Cheap Renters Insurance in Georgia

Chubb, State Farm and Nationwide offer Georgia's best cheap renters insurance. State Farm leads in affordability, while Nationwide provides the most coverage options.

*This list shows rates for a renter with good credit, no claims history, $50K in property damage coverage, $100K in liability coverage, a $1,000 deductible and guaranteed replacement.

Before shopping for quotes, try our renters insurance estimate calculator to understand how much coverage protects your furniture, electronics and other possessions.

The list above highlights the best choices for most renters, but your ideal option may differ. The table below lets you filter results to find the best fit for your profile in Georgia.

Here are more details on our top picks for affordability, customer service and coverage options for renters insurance in Georgia.

Renters insurance in Georgia averages $401 annually, $159 higher than the national average of $242. These rates reflect $50K personal property coverage, $100K liability limits and a $1,000 deductible.

Your rate varies based on your profile. Check the table below for major factors affecting premiums and average costs.

Renters insurance costs vary by city. Athens-Clarke averages $315 annually; Atlanta averages $369 for policies with $50K personal property coverage and $100K liability coverage. Check the table below for your city's average cost.

*This table shows rates for a renter with good credit and no claims history. Policies include $50K property damage coverage, $100K liability coverage, a $1,000 deductible and guaranteed replacement.

Choosing renters insurance in Georgia involves many options. Our guide simplifies this process, helping you find coverage matching your needs.

Georgia doesn't require renters insurance by law, but most landlords require at least $100,000 in liability coverage. Your rental history, credit score and pet ownership affect coverage requirements. Consider your property value, local weather risks and crime rates when choosing coverage limits.

Use our calculator below to determine how much renters insurance you need.

Georgia renters encounter risks requiring additional coverage:

• Weather risks: Coastal and central areas experience high hurricane and tornado risk. Standard renters policies typically exclude wind and hail damage, forcing separate windstorm coverage purchases.
• Crime risks: Property crime ranks Georgia 10th nationwide, while identity theft places it second. Identity theft protection or supplemental property coverage for high-value items deserves consideration.
• Pet ownership: Certain breeds need pet liability coverage beyond standard policies. Verify whether your insurer covers your specific pet or requires a separate rider.
• Property types: Jewelry, electronics, tools and expensive equipment hit coverage limits in standard policies. Insurers offering scheduled personal property endorsements for these items warrant investigation.

Renters insurance covers property damage, liability for harm to others and loss of use if your rental becomes uninhabitable. Common coverage types include:

Georgia's best cheap renters insurance companies are Chubb, State Farm and Nationwide. Chubb and State Farm offer low rates and good service. We recommend these companies, but always compare quotes from several providers to find your best deal.

Review our experts' answers to frequently asked questions below:

To calculate affordability, which accounted for 60% of the total score, we based our analysis on the following standard profile:

• $50K personal property coverage
• $100K liability coverage
• $1,000 deductible
• Property replacement coverage
• Good credit score

The remaining score included:

• Customer satisfaction from industry research (25%)
• Add-on coverages (10%)
• Financial strength ratings (5%)