Georgia Renters Insurance

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Policy pricing is based on 4 factors:

1. How much coverage is needed

2. The type of home: Apartment, Townhome, Condo, Single Family, or Manufactured Home

3. Location of the home: Close to fire departments or in high crime areas

4. The loss history of the applicant

5. Lastly, more and more companies are basing the policy price on the applicant’s payment history, indebtedness, or credit score.

The purchase process is simple:

· Take the application verbally over the phone or via the internet quote form

· Review the application via phone and e-mail or fax

· Approve the pricing and coverage

· Make an initial down-payment (complete)

· Return via fax or mail or e-mail a signed application.

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Liability protection is needed, start by getting a quote by clicking here

This is the most IMPORTANT coverage on the Renter’s Insurance policy.

You have a 401k or Retirement fund or a Credit Score that you are trying HARD to protect…

The Liability protection is key to your succeeding in the event of a major loss.

Example: You have a policy and accidentally cause a fire in your home.  The fire was small and caused 40-70,000.00 dollars of damage.  Do you have the funds to pay that?  The apartment or Landlord’s policy will pay for the damage.  But once they find that YOU were “at fault”, a lawsuit will be levied asking for you to repay the damage.

A lawsuit could jeopardize your retirement funds or position a filing of bankruptcy in order to rid yourself of the debt.

Having a Renters Insurance policy could position you with the liability protection to reimburse others for the loss you caused them.

Liability Protection… It is MORE IMPORTANT than you may consider.

Liability protection is needed, start by getting a quote by clicking here

Peace of Mind Coverage Starts with a Quote Here

Guest Medical coverage is the coverage that most believe is “worthless coverage”.

Why is Guest Medical on a policy?  The goal of the coverage is to position funds for a Guest’s loss without the guest bringing a lawsuit for reimbursement.

A policy traditionally comes with a $1,000.00 limit.  For $9.00 more a year, the Guest Medical coverage can have a limit of $5,000.00.

A lawsuit may be avoided with guest medical coverage.  Having the extra level of coverage may help keep the stress of a lawsuit from being a reality.

Peace of Mind Coverage Starts with a Quote Here

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After a major loss, the expenses add up quickly.  Renters Insurance provides protection beyond the possessions you own.

“Loss of Use” positions the insured with funds to make up for the additional expenses when living at the residence is not permitted due to a covered loss.

A fire from a neighbors unit, a storm causing damage to your unit– These are examples of how you could be positioned to make a claim for “loss of use”.

Most of us believe that it will “never happen” to me.  Having coverage prior to a loss is key to your surviving a loss that should have happened to someone else.

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When You do not own the location where you live, there is still a need for insurance.

Georgia Renters insurance is for anyone who rents a house, condo, or an apartment.

Renters insurance can protect your personal property against loss– Like: fire, theft and vandalism.

Protection for your property has two levels of protection available:

1st- There is a general level of coverage.  This level of coverage is generally intended for All of the possessions in the home.

2nd– There is added protection for items of higher value like Jewelry.  This coverage is call “Scheduled Personal Property”.  If you have items of “higher value”, review that with Matt Locke during the quoting process.

Personal property protection does extend outside the doors of your home.  The coverage also protects the property in your car.  In the event your car is broken into and your property is stolen, renters insurance positions you and your family protection.

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