Renters Insurance in Savannah, GA
If you’re renting, you’re not covered by your landlord’s insurance policy in most cases. Renters insurance bridges this gap—it protects you financially by insuring you and your personal belongings from damage or liability claims. At R.M. Bush & Company Inc, we’re here to help renters like you get the most appropriate policy that suits your needs.
What Does It Cover?
Renters insurance may cover tenants living in rented apartments, condominiums or single-family homes. It can also cover residents who are subletting their units or homes to another tenant.
A standard policy may offer the following coverages:
- Personal property coverage may cover the repair or replacement of your appliances, clothing, electronics or furniture if they are damaged by fire, plumbing issues, theft, vandalism or certain weather events.
- Personal liability coverage may cover the necessary costs if you’re held liable for a third party getting injured while on your rental property or causing property damage to someone else.
- Loss of use coverage may cover your food, shelter and other expenses if your rental property becomes uninhabitable due to a covered risk.
How Much Does It Cost?
The cost of renters insurance in Savannah, GA can differ depending on your insurer and coverage limits. Your insurer may also consider the following factors when calculating your rate:
- Your location
- Your claims history
- Your credit-based insurance score
- Your pets, if any
- Your deductible
Here are some ways you can reduce your renters insurance premium:
- Maintain a good credit score.
- Increase your deductible.
- Bundle your renters policy with your current auto policy.
- Install smoke detectors and safety alarms in your rental property
- Choose a policy that insures the actual cash value of your belongings.
Learn More About Renters Insurance
Get in touch with R.M. Bush & Company Inc today to explore your options or request a quote.