Protect your rental income and investment properties with the right landlord coverage.
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Owning rental property in Georgia is a smart investment — but a standard homeowners policy is not the right tool to protect it. The moment you rent out a home, condo, or apartment, you need a landlord insurance policy (also called a dwelling fire policy or rental dwelling policy) designed specifically for non-owner-occupied properties and the unique risks that come with tenants.
Dwelling coverage protects the structure of your rental property — the walls, roof, plumbing, electrical, and built-in appliances — against fire, wind, hail, and other covered perils. Other structures coverage extends to detached garages and fences on the property. Landlord liability coverage protects you if a tenant or visitor is injured on the property and pursues a claim. Fair rental value coverage replaces lost rent income if the property becomes uninhabitable due to a covered loss while repairs are made.
Landlord policies do not cover the tenant's personal belongings — that is the tenant's responsibility through renters insurance. Standard policies also exclude flood damage, which requires a separate flood policy. Vacancy clauses may limit coverage if the property sits unoccupied for extended periods, so Brannon reviews those terms carefully when placing your policy.
Cartersville and Bartow County's growing population has created strong demand for rental housing. Whether you own one rental home or a small portfolio of properties, Brannon shops multiple carriers to protect your investment at the right price. Fill out the form above to get started.
Yes. Once you rent out a home, your homeowners policy typically excludes coverage for that property. A landlord policy is designed specifically for non-owner-occupied rentals and covers the structure, liability, and lost rental income.
The dwelling structure, other structures on the property, landlord liability if a tenant or visitor is injured, and fair rental value coverage if the property becomes uninhabitable after a covered loss. It does not cover the tenant's personal belongings.
Intentional tenant damage is typically excluded. Accidental damage during the tenancy may be covered depending on the policy. Requiring a security deposit and renters insurance from your tenants is the best defense against tenant-caused losses.
Most Georgia landlords pay 15 to 25 percent more than a comparable homeowners policy, roughly ,400 to ,800 per year for a single-family rental home, depending on location, property age, and coverage limits.
No. Insurance carriers charge the same price whether you buy directly from them or through an independent agent like Brannon — the carrier pays the agent's commission out of their own overhead, not by charging you extra. The real advantage of using an agent is that Brannon compares 20+ carriers on your behalf at no added cost, instead of you calling one company and hoping their rate is competitive.