Reasons You Need Renters Insurance

While renters insurance is not required under the law in the state of Georgia, some landlords do require it for you to reside in the house, mobile home, or apartment building you live in. The agents at the Chastain Agency Inc. in Gainesville, GA understand the important role renters insurance can play in people’s lives in the face of a tragedy.

Landlords will have a property insurance policy in place but that only protects the structure that you live in and not your personal belongings and other items.

There are many reasons that you should have a renters insurance policy in place and one of those is the fact that it’s a very inexpensive policy to obtain but offers so much protection for you and your family.

Personal Property Coverage

A renters insurance policy will cover your personal property which includes not only your clothing and household items but also your furniture and appliances if they are damaged or destroyed by a fire, a natural disaster, or an act of vandalism.


If your home is broken into and your stereo, TV, computer systems, and other items are stolen a renters insurance policy will help you replace those items. It will also help replace or repair items that are damaged during a break-in of your home.


You can also obtain liability insurance through your renter’s insurance policy that will protect you if someone is visiting your home and becomes injured do two something in the home that belongs to you Ann is not part of the landlord’s property. This part of your policy will help pay the injured person’s medical bills and time off work if necessary.

Get a Quote Today

To obtain a renters insurance policy that works best for you and your family, you can enlist the help of an insurance agent who has experience with renters insurance policies. Call the trusted renter’s insurance agents at Chastain Agency Inc. in Gainesville, GA today to obtain a quote and to get your policy started.