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RENTERS INSURANCE · GEORGIA

Georgia renters insurance, properly scoped.

A renters policy is the lowest-cost serious insurance most people ever buy. It covers your stuff, your liability, and temporary housing if the apartment becomes unlivable. Rewritten often, read rarely, and nearly always underbought on liability. We fix that.

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WHAT'S COVERED

What a Georgia renters policy covers

Personal Property (C)

Covers belongings against fire, theft, water from plumbing, and most sudden losses. Default is $15k to $30k. Walk room by room.

Personal Liability (E)

Pays if someone is hurt in your unit or you damage the building. Default is $100k. Many landlords require $300k or $500k.

Loss of Use (D)

Pays for temporary housing and higher living costs if your unit is unlivable after a covered loss. Usually 20 to 30 percent of contents.

Medical Payments

Pays small medical bills if a guest is hurt in your unit, regardless of fault. Default is $1k to $5k. Avoids small claims.

Personal Property (C)

Covers belongings against fire, theft, water from plumbing, and most sudden losses. Default is $15k to $30k. Walk room by room.

Personal Liability (E)

Pays if someone is hurt in your unit or you damage the building. Default is $100k. Many landlords require $300k or $500k.

Loss of Use (D)

Pays for temporary housing and higher living costs if your unit is unlivable after a covered loss. Usually 20 to 30 percent of contents.

Medical Payments

Pays small medical bills if a guest is hurt in your unit, regardless of fault. Default is $1k to $5k. Avoids small claims.

IMPORTANT LIMITATIONS

What a renters policy does not cover

Flood

Excluded on every renters policy. Covered by NFIP or private flood. Tenants in ground-floor units in flood zones should buy a separate flood policy. Premiums for renters flood are low because there is no dwelling to cover.

The building itself

Your renters policy covers your stuff and your liability, not the walls, roof, or plumbing. The landlord's policy covers the building. If the landlord is underinsured, that is their problem, not yours.

Roommate property

Your policy covers your property and the property of immediate family members in the household. A roommate needs their own policy. Do not assume shared coverage.

High-value items without scheduling

Jewelry, firearms, and fine art have sub-limits of $1,500 to $2,500 per category. A $4,000 engagement ring is not fully covered without a scheduled personal property endorsement.

IMPORTANT LIMITATIONS

What a renters policy does not cover

Flood

Excluded on every renters policy. Covered by NFIP or private flood. Tenants in ground-floor units in flood zones should buy a separate flood policy. Premiums for renters flood are low because there is no dwelling to cover.

The building itself

Your renters policy covers your stuff and your liability, not the walls, roof, or plumbing. The landlord's policy covers the building. If the landlord is underinsured, that is their problem, not yours.

Roommate property

Your policy covers your property and the property of immediate family members in the household. A roommate needs their own policy. Do not assume shared coverage.

High-value items without scheduling

Jewelry, firearms, and fine art have sub-limits of $1,500 to $2,500 per category. A $4,000 engagement ring is not fully covered without a scheduled personal property endorsement.

OUR CARRIER PANEL

Carriers We Use for This Coverage

All carriers are A-rated by AM Best and appointed in the state. We compare them and recommend the right fit.

Common questions

What does a free coverage review actually involve?

You share your current policy or tell us what you have. We review it and tell you what you are covered for, what you are missing, and what it would cost to fix any gaps.

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Is Olive Cover going to try to sell me something?

We are going to tell you what we find. If your current coverage is right we will tell you that. You decide.

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My renewal went up. Should I shop around?

Usually yes, especially if it went up more than 15 percent. We can run quotes across our carrier network within a business day.

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What is the difference between my insurance carrier and my insurance agent?

Your carrier is the company that actually pays your claim. Your agent is who you buy from.

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GET STARTED

Your landlord requires a policy. We will write it in 15 minutes.

Send the landlord or property manager's insurance requirement, along with your move-in date. We will place a renters policy that meets the requirement and actually protects you for the things landlord-required minimums do not.

Roughly $150 to $300 per year

Free Coverage Review