Best & Cheapest Renters Insurance In Georgia For 2025

Approximately 35% of all households in Georgia rent. Georgia renters face higher hurricane-zone premiums and flood-zone premiums, with much of the state along coastal regions and prone to windstorms, floods, tornados, and hurricanes throughout the year.

The average cost of renters insurance in Georgia is approximately $288 per year, or about $24 per month. This makes it an affordable way to protect your personal belongings and liability.

Having had over 15 years of experience as a licensed property and casualty agent, I’ve helped many clients find the right renters insurance to suit their needs and budget. This deep industry knowledge allows me to provide insights that save you time and money while making sure you have the right coverage.

Cheapest Renters Insurance Companies In Georgia

Georgia Farm Bureau and Travelers are the cheapest renters insurance companies in Georgia. Georgia Farm Bureau costs an average of $13 per month, while Travelers costs around $16.

Best Renters Insurance Companies In Georgia 2025

Auto-Owners is the best renters insurance company in Georgia, with average monthly premiums of $26.

Use the table below to view the best renters insurance companies in Georgia, and their average rates.

How Much Is Renters Insurance In Georgia?

The average cost of renters insurance in Georgia is typically around $24 per month, or about $288 annually. However, the exact cost can vary significantly depending on several factors. These include the location of the rental property, the value of your personal belongings, the coverage limits, and any additional coverage options you may choose. For example, renters in areas prone to hurricanes or flooding may face higher premiums due to the increased risk of damage.

Average Georgia Renters Insurance Costs – By City

Where you live in Georgia can have a significant impact on the cost of renters insurance.

Here’s a table showing the average cost of renters insurance in 10 major cities in Georgia:

What Factors Affect The Price Of Renters Insurance In Georgia?

Several factors influence the cost of renters insurance in Georgia. Understanding these can help you manage your premium:

• Location: Areas near water or prone to hurricanes and floods often have higher premiums, as do areas known for windstorms like Atlanta, South Georgia, Carroll County, and Butts County.
• Value of Personal Belongings: The more valuable your possessions, the higher your coverage limits and premiums.
• Deductible: A higher deductible can lower your monthly premium but increase out-of-pocket costs.
• Claim History: A history of claims may increase your rates.
• Rental Property Type: Apartments may cost less to insure than houses.
• Safety Features: Smoke detectors, security systems, and deadbolts may lower premiums.

Is Renters Insurance Required In Georgia?

In Georgia, renters insurance is not legally required by the state, but many landlords or property management companies may require tenants to have a policy in place. Some landlords might include it in a lease agreement to protect themselves and the tenants.

Moreover, the Insurance Commissioner has recently encouraged all college students to get renters insurance, even if living in dorms.

Though it is not required by law, renters insurance can help tenants to safeguard their personal property, which may be costly to replace out-of-pocket. Furthermore, renters insurance may provide coverage for temporary living expenses if the rental unit becomes uninhabitable due to a covered event.

While not mandatory, renters insurance can provide peace of mind and financial protection. It’s important to review the lease agreement and check with the landlord to see if it’s a requirement, as failure to comply could result in penalties or lease termination.

Common Renters Insurance Discounts In Georgia

Renters insurance providers in Georgia offer various discounts that can reduce your premiums:

• Bundling Policies: Combining auto and renters insurance with the same company can lead to savings.
• Security Features: Installing security systems or smoke alarms can result in discounts.
• Claim-Free Discounts: If you haven’t filed claims in several years, you may qualify for lower rates.
• Property Age: Newer, well-maintained homes may qualify for discounts.
• Loyalty Discounts: Long-term customers may receive reduced rates over time.

Common Renters Insurance Claims In Georgia

The most common renters insurance claims in Georgia include damage from natural disasters, such as windstorms, tornadoes, and hurricanes, as well as incidents like theft and water damage. As mentioned, 89% of all communities in the state are in a high-risk zone for floods, 25% of all insurance claims filed for renters insurance are typically the result of fire, and Georgia experiences extreme wind storms, hurricanes, tornadoes, and flooding every year.

Theft claims are frequent in urban areas or neighborhoods with higher crime rates, where personal belongings may be at risk.

Does Renters Insurance In Georgia Cover Hurricanes?

Georgia experienced excessive tornadoes and hurricanes in 2024, with Hurricane Helene making landfall as a Category 4 hurricane in Florida, then tracking across half of Georgia causing excessive wind and rain damage. So getting the right coverage is key. 

Renters insurance in Georgia typically does cover damage from hurricanes, particularly against damage from hail, lightning and wind. 

However, renters who live near the coast may have to pay for a separate deductible for damage related to named hurricanes and storms, like Hurricane Helene. 

This additional coverage can help with repairs to personal property and provide protection in case of significant damage due to the storm, offering peace of mind during hurricane season.

Does Renters Insurance In Georgia Cover Fire?

Fires represent an average of 25% of all insurance claims across the United States and in Georgia, renters insurance typically covers damage to personal property and a rental unit caused by fire. This includes damage from smoke, soot, or heat. Most policies will cover the complete cost of repairs or replacements.

Remember that renters insurance is there to cover your personal belongings and it is the homeowners insurance policy of your landlord that covers the structure of the building in the event of something like a fire.

With liability coverage you can get additional protection in the event that a fire started in your rental unit spreads to neighboring units.

In order to submit proper claims for a fire under your renters insurance in Georgia, you need to keep an updated inventory of all of your personal belongings.

Does Renters Insurance In Georgia Cover Tornadoes?

2024 brought severe weather outbreaks to Georgia in the form of 5 tornados in January alone. More tornadoes made their way through the state in February and March, doubling the total. 

Yes, renters insurance generally covers tornado damage in Georgia. Tornadoes are typically considered wind-related incidents, and most renters insurance policies include coverage for damage caused by windstorms. If a tornado damages personal property or the rental unit itself, renters insurance will typically cover repair or replacement costs.

However, it’s important to review your policy to ensure that the specific coverage for wind and tornado damage is included. Additional coverage may be needed for high-value items, depending on the policy. Similarly, areas of Georgia prone to frequent tornadoes may require a separate wind insurance deductible. 

Does Renters Insurance In Georgia Cover Flooding?

Renters insurance in Georgia does not cover flooding caused by heavy rains, storm surges, or rising water. 

In Georgia a lot of floods are the result of hurricane season. The state Insurance Commissioner regularly provides press releases reminding renters, not just those near coastal counties, to purchase additional flood insurance in preparation for hurricane season especially as flood insurance policies can take 30 days to go into effect and waiting until a hurricane is beginning might be too late.

If you want to protect your personal belongings against flood damage which is considered a separate peril, you will need to purchase additional flood insurance through one of two options:

1. Private insurance companies, or 
2. The National Flood Insurance Program (NFIP) 

This applies to renters in general, but especially to renters near the coast, near a lake or river, or in low-lying areas. 

Flood insurance will cover damage to personal property and the structure of the rental unit where caused by rising water. If, for example, there is a hurricane which subsequently causes flooding, the flood damage can be covered under a separate flood insurance policy.

Does Renters Insurance In Georgia Cover Wind Damage?

Yes, renters insurance in Georgia generally covers wind damage caused by covered events such as windstorms, tornadoes, and hail. However, according to the Georgia Commissioner of Insurance, wind may not be covered for homes along the coast, but additional coverage can be received through the Georgia Underwriting Association. 

In general, renters insurance policies in Georgia will cover any damage to your personal belongings including clothing, electronics, and furniture. 

Another caveat is that wind damage resulting from a hurricane may require additional coverage as hurricanes are categorized as a separate risk. You can always purchase additional hurricane coverage if you live in an area prone to extreme weather. 

What Does Renters Insurance Cover In Georgia?

Renters insurance provides essential protection for your belongings and liability, offering financial security in the event of unexpected incidents. Understanding what is covered under a renters insurance policy helps you make informed decisions about your coverage needs. Below, we break down the key components of renters insurance coverage.

Personal Property Coverage

Renters insurance typically covers personal belongings, such as furniture, clothing, electronics, and appliances, in the event of theft, fire, vandalism, or other covered disasters. It helps you replace or repair your possessions up to the policy’s coverage limit.

Liability Coverage

Liability protection is an essential part of renters insurance. It covers legal expenses and medical costs if someone is injured while on your property. For example, if a guest slips and falls in your home, liability coverage can help pay for their medical bills and any legal fees if you are sued.

Additional Living Expenses

If your rental becomes uninhabitable due to a covered incident, such as a fire or storm, renters insurance can cover additional living expenses. This includes the cost of temporary housing, meals, and other expenses while your home is being repaired or replaced.

Medical Payments To Others

This coverage provides small, no-fault medical payments if someone is injured on your property, regardless of who is at fault. It helps cover minor medical expenses without the need for a lawsuit or liability claim.

Loss Of Use Coverage

If you cannot use your rental due to a covered event, loss of use coverage can help with extra costs such as hotel stays and transportation.

Flood Endorsements

According to the Environmental Protection Division in Georgia, 89% of all communities in Georgia are at risk of flood, mapped as “Special Flood Hazard Areas.”  It is required that all residents and business owners in these areas purchase additional flood insurance if they have a current mortgage with a lender. As a renter, however, though it is not required, it is highly encouraged that you purchase additional flood endorsements through third parties to protect your personal belongings.

You can check if your rental property is in a flood zone area through the Flood Map provided by the state, or through FEMA.

Windstorm Endorsements

Georgia experiences severe wind storms throughout most of the year, causing things like power outages, downed trees, and structural damage. Much of the reported wind storm damage occurred after severe thunderstorms, tornadoes, and hurricanes.

As the specific events may not be covered under a standard renters insurance policy in Georgia, it’s important to consider a windstorm endorsement especially if you live in an area known to have frequent wind storms in the spring and summer including:

• South Georgia
• Butts County
• Metro Atlanta
• Carroll County
• Douglasville

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