: 562261

Expertise.com Rating

Review Sources

Google
5.0 (3)
Facebook
5.0 (3)

Why choose this provider?

Griggs Ficklen Insurance is an independent agency that offers a range of personal and commercial insurance products and solutions to individuals, families, and businesses. It assists clients in the Athens metro and nearby areas understand how having a renters' insurance plan can help reduce repair or replacement expenses in case of a natural disaster, accident, or theft. The agency also provides life, health, auto, and homeowners' insurance plans. One of its key staff members, Benji Edwards, has been active in the industry since 1980.

  • Multiple Carriers
  • Multiple Policy Types

Compare our Top Renter's Insurance Companies

NameExpertise RatingAddressPromotionsLearn more
AIC/Insuring America
3021 Atlanta Highway, Athens, GA 30606
Brian Gibbs
1561 Lenru Road, Bogart, GA 30622
Cole Hixon Insurance, Inc
1875 Commerce Road, Athens, GA 30607
Phil Kinney Agency
1031 Park Drive, Watkinsville, GA 30677
Arch Partners Insurance & Wealth Management
3651 Mars Hill Road, Watkinsville, GA 30677
Stephanie Wallace
3149 Atlanta Highway, Athens, GA 30606
Pachuta Insurance
1031 Village Drive, Watkinsville, GA 30677
Stand Guard Insurance Agency
2500 West Broad Street, Athens, GA 30606
Griggs Ficklen Insurance
2425 West Broad Street, Athens, GA 30606

FAQs

  • Is obtaining renter's insurance a mandate for residents in Athens?

    No, renter's insurance is not mandated by state law in Athens. However, landlords may require tenants to acquire renters insurance as a lease condition. This insurance is advisable to protect personal belongings against losses like theft or damage since a landlord's policy typically does not cover tenant possessions.

  • How does increasing the deductible impact renter's insurance costs in Athens?

    Elevating the deductible on a renter's insurance policy in Athens means the insured would incur a higher out-of-pocket cost before the insurance company covers the remainder of a claim. For example, with a $500 deductible, the policyholder would pay that amount towards a $1,500 theft loss, leaving the insurer to pay the residual $1,000. This strategy can lower the premium, a choice best discussed with one's insurance agent.

  • What's the difference between replacement cost value and actual cash value in Athens renter's insurance?

    In Athens, renter's insurance policies offering replacement cost value will cover the current cost to replace an item, whereas actual cash value will reimburse the item's depreciated value. For instance, a five-year-old laptop initially costing $1,000 might be valued at $100 today; the actual cash value would pay out this amount, less any deductible. Replacement cost coverage, though about 10% pricier, ensures compensation for a new equivalent item.

  • Is it feasible to obtain renter's insurance in Athens for those with a less-than-ideal credit history?

    In Athens, acquiring renter's insurance is typically possible without a stellar credit score. Insurers recognize that individuals, especially those new to credit or recovering from financial setbacks, may still be reliable policyholders. Monitoring and improving one’s credit rating, however, remains beneficial for financial health and ease of securing services.

  • Is it necessary for each roommate in Athens to have their own renter's insurance policy?

    Yes, roommates in Athens are recommended to maintain individual renter's insurance policies. Each resident’s personal property and liability risks differ, warranting separate coverage. Shared policies can lead to complications due to life’s unpredictability affecting cohabitation. Tailored insurance for each person ensures continuous, appropriate protection regardless of future household changes.

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