Best Renters Insurance in Georgia

Toggle makes it simple to choose the level of coverage you need for your rental at the perfect price to fit your budget. Our team was able to get quotes on a basic, standard, and premium policy after submitting a name, address, and birthday with the basic policy costing only $5 per month. We had the flexibility to completely customize coverage amounts, and adding endorsements was as easy as toggling on the selections we wanted. We were able to purchase a plan in only 2 minutes that could start as early as today.

Here are the endorsements you can add to a Toggle plan:

• Pet Parent
• Replacement Cost
• Temporary Living Costs
• Side Hustle
• Identity Protector
• Significant Other

Although not explicitly stated in the quote process, we identified several discounts that customers are eligible for by speaking with a customer service representative.

• Diminishing deductible: For every year you don’t file a claim, your deductible will decrease with no added cost to your policy.
• Multi-policy: Customers who bundle with auto insurance are eligible to save with this discount.

Allstate provides some of the most comprehensive renters insurance coverage in the industry, making it our best overall provider. Their plans are flexible, allowing you to choose liability options of up to $500,000, and don’t have a limit on their loss of use coverage. Along with their traditional coverage, customers can purchase additional protection for items like jewelry, identity theft restoration, and scheduled personal property.

Allstate offers most of its endorsements via an Allstate agent. The endorsements are the following:

• Flood insurance endorsement
• Personal umbrella policy
• Scheduled personal property endorsement

Allstate provides the following discounts:

• 55 and retired discount: This discount is for renters who are 55 and older.
• Easy Pay Plan: This discount is available when you enroll your bank account into an automatic payment plan.
• Multi-policy discount: You’re eligible for this discount when you purchase additional insurance policies with Allstate.

As a veteran insurance provider with over 100 years of experience, Liberty Mutual offers customers an array of choices to personalize their renters insurance coverage. Offering five deductible options ranging from $250 to $5,000, Liberty policyholders can adjust their monthly premium to fit their budget. Coverage from Liberty Mutual starts as low as $5 per month, with customers choosing coverage in four main areas: personal property, loss of use, liability, and medical payments to others

Here are the endorsements you can add to a Liberty Mutual plan:

• Blanket jewelry coverage
• Earthquake coverage
• Portable electronics coverage

Liberty Mutual offers the following discounts:

• Claims-free discount: This discount is available if you haven’t filed a claim within the past five years.
• Early shopper discount: You’re eligible for this discount if you purchase a renters insurance policy from Liberty Mutual before your existing policy ends.
• Multi-policy discount: You can save by bundling additional policies with your renters insurance, such as an auto policy.
• Online sign-up discount: You can get a 10% discount by purchasing a renters insurance policy online.
• Preferred payment discount: This discount is available when you enroll in an automatic payment plan.

State Farm offers a variety of additional coverage options while providing affordable renters insurance policies. Covering losses from accidents, severe weather, and theft, State Farm allows you to customize your liability, loss of use, personal property, and medical payment coverage. While many renters insurance providers limit loss of use and personal property coverage to a certain dollar amount, State Farm has no limit.

Here are the endorsements you can add to a State Farm plan. Note that State Farm offers its flood insurance endorsement via an agent only.

• Backup or sewer drain endorsement
• Cyber event, identity restoration, and fraud loss endorsement
• Earthquake endorsement
• Flood insurance endorsement

State Farm provides the following discounts:

• Bundling discount: This discount is available when you bundle multiple policies with your renters insurance plan.
• Claim record discount: Those who haven’t filed a renters insurance claim within the past five years are eligible for this discount.
• Higher deductible discount: This discount lowers your renters insurance premium when you select a higher deductible.
• Home alert protection discount: This discount is available for those living in a home with installed smoke detectors and burglar and fire alarms.