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LANDLORD INSURANCE · GEORGIA

Landlord insurance for Georgia rental property owners.

A homeowners policy does not cover rental property. Once you rent your home to a tenant, most carriers require a separate DP-3 dwelling policy. Landlord insurance covers the structure, loss of rent, and your liability as the property owner.

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WHAT'S COVERED

What landlord insurance covers

Dwelling Coverage

Covers the physical structure: dwelling, attached garages, and permanent fixtures against fire, wind, hail, and other perils.

Loss of Rental Income

Pays your lost rental income if the property becomes uninhabitable due to a covered loss while it is being repaired.

Landlord Liability

Covers your liability if a tenant or visitor is injured on the property.

IMPORTANT LIMITATIONS

What landlord insurance does not cover

Tenant's personal property

Tenant's personal property is the tenant's responsibility. Encourage your tenants to carry renters insurance.

Flood damage

Flood damage is excluded. A separate flood policy is required.

Intentional tenant damage

Damage caused deliberately by a tenant may be excluded or subject to a separate claim process depending on the carrier.

OUR CARRIER PANEL

Carriers We Use for This Coverage

All carriers are A-rated by AM Best and appointed in the state. We compare them and recommend the right fit.

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CLAIMS TIPS

If You Need to File a Claim

Practical guidance for the first 24 hours, what to document, common mistakes to avoid, and when to call us.

Common questions

Can my insurance carrier deny my claim?

Yes, for specific policy reasons that must be in writing. You can challenge a denial.

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What is a recorded statement and should I give one?

An on-record interview the carrier uses for the file. Give one, but prepare first and never speculate.

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What happens after I report a claim to my insurance carrier?

Acknowledge, assign adjuster, investigate, decide. Most carriers move within 7-30 days for routine claims.

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Do I have to use the carrier's preferred contractor?

Usually no. Most policies let you choose any licensed contractor, though preferred shops have their own benefits.

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GET STARTED

Own a rental property in Georgia?

Rental property coverage is one of the most commonly misunderstood in Georgia. Send us your property address and rental arrangement and we will compare DP-3 carriers and explain exactly what you are covered for.

$1,000 to $3,000 per year for Georgia landlords

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