Homeowners Insurance vs. Landlord Insurance in Georgia — Which Do You Need?

If you own a property in Douglasville or anywhere in Douglas, Carroll, or Paulding County that you're renting out — even occasionally — you may need a different type of insurance than you currently have.

Landlord vs homeowners insurance — know which one applies to your Georgia property

Homeowners Insurance: For Owner-Occupied Properties

A standard homeowners policy is designed for properties where the owner lives. It covers the dwelling, personal property, liability, and additional living expenses. Most homeowners policies do not cover properties rented out to tenants on a regular basis.

Landlord Insurance: For Rental Properties

A landlord policy — sometimes called a dwelling fire policy — is built for rental properties. It covers the structure, includes liability protection, and may cover loss of rental income if your property becomes uninhabitable after a covered loss. It does not cover your tenant's personal belongings — that's what renters insurance is for.

Let Our Douglasville Team Help You Decide

Using the wrong type of insurance can result in denied claims. Contact Hometown Insurance Group Jimenez Agency in Douglasville and let us make sure you have the right coverage — whether you're a homeowner, a landlord, or both.