Lemonade Renters Insurance in Georgia
Renters insurance that actually makes sense.
Protect your stuff in Georgia for as little as $5/month
What does Lemonade renters insurance in Georgia protect me against?
Renters insurance protects your stuff against several potential damages (or “perils” in insurance speak). A standard renters insurance policy in Georgia covers perils like:
- Smoke
- Riots
- Theft
- Freezing
- Explosion
- Vandalism
- Aircraft
- Vehicles
- Fire or lightening
- Windstorm or hail
- Falling objects
- Volcanic eruption
Not covered: floods, normal wear & tear, mold, or intentional damage.
What does Lemonade renters insurance cover in Georgia?
Renters insurance in Georgia helps protect your belongings from unexpected events, and covers you if you accidentally damage someone else’s property or cause injury
Personal property coverage
We’ll help replace what you own if it gets stolen, damaged, or destroyed by a covered event
Temporary living expenses
Hotel bills, meals, laundry? We’ve got you covered if your place becomes temporarily unlivable by a covered event
Personal liability & medical bills
Accidents happen. We’ll help cover medical bills and legal costs if someone gets injured at your place
How much is renters insurance in Georgia?
As of January 2026, Lemonade renters insurance in Georgia typically averages between $20 and $25 per month. How much you actually pay will depend on factors like your location, how much coverage you select, and your deductible.
| Top GA Cities | Average Monthly Cost |
|---|---|
| Atlanta | $20-$25 |
| Savannah | $20-$25 |
| Augusta | $20-$25 |
| Athens | $15-$20 |
How does my coverage impact my premium?
More coverage means higher premiums, but it’s important to have enough protection in case the worst happens. Check how your personal property limit and deductible can impact your estimated premium in Georgia
How can I lower my renters insurance rate?
Renters insurance is generally quite affordable, but there are still some ways you can save
Bundle
Unlock discounts when you bundle your Lemonade Renters policy with our pet insurance
Security devices
Earn discounts if your rental property has fire or burglar alarms
Pay in full
Save even more when you pay your annual premium upfront rather than month-to-month
Customers love Lemonade renters insurance
Our customers rate Lemonade renters insurance 4.9 on Trustpilot. Don’t just take our word for it, check out what they’re saying.
Why Georgia renters need renters insurance?
Protection built for Southern living and Peach State risks
Tornado protection
Georgia faces intense tornadoes. Renters insurance covers damage to your belongings from wind, hail, and storm damage
Theft protection
Urban areas in Georgia see property crime. We'll cover your electronics whether it's a break-in or grab-and-go
Power outage coverage
Power outage or broken fridge? Our Food Spoilage Add-On covers your groceries and medication when they spoil
What’s the best renters insurance in Georgia?
Lemonade was designed to shine for Georgia renters — here’s why:
All in the app
Get a quote, manage your policy, and file claims, all from your phone
Coverage for you
Pick exactly what you need. No cookie-cutter policies
Claims paid fast
Most claims get handled in minutes, not weeks
Georgia renters insurance FAQs
Is renters insurance required in Georgia?
No, there’s no federal or state law requiring you to get renters insurance, but it is required by law that you comply with your lease. So, if those terms include having renters insurance, you need to make sure you’re covered.
Most landlords and property managers require you to provide proof of your renters insurance policy before you sign your lease. Sometimes, they’ll also ask for proof of insurance each time you renew your lease. Your landlord may even require you to list them on your policy as an interested party so that they’ll be notified if you cancel your policy.
Can I insure high-value items like jewelry or art?
Yes! Lemonade’s Extra Coverage provides enhanced protection (and zero-deductible claims!) for high-value items—like jewelry, cameras, bicycles, or art worth $350 or more. You’ll also be covered for accidental damage or mysterious loss, which a standard renters policy won’t cover.
Is my outdoor recreation equipment covered under Georgia renters insurance?
Yes! Your hiking gear, camping equipment, and outdoor recreation items are covered under your personal property coverage. So whether someone steals your tent from your car, or a storm damages your kayak, you’re covered.
However, expensive items like high-end camping gear might hit coverage limits. If you have thousands of dollars worth of outdoor equipment, consider adding Extra Coverage.
Are tornadoes covered under renters insurance in Georgia?
Yes, tornado damage is covered under Georgia renters insurance, including Lemonade policies. Your personal belongings and additional living expenses are protected if a tornado makes your rental uninhabitable due to damage or evacuation .
Does Georgia renters insurance cover hurricane damage to my belongings?
Yes, hurricane wind damage to your belongings is covered under Georgia renters insurance. However, consider separate flood insurance through National Flood Insurance Program (NFIP) for flood damage from hurricane storm surge, which we recommend for Georgia’s coastal areas and low-lying regions.
This post is general in nature, and any statement in it doesn’t alter the terms, conditions, exclusions, or limitations of policies issued by Lemonade, which differ according to your state of residence. You’re encouraged to discuss your specific circumstances with your own professional advisors. The purpose of this post is merely to provide you with info and insights you can use to make such discussions more productive! Naturally, all comments by, or references to, third parties represent their own views, and Lemonade assumes no responsibility for them. Coverage and discounts may not be available in all states. Lemonade Insurance analyzed policy rates to calculate average renters premiums as of January, 2026. This analysis is based on Lemonade’s internal data and is meant for illustrative purposes only; quotes may vary depending on individual circumstances. *Average monthly cost of insurance in Georgia cities sourced from Valuepenguin as of January 2026 https://www.valuepenguin.com
Continue Reading
Lemonade Renters Insurance in Atlanta, GA
Does Renters Insurance Cover Natural Disasters?
Protect your stuff against unexpected catastrophes.
Pet Insurance in Georgia
Cover your pet in the Peach State.
How Much Is Renters Insurance in 2026?
Hint: Renters insurance costs much less than you think.
How to Get Renters Insurance
Signing up is much easier and simpler than you think.
How to File a Renters Insurance Claim
How to file renters insurance claims fast and get your settlement quickly and smoothly.