The Most Underrated Insurance Policy

If you rent your home or apartment in the Augusta or North Augusta area, chances are you don't have renter's insurance. You're not alone — only about 55% of renters nationwide carry a policy. But at $12–$25/month, it's one of the best financial decisions you can make.

What Renter's Insurance Covers

• Personal property — Furniture, electronics, clothing, and other belongings damaged by fire, theft, vandalism, or covered weather events
• Liability protection — If someone is injured in your rental or you accidentally damage someone else's property
• Additional living expenses — If your rental becomes uninhabitable, coverage for temporary housing and food costs
• Off-premises coverage — Your belongings are covered even when they're not at home (car break-in, stolen laptop at a coffee shop)

What It Doesn't Cover

• Your landlord's building or property
• Flood damage (separate policy needed)
• Your roommate's belongings (they need their own policy)
• High-value items above standard limits (jewelry, art — need scheduled coverage)

Quick Math: Why You Need It

Walk around your apartment and add up the cost of replacing everything:

• Furniture: $3,000–$8,000
• Electronics (TV, laptop, phone, etc.): $2,000–$5,000
• Clothing: $2,000–$5,000
• Kitchen items: $500–$2,000
• Other personal items: $1,000–$3,000

Most renters have $15,000–$30,000+ in belongings. A renter's policy protecting all of that costs about $15/month. The math is overwhelmingly in your favor.

Discounts Available

• Bundle with auto insurance for 5–15% off
• Gated communities or secured buildings
• Non-smoker discount
• Claims-free discount

Get Covered in 5 Minutes

Renter's insurance is one of the fastest policies to set up. Contact us and we'll have you covered before your next Netflix episode ends.