Renter’s Insurance Coverage in Savannah, GA
First Choice Insurance provides renter’s insurance coverage options for Savannah, GA. Call (912) 355-0001 for an insurance quote now!
What Is Renter’s Insurance?
With renter's insurance, you can replace what is damaged or stolen. Renter's insurance covers your possessions against losses from fire or smoke, lightning, vandalism, theft, explosion, windstorm, and water damage from plumbing.
However, the renter's insurance does not cover floods, earthquakes, or routine wear and tear. You can, however, buy separate policies for flood and earthquake damage.
Your additional living expenses will be covered if you are forced out of your home because of a disaster.
Renter's insurance pays the reasonable additional costs of temporarily living away from your home if you can't live in it due to a fire, severe storm, or other insured disaster. It covers hotel bills, temporary rentals, restaurant meals, and other living expenses incurred while your home is rebuilt. Coverage for additional living expenses differs from company to company.
Renters' insurance also covers your responsibility to others injured at your home or elsewhere by you, a family member, or your pet. It pays legal defense costs if you are taken to court.
How Much Insurance Coverage Do I Need?
To determine how much insurance coverage you will need, add up the cost of everything you would want to replace if it were damaged or stolen. This could also serve as the basis for an inventory that will make filing a claim easier. For a list, record model numbers, dates, and places of purchase. Take photographs or make a video of these items and place a copy of the inventory in a safe place away from your home.
You need insurance to protect your belongings if you rent an apartment or house. While your landlord might have insurance, it only protects the building. Your belongings are not covered under those policies.
Call our agents at (912) 355-0001 for a renter’s insurance quote.