Cheryl's Tax Shack & Insurance Agency
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  • Personal Insurance
    • Auto Insurance
    • SR22 / SR22A Insurance
    • Home Insurance
    • Mobile Home Insurance
    • Farm Insurance
    • Ranch Insurance
    • Flood Insurance
    • Vacant Home Insurance
    • Renters Insurance
    • Motorcycle Insurance
    • Boat / ATV Insurance
    • Travel / RV Insurance
  • Commercial Vehicle Insurance
    • Tractor Trailer Insurance
    • Bobtail Insurance
    • Motor Truck Cargo Insurance
    • Trailer Interchange Insurance
    • Tow Truck Insurance
    • Waste Haulers Insurance
    • Dump Truck Insurance
  • Business Insurance
    • General Liability Insurance
    • General Contractors Insurance
    • Artisans Insurance
    • Day Care Insurance
    • Barber Shop Insurance
    • Hair Salon Insurance
    • Restaurant Insurance
  • Make Payment
  • Report Claim
  • Tax Preparation
  • Free Notary
    • Privacy Policy
  • Accessibility Statement
Cheryl's Tax Shack & Insurance Agency

Renters Insurance to fit your budget and needs

CHERYL'S TAX SHACK & INSURANCE 
Call: (706) 778-6847

Low Cost Renters Insurance in Clarkesville, GA

All Renters should have Renter's Insurance

​Everything you need to know about Renters Insurance
Whether you dig maintenance-free living or you’re just not ready for a fixed-rate commitment, you rent. And you’ve got things, right? Over-priced purses, a near-complete baseball card collection of the ’85 world-champion Royals, or maybe even a beautiful assortment of bling.
Our agency will search far and wide to find you the right renters’ insurance to keep whatever goodies you’ve got properly protected.
What Is Renters Insurance?
Basically, it’s a contract between you and an insurance company, where the insurer will help to pay the tab if you, a visitor or your personal goodies get damaged due to any number of causes.
Is Renters Insurance Mandatory?
Nope. Unlike homeowners’ insurance, which is required by most mortgage lenders, purchasing renters’ insurance is up to you. In some cases, however, a landlord may require it. So I guess we should change that “nope” to a “maybe”?
Is Renters Insurance Worth It?
Take a good look around your place, and write down everything you own, down to the last popcorn kernel. Now, how much would it cost to buy all that stuff brand-new? Add it all up and the actual retail price is… most likely worth it.
Why Should I Get Renters Insurance?
Yes, it protects your things, but it can also help to cover the costs of lawsuits, living expenses if you need to move out temporarily, and medical bills if you or a visitor is injured. So for the monthly price of two burritos and a fountain drink, you could get yourself some solid peace-of-mind.

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What Does Renters Insurance Cover?
Your everyday, garden-variety renters’ insurance policy typically involves a trifecta of coverages that will financially keep you keepin’ on if the bad-luck bear decides to attack.

A renters’ insurance policy can include the following:
  • Personal property coverage: This will help pay for the cost of replacing damaged or lost goods.
  • Liability coverage: This will help to cover legal defense costs and medical bills for you or a visitor.
  • Additional living expense (ALE) coverage: If the rental property is too messed up to live in while it’s being repaired, some policies will pay for a hotel and other living expenses, like groceries.
How Much Does Renters Insurance Cost?
The average annual cost of renters’ insurance can vary state to state, based on the amount stuff you have (and how nice it is) as well as a number of other risk factors.
Why not call us for a quick no-obligation quote to see how much we can save you on Renter’s Insurance?
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​Insurance Considerations of Turning Your Extra Bedroom Into a Rental
If you live alone or have extra space in your home, you may have considered renting out a room in your house as an option to earn some extra income. Whether you live close to a vacation destination or are debating looking for a long-term tenant, renting a room in your home as opposed to an entire unit can often be a more affordable option for renters.
If you own a home, you already know you need homeowners insurance to protect your investment. But what insurance policy do you need to adequately protect your rental property?
Having the right insurance package can save you a headache in the long run. Here are a few things to know about insuring your rental property the right way:
Consider obtaining additional coverage. A standard homeowners insurance policy typically doesn’t cover damage that occurs when the space is being used as a rental.
Ensure your space qualifies as a rental. If you’re unsure about whether your situation is fully considered “renting,” contact your insurance provider. Different insurance companies have different rules for what qualifies as a rental, such as whether the person living there is a family member, whether the space has a separate entrance and how the space is attached to the main structure. Making sure you’re aligned to your insurance provider’s definition is key to choosing the right coverages.
Stay protected with Dwelling Fire insurance. If you are renting out your property for any length of time, you will need landlord insurance. Most landlord polices come standard with liability insurance, property damage and loss of income coverage, which reimburses you for rent lost as a result of the unit becoming uninhabitable. You can also take out additional coverages, such as flood insurance, to further protect your property.
Encourage tenants to get renters insurance. Although not required by state law, renters insurance is the only way your tenants can protect their belongings, because your landlord’s insurance won’t cover their personal property. It can also protect tenants from having to pay out of pocket for other common incidents like water backup damage and certain natural disasters – which helps you protect your investment.
Now that you have the full scoop on homeowners insurance for rental properties, it may be time to get a review of your homeowners insurance policy. We invite you to contact our office for a no-obligation review of all your insurance needs.
  • OUR PROMISE TO YOU
Our agency makes sure our customers receive the best possible price, with full attention to the amount and type of coverage they are provided. We refuse to allow our customers to be insured with a second-rate insurance company that may not always provide the best in claims or service or may tend to offer future rate increases that are unreasonable.
We are dedicated to providing our customers with insurance to meet every need using only the best rated companies along with our years of experience. This combination works very well for our customers, and we appreciate each one.
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