Immediate openings for remote positions
Apply Now
  • Skip to primary navigation
  • Skip to main content
  • Skip to primary sidebar
  • Skip to footer
3600 Mansell Rd #525, Alpharetta, GA 30022
  • About
  • Blog
  • Careers
  • Cause
  • Contact
SSI Logo 2021

Southern States Insurance

Georgia Insurance Brokerage

  • About
    • Blog
    • Careers
    • Cause
    • Contact
  • Business
    • Auto
    • BOP
    • Crime
    • Cyber Liability
    • D&O
    • EPLI
    • E&O
    • General Liability
    • Group Health
    • Property
    • Umbrella
    • Workers Compensation
  • Specialty
    • ATV
    • Boat
    • Farm & Ranch
    • Fine Art
    • Flood
    • Golf Cart
    • Guns, Furs & Jewelry
    • Motorcycle
    • RV
    • Special Event
  • Personal
    • Auto
    • Homeowners
    • Life
    • Rental & Vacation Home
    • Renters
    • Umbrella
  • Industries
    • Bakery
    • Church
    • Construction
    • Dietary Supplement
    • General Contractor
    • Hair & Beauty Salon
    • HOA
    • NEMT
    • Security Guard
  • (888) 971-6304
  • Request A Quote
  • Log In

4 Things Even Good Renter’s Insurance Does Not Cover

› Personal Insurance › Renters Insurance › 4 Things Even Good Renter’s Insurance Does Not Cover

May 10, 2012, by Southern States Insurance

4 Things Even Good Renter’s Insurance Does Not Cover

What does renters insurance not cover?What Is Not Covered By A Renters Insurance Policy

Most renters insurance policies have limits to how much insurance carriers will pay for certain property items. Your limit can be changed at any time if you acquire contents that would insist additional renters insurance coverage.
Answering the question, “What does renters insurance not cover?” is crucial to having the best renters insurance coverage for your needs.
We want to help you to be sure all of your property is covered and our insurance agents can help you decide how to do that.
Common Renters Insurance policy limits create the potential for the following items to most likely exceed coverage limits. In an event of total loss they may not be replaced with out adding necessary coverages. Focus on these items value in your apartment or condo and compare it to your policy’s coverage limits.

  1. Jewelry
  2. Art
  3. Collectables
  4. Electronics

How Can You Be Sure Everything Is Covered?

If you do have expensive jewelry, art, collectables or electronics that may exceed your renters insurance coverage limits you can additionally cover them through a scheduled floater policy.
Your items of high value will be appraised and insured for their value separate to your renters insurance policy limits. This will provide the necessary protection you need on all of your valued items. Our agents can help you through this process and assist you in insuring everything you need.
In the event of something happening to your apartment, together we can be sure you are restored back to whole as soon as possible because of good insurance coverage.

What Does Renters Insurance Cover?

The list of what is not covered is very minimal compared to this list of what renters insurance does provides coverage for. Renters Insurance is one of the most comprehensive coverages for such an affordable price.
Renters insurance covers:

  • Fire
  • Theft
  • Vandalism
  • Personal Property such as laptops or bikes, wherever you take them
  • Indirect cost of another place to live if your apartment becomes uninhabitable
  • Injury you cause to another person
  • Damage you cause to another person’s property
  • And more…

Apartment Renter’s insurance includes most the coverages you will likely need while living in your apartment, condo, or town home. Although, it does have the exceptions mentioned and you need to know where your renters insurance limits stand to have your apartment best covered for loss.

What You Need To Do Now

Simple — know what is in your policy and what coverage you need.
Our Georgia insurance company wants to provide you with the best renters insurance coverage for YOU! That can mean many things and it is essential to have good renters insurance that you survey your belongings and assess their value. Look into your policy to know if you exceed any limits that would stress your coverage.
Our insurance agents will be glad to help, quote your insurance, or provide some genuine advice.
Now, you need to do what is best for your apartment and your success. If you are renting a home, this is the coverage to protect you and your property. Our agents will help you understand coverages in more detail and answer any questions.

Is Renters Insurance Worth It?

Yes. Without a doubt, renters insurance is something every renter needs to have in place. Renters insurance offers a comprehensive amount of coverage at little cost. Most renters insurance policies we write, our clients pay less than a dollar a day to insure their apartment’s, condo’s, or town home’s contents.
Southern States Insurance strives to give you the best resources to stay educated on your insurance needs. Even if you are confident you have good renters insurance for your contents, there are exceptions that can exist and exclude some property. Depending on your contents some contents may exceed your coverage limit and may require further action. We will be here to help you.
If you have fine jewelry, irreplaceable art pieces, high value collectables, and/or luxury electronics we recommend you have them appraised and learn if they exceed your coverage limit. Insuring them separately from your renters insurance with a scheduled stand alone floater policy will provide the coverage you need.

Get A Free Renters Insurance Quote Today

Why?
Because if something were to happen and you were to lose your apartment or all of your stuff without Renters Insurance coverage it is simply gone.
Because renters insurance policies will help you pay for the loss, replace your property, and put you up in a new apartment.
If you need additional coverage our agents can help you. A scheduled personal property is the answer to avoid common limits on renters and homeowners insurance coverages. Often this is a misunderstanding and many of our renters insurance clients believe because the contents are in their apartment they are safe. Let us help you protect your property and rest in the assurance of good insurance.
Get a free renters insurance quote today.

categories iconRenters Insurance

Primary Sidebar

Have a Question?

  • This field is for validation purposes and should be left unchanged.

*Insurance coverage cannot be bound or changed via submission of any online form/application provided on this site or otherwise. No binder, insurance policy, change, addition, and/or deletion to insurance coverage goes into effect unless and until confirmed directly by a licensed agent.

Refer a Friend

Know someone who needs insurance? Refer them to us, and we will give you a gift card and donate to charity.

Find out more

Agents Growth Academy

Interested in taking your insurance career to the next level? Join us on our podcast to learn how to get started!

Business woman on phone with insurance agents

Get In Touch Today!

Speak with one of our insurance brokers to receive a custom quote.

Contact Us

Footer

SSI Logo
3600 Mansell Rd #525
Alpharetta, GA 30022
(888) 971-6304

Company

  • About
  • Blog
  • Careers
  • Cause
  • Contact
  • Make Payment
  • Refer A Friend

Insurance

  • Business
  • Specialty
  • Personal
  • Industries

Disclaimer

*The above description provides a brief overview of the terms and phrases used within the insurance industry. These definitions are not applicable in all states or for all insurance and financial products. This is not an insurance contract. Other terms, conditions and exclusions apply. Please read your official policy for full details about coverages. These definitions do not alter or modify the terms of any insurance contract. If there is any conflict between these definitions and the provisions of the applicable insurance policy, the terms of the policy control.”

© 2022 Southern States Insurance · Powered by 321 Web Marketing · Website Privacy Policy & Terms of Use