How to get Atlanta Nationwide renters insurance

Atlanta Nationwide renters insurance

Atlanta Nationwide renters insurance

There are a lot of perks to having an apartment and setting up your own space without having to buy a house. But along with the never-ending list of moving tasks or apartment tasks, there’s one thing you might not be looking forward to, and that’s renters’ insurance. Maybe you’ve decided that you want to get a quote for Nationwide Atlanta renters insurance. One problem, though – you’d prefer to get some help with that. Not a problem – here’s how our team can help you get your Nationwide renters insurance in Atlanta.

How to get Atlanta renters insurance from Nationwide.

You don’t have to feel like you’re completely on your own when you’re getting renters insurance in Atlanta, Marietta, Decatur, Sandy Springs, or Brookhaven (or whatever neighborhood or suburb of Atlanta you call home). In fact, our team will do the work for you – we just need some information from you. Anyways, this is how we get renters insurance quotes and how we make insurance easy.

1. You reach out to our team.

First things first – you have to let us know that you need to get an Atlanta renters insurance quote from Nationwide. That’s what gets the whole process started. And we like to keep things nice and convenient, so we’ve got a few different ways you can talk to us. (We don’t want you to feel like you’re jumping through inconvenient hoops to get insurance quotes.)

Phone. You might prefer talking on the phone to get your quote started. A quick phone call to let us know you’re on the hunt for insurance and we’ll connect you with an agent who can help with your insurance needs.

Online form. You can also fill out our online form to get started with your quote. This lets us get some of the necessary details we need to get you a quote for Nationwide renters insurance in Atlanta so we can jump right to the task at hand.

LiveChat. You can also use our LiveChat messenger to talk to an agent about getting Nationwide renters insurance. We don’t mind hopping in a chat if that’s easiest for you.

Email/Text. If none of the above options seem like the best thing for you, no problem. Just let us know that you’d like to email or text instead and we’re happy to do that. You might be on the move, and you can’t slow down to talk on the phone – and that’s fine.

2. Talk to one of our agents.

We’ll connect you with one of our amazing insurance agents, who will need you to answer a few quick questions. (We need some information to get your quote.) Anyways, kick back and enjoy your interview! Your agent wants to get to know you so they can best assist with your insurance. And then you’re one step closer to getting your quote for Nationwide renters insurance in Atlanta.

3. We get that Nationwide Atlanta renters insurance quote for you.

The next part of the process is us retrieving that renters insurance quote for you. We’ll sort everything out on our end and come back to you with your Atlanta Nationwide renters insurance quote. We also do our best to be snappy about it, so we won’t drag our feet and keep you waiting.

4. We’ll give you the quote and answer questions.

We’re not just going to throw a number and some paperwork at you and then leave you to sort through it and figure out what it means. We’ll take the time to go over your quote with you, answering any questions you have about it. (And don’t hold back with your questions – send them all our way! We want you to feel confident in how your coverage protects you.) So, don’t hesitate to ask about things you need clarification on.

5. We’ll be around.

We’re not going to disappear and be unreachable after you get your insurance. If you have any questions or issues that come up afterwards, we’ll be here to help. Don’t hesitate to call, email, or message if you need anything – that’s what we’re here for. You’re not on your own to deal with insurance matters.

So that’s what going into the process of getting a Nationwide renters insurance quote in Atlanta. Whatever Atlanta suburb is your home (Woodstock, Kennesaw, Marietta, Dunwoody, Smyrna, you name it) we’d be happy to help you get your renters insurance from Nationwide.

What is Atlanta renter’s insurance?

What is Atlanta renter's insurance

Atlanta renter's insurance can protect your personal belongings.

If you’re like many Atlantans, you might rent an apartment or a house. Lots of people are apartment dwellers. You love your place, but the question to ask yourself is are you properly insured? Sometimes Murphy’s law gets in the way and creates a bit of chaos. And when that happens, you might need Atlanta renter’s insurance to set things right.

What is renters’ insurance, you might ask? Why needs renter’s insurance? Does my landlord’s insurance cover me? These are just a few of the questions you might have, and we’re going to answer them.

What is renters’ insurance?

Atlanta renter’s insurance is like home insurance, but it’s intended for people who, well, rent an apartment instead of owning a home. It provides coverage for your personal belongings and liability. However, it won’t provide coverage for the building or structure. (Your landlord’s insurance would cover the building itself.)

So, renter’s insurance would help you build a financial safety net for your bank account so that you won’t get totally cleaned out if something happens at your apartment and things go a little haywire.

Who needs renter’s insurance?

If you rent an apartment or a house, you might want to consider it so you can protect yourself financially. Imagine if a fire tore through your apartment or a crafty burglar made off with your stuff. Imagine if a guest tripped and took a bad – and expensive – fall…and you’re found responsible.

You might be scratching your head and thinking, well my stuff isn’t all that expensive…But chances are you have more stuff than you think crammed into your place. Think about your electronics, furniture, clothes, shoes, and so on. It would probably cost quite a bit to replace all of your belongings. And if someone tripped and fell, like in our scenario above, their medical expenses (or even a lawsuit) could get super expensive.

Does my landlord’s insurance cover me?

Maybe you’re wondering: What’s the point of Atlanta renter’s insurance? Doesn’t my landlord’s insurance cover me?

Well, to answer the question simply, no. Your landlord’s insurance will probably not cover your personal belongings, and it might not cover your liability if someone gets hurt in your apartment or rented house.

Like we said earlier, your landlord’s insurance only covers the structure of the building itself. So, if there’s a fire, their insurance would pay to rebuild it, but it won’t pay to replace your belongings. You’d be on your own.

Atlanta renter's insurance provides liability insurance.

What does Atlanta renter’s insurance cover?

Your personal property.

If you have a covered loss (i.e. fire, burglary, or vandalism) your renter’s insurance can replace the belongings that were destroyed.

But a quick tip – check and see if the policy has actual cash value coverage or replacement cost coverage.

Here’s why:

Actual Cash Value will only give you the depreciated value of your belongings (their value at the time of the loss.) This may not be enough for you to replace your belongings at today’s prices.

Replacement cost coverage can allow you to replace your belongings at today’s prices.

So, that’s just something to be aware of when you’re choosing the renter’s insurance that’s right for you.

Liability.

You could be found liable if someone gets hurt in your apartment or if you cause property damage. Your renter’s insurance can help you cover the expenses you’re obligated to pay.

So, if a visitor trips in your apartment, gets hurt, and decides to sue, you might be responsible for their medical expenses and legal or court-ordered judgments. But your renter’s insurance can come to the rescue.

Additional living expenses.

What would happen if you’re apartment had a fire and you couldn’t live there anymore?

Here’s another cool trick that Atlanta renter’s insurance does:

Your renter’s insurance policy might cover additional living expenses. That means that if a covered loss forces you to leave your home because it’s uninhabitable, your “extra expenses” would be covered. For example, you might have to stay in a hotel. Those are expenses above your normal living costs, so your renters’ insurance may reimburse you. (Just be sure to hold onto your receipts!)

Those extra bills could become a real burden, but with renter’s insurance, you can put that money back into your wallet.

Am I required to have renter’s insurance?

Your landlord might require you to have renter’s insurance. This just ensures that you’re covered and that any potential liability situations would be taken care of.

And you can get an Atlanta renter’s insurance policy by working with our team of agents. We can help you get the coverage you need for your rented house or apartment. Getting started with quotes is easy – all you have to do is fill out our online quote form or give us a call today.

How to find the Atlanta renters insurance that’s right for you

Renters insurance can help you protect your belongings.

Renters insurance can help you protect your belongings.

If you rent an Atlanta apartment or home, you may be considering getting renters insurance. The world of insurance can be overwhelming, and you might have some questions about it, such as what it covers, how much it costs, and what to look for in a renters insurance policy. And then there’s the question if whether or not your landlord’s insurance will already cover your belongings. So, here we go – we’re going to answer those burning renters’ insurance questions!

Does my landlord’s insurance cover me?

No. In most cases, it does not. Their policy will only cover the structure itself, not your belongings and treasures. That’s why it’s so important to consider renters’ insurance. If there was a fire or you get burgled, your belongings would not be covered, and replacing the possessions that were lost could be a substantial financial hit.

So, what is covered by renters insurance?

Your insurance can protect you against losses like fire, smoke, lightning, vandalism, and theft. The cool thing is that your renters’ insurance will most likely follow your belongings – and you – wherever you go.

Renter’s insurance also covers your liability, meaning your legal obligation if you’re found responsible for causing someone bodily harm or property damage. So, you’re most likely covered if a guest trips over a rug, breaks their wrist, and decides to sue. Legal defense and judgments are also typically covered.

How much does renters insurance cost?

It is most likely not as expensive as you might fear. You’re only covering your belongings, not the structure itself (that’s the landlord’s purview.) If you decide to get a renters insurance quote, you’ll probably be pleasantly surprised at how affordable it is.

What other factors do I have to consider?

Do you have a dog? Some insurance companies can be funny about covering certain breeds or sizes of dogs. You’ll have to make sure that your fluffy friend is covered under the policy you choose and see how a dog may affect your insurance rates.

Can you bundle and save? You might be able to bundle the renters’ insurance with your auto insurance and save money. Insurance companies like it when you get more than one policy from them, so they might give you a discount. And who doesn’t love a good discount?

Are there any exclusions? Make sure you know exactly what is and is not covered under your policy. For example, flooding is most likely not covered by renters insurance. If there are any exclusions or gaps, you may have to add extra coverages to your policy.

Is relocation covered? You need to know what would happen if something changes and you have to move out of the apartment or house. Will your policy help you cover the costs of relocation?

Do you have valuables such as jewelry? If you have any valuables, you’ll need to make sure you check the limit of coverage for them to see if it’s enough. If it’s not enough, you’ll have to find out how you can add extra coverage for your jewelry.

Renters insurance helps protect your belongings while you’re renting a place. Don’t make the mistake of assuming that your landlord’s insurance covers your belongings, only to discover that it doesn’t. Instead, take matters into your own hands and look into getting a renters insurance policy. It might take a little bit of looking to find the one that’s right for you, but it’s worth it for the peace of mind you’ll enjoy. And you’re not in it alone – we can help you find the insurance plan that’s right for you. To get renters insurance quotes and shop for the best rate, all you have to do is fill out our quote form or give us a call today.

Do I have enough Atlanta home insurance to cover the cost of my jewelry?

Check your home insurance policy to see what it's limit of coverage is for jewelry.

Check your home insurance policy to see what it's limit of coverage is for jewelry.

Your home insurance is designed to protect you and your family from loss. But unfortunately that homeowners insurance comes with limits – knew there had to be a catch somewhere! One thing that might be subject to a strict limit is jewelry. You know that you need to protect your home from burglary, but you also need to consider what your insurance will cover where valuables are concerned. Some homeowners and renters policies have a limit as low as $1000 for jewelry. Depending on the bling you have, this may not be enough to cover everything if your jewelry is stolen or destroyed. You’ll have to review your policy carefully to see what your jewelry limit is.

If you find that you don’t have enough coverage for all of your jewelry, you have a few options to make sure it’s fully protected.

Valuable items endorsement:

An endorsement is an addition to your policy that can change it. In the case of valuables or jewelry, items included in the endorsement are scheduled onto a list. Basically, an endorsement for jewelry can provide coverage for the treasures that you want to protect by giving you an appropriate limit of coverage.

Floater:

A floater is another way to add coverage for your jewelry. It covers items that are easily moved, and they’re used to increase the limit of coverage for valuable belongings. If you have a pricey bracelet, brooch, ring, or necklace, for example, a floater can help you increase your coverage for the piece.

Valuable items policy:

If you have a very expensive piece of jewelry, for insurance a diamond necklace worth more than $10,000, you can get an entirely separate policy to cover it. Items that are very expensive may not get enough coverage from a floater or endorsement, which is why you might need to consider taking out a completely separate policy rather than adding it to your home insurance.

How much coverage do I need?

That depends on the item you want to insure. At any rate, you need to make sure that whatever method you use to insure your jewelry will cover replacements made of similar materials and type. Also, you should consider taking a home inventory so that you know exactly which pieces of jewelry you need to get additional coverage for.

To figure out what kind of limits you should be looking at, you’ll need to have your jewelry appraised by a specialist. Ask them to list each item you’re having appraised separately and to note a description and the value. Keep in mind that you’ll need to update your appraisals every once in a while because prices change and markets fluctuate. You need to have a current appraisal so that you can keep your insurance up-to-date and make any necessary changes to your policy.

Pro tip: Don’t forget that your monitored security system can qualify you for a discount on your home insurance.

In conclusion:

Home or renters insurance policies usually have strict limits of coverage for jewelry, and these limits may not be enough to fully cover all of the valuables in your possession. You need to review your policy, and if the value of your jewelry exceeds the limit specified in your policy, you’ll have to talk with your agent about ways to get the right coverage. Make sure you have the insurance you need to protect your jewelry and don’t underestimate the value of your belongings. When in doubt, have the jewelry appraised. It’s worth it to ensure that you’ll get the money you need to replace the piece of pieces that were stolen or destroyed.

Do you need home or renters insurance? We’d love to get you some free quotes for your coverage – it’s what we do. We can help you build an insurance plan to protect your home, valuables and all. Just fill out our online quote form or give us a call today to get started.

How to make sure your college student is properly insured

Make sure that your college student is properly insured.

Make sure that your college student is properly insured.

The moment has arrived. Your baby is headed off to college. They’re all grown up and ready to venture into the world. You know that it’s time for them to spread their wings. And you’ve got a lot on your mind, too, with your student heading off to college – dorm room decor, last-minute shopping, making sure that your student has all of their textbooks. The last thing you might want to think about is insurance, but it’s essential that your student is covered. We’ll give you some things to think about insurance-wise before your grown-up child starts their first semester and answer some of the questions you might have.

1. Will your home insurance cover your student’s belongings if they live on-campus?

That depends on your policy. Most policies will cover your students’ belongings if they’re in a dorm, so you might have coverage for disasters like theft and fire. You’ll need to do a review of your home insurance policy and think about the particulars of where your student will be living. Make sure that you know what is covered and what the limits of coverage will be for your students’ belongings.

2. What if my student lives off-campus? Will my home insurance still cover them?

If your student lives off campus in an apartment, your policy will most likely not cover their belongings. You may need to consider getting a renters’ insurance policy to make sure your student has the coverage they need. Make sure to spend some time talking about apartment safety before your student moves out.

If your student is living off-campus, you might have to consider renters insurance.

This will protect them from disasters like theft and fire, but it will also add liability coverage in case anyone gets hurt at their place. Renters insurance is not terribly expensive, so it might be worthwhile to look in to.

3. Do I need to keep my student on my auto policy?

Yes. Let’s be real – when your student comes home for winter and summer break, they’re going to want to borrow the car. And they’ll be able to access the car, so it’s probably a good idea to keep them on the policy.

However, if your student goes to school over 100 miles away and does not take a car with them, you might qualify for a discount on your premiums. Discounts are always nice!

4. What if my student takes a car with them to college? How will that affect my auto insurance?

You’ll have to talk to your agent and tell them that your child is taking a car to school with them. It could impact your rates and the coverages that you need. It depends on your particular auto policy.

Your auto insurance might change if your student takes a car with them to school.

5. What about health insurance?

There are a few things to consider here. Your child can stay on your health insurance until they’re 26, so chances are you can keep them on your plan if that works for you. But if there aren’t in-network providers nearby, you might want to consider alternatives for getting health insurance for your student. It could get tricky if your student is going to college out-of-state, too.

Many colleges offer their own health insurance plans, so you can explore that option. You can also think about getting an individual health insurance plan. There are also college student plans that are specifically for students. It all depends on the coverages that are offered, the cost, what you need, and the network of providers. Do some research on your options and figure out what makes the most sense for you.

Before your child goes off to college, make sure that they have the health insurance they need for if they get sick or hurt, especially if they’re going to be playing sports.

There are different options for health insurance for college students.

This is an exciting time in your child’s life, but it can also get stressful with all of the insurance details to consider. But just take it one day at a time. Check on your home insurance, auto insurance, and health insurance and figure out what’s best for your family, and you’ll breathe easier knowing that your student is covered while they’re at school. You’re about to be the proud parent of a college student, but they still need your help to make sure that they’re properly insured while they’re studying.

We can help you review your options for covering your student, and we can help you make sure that they have the coverage they need. All you have to do is give us a call or fill out our quote form – we’d be happy to answer any questions you might have and help you find some great rates on your insurance. Our goal is to help you protect your family.