{"id":632,"date":"2022-04-15T10:00:00","date_gmt":"2022-04-15T10:00:00","guid":{"rendered":"https:\/\/www.southernharvestinsurance.com\/blog\/?p=632"},"modified":"2025-08-13T19:43:58","modified_gmt":"2025-08-13T19:43:58","slug":"renters-insurance-in-georgia","status":"publish","type":"post","link":"https:\/\/www.southernharvestinsurance.com\/blog\/renters\/renters-insurance-in-georgia\/","title":{"rendered":"Can You Insure Your Collectibles with Renters Insurance in Georgia?\u00a0"},"content":{"rendered":"<div class=\"c-section\">\n    <div class=\"c-article\">\n        <div class=\"o-wrapper o-wrapper--small\">\n                                                            <picture class=\"c-article__pic\">\n                    <img decoding=\"async\" class=\"c-article__img\" loading=\"lazy\" src=\"https:\/\/www.southernharvestinsurance.com\/blog\/wp-content\/uploads\/sites\/2\/2022\/04\/can-you-insure-your-collectibles-with-renters-insurance-in-georgia.jpg\" alt=\"collectibles\" width=\"320\" height=\"160\">\n                <\/picture>\n                                        <div class=\"c-article__content\">\n                <div class=\"s-cms-content\">\n                    <div class=\"edit-post-visual-editor__post-title-wrapper\">\n<div data-grammarly-part=\"button\">\n<div>\n<div>\n<div class=\"_1rJ5M\">\n<div class=\"_2fxoL\">\n<div>If you\u2019re a collector of valuable items living in a rental property, make sure that your collection is protected in the event something happens to damage or destroy them or someone steals them. The coverage of your <a href=\"https:\/\/www.southernharvestinsurance.com\/renters-insurance\/\" target=\"_blank\" rel=\"noreferrer noopener\">renters insurance<\/a> policy only goes so far. It may not be enough to cover valuable items such as your fine art, expensive jewelry, sports memorabilia, or even a precious action figure collection.<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"is-root-container block-editor-block-list__layout\" data-is-drop-zone=\"true\">\n<h2 id=\"block-ad783608-c225-4e7c-8446-31dd8f23a86a\" class=\"block-editor-rich-text__editable block-editor-block-list__block wp-block wp-block-heading rich-text\" role=\"document\" aria-label=\"Block: Heading\" data-block=\"ad783608-c225-4e7c-8446-31dd8f23a86a\" data-type=\"core\/heading\" data-title=\"Heading\">What Is Covered Under Your Georgia Renters Insurance?<\/h2>\n<p id=\"block-7d4406d1-bc7b-42f9-946d-d958649f5b49\" class=\"block-editor-rich-text__editable block-editor-block-list__block wp-block wp-block-paragraph rich-text\" role=\"document\" aria-label=\"Paragraph block\" data-block=\"7d4406d1-bc7b-42f9-946d-d958649f5b49\" data-type=\"core\/paragraph\" data-title=\"Paragraph\" data-empty=\"false\">Renters insurance provides you with liability coverage in the event someone is injured in your rental home and protection for your <a href=\"https:\/\/www.southernharvestinsurance.com\/blog\/renters\/does-renters-insurance-cover-storage-units-in-georgia\/\" target=\"_blank\" rel=\"noreferrer noopener\">personal belongings<\/a> in case they are damaged or destroyed in a perilous event or stolen. Perilous events include:<\/p>\n<ul id=\"block-18205ae0-e975-4d7e-84fc-ac15464fb007\" class=\"block-editor-rich-text__editable block-editor-block-list__block wp-block wp-block-list rich-text\" role=\"document\" aria-label=\"Block: List\" data-block=\"18205ae0-e975-4d7e-84fc-ac15464fb007\" data-type=\"core\/list\" data-title=\"List\">\n<li>Fire<\/li>\n<li>Wind<\/li>\n<li>Smoke<\/li>\n<li>Water damage<\/li>\n<li>Lightning<\/li>\n<li>Explosions<\/li>\n<li>Vandalism<\/li>\n<li>Theft<\/li>\n<li>Falling objects<\/li>\n<li>Appliance malfunction<\/li>\n<\/ul>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-633 aligncenter\" src=\"https:\/\/www.southernharvestinsurance.com\/blog\/wp-content\/uploads\/sites\/2\/2022\/04\/can-you-insure-your-collectibles-with-renters-insurance-in-georgia-2.jpg\" alt=\"renters insurance policy with pen\" width=\"517\" height=\"345\" srcset=\"https:\/\/www.southernharvestinsurance.com\/blog\/wp-content\/uploads\/sites\/2\/2022\/04\/can-you-insure-your-collectibles-with-renters-insurance-in-georgia-2.jpg 1000w, https:\/\/www.southernharvestinsurance.com\/blog\/wp-content\/uploads\/sites\/2\/2022\/04\/can-you-insure-your-collectibles-with-renters-insurance-in-georgia-2-300x200.jpg 300w, https:\/\/www.southernharvestinsurance.com\/blog\/wp-content\/uploads\/sites\/2\/2022\/04\/can-you-insure-your-collectibles-with-renters-insurance-in-georgia-2-768x512.jpg 768w, https:\/\/www.southernharvestinsurance.com\/blog\/wp-content\/uploads\/sites\/2\/2022\/04\/can-you-insure-your-collectibles-with-renters-insurance-in-georgia-2-600x400.jpg 600w, https:\/\/www.southernharvestinsurance.com\/blog\/wp-content\/uploads\/sites\/2\/2022\/04\/can-you-insure-your-collectibles-with-renters-insurance-in-georgia-2-960x640.jpg 960w, https:\/\/www.southernharvestinsurance.com\/blog\/wp-content\/uploads\/sites\/2\/2022\/04\/can-you-insure-your-collectibles-with-renters-insurance-in-georgia-2-244x163.jpg 244w, https:\/\/www.southernharvestinsurance.com\/blog\/wp-content\/uploads\/sites\/2\/2022\/04\/can-you-insure-your-collectibles-with-renters-insurance-in-georgia-2-285x190.jpg 285w\" sizes=\"(max-width: 517px) 100vw, 517px\" \/><\/p>\n<h2 id=\"block-4c327dad-186a-4380-8113-30c0d79a6b35\" class=\"block-editor-rich-text__editable block-editor-block-list__block wp-block wp-block-heading rich-text\" role=\"document\" aria-label=\"Block: Heading\" data-block=\"4c327dad-186a-4380-8113-30c0d79a6b35\" data-type=\"core\/heading\" data-title=\"Heading\">Are Collectibles Considered Personal Belongings?<\/h2>\n<p id=\"block-c4f8218f-1d32-4464-ba05-c79114bc69bd\" class=\"block-editor-rich-text__editable block-editor-block-list__block wp-block wp-block-paragraph rich-text\" role=\"document\" aria-label=\"Paragraph block\" data-block=\"c4f8218f-1d32-4464-ba05-c79114bc69bd\" data-type=\"core\/paragraph\" data-title=\"Paragraph\" data-empty=\"false\">The personal belongings covered under your <a href=\"https:\/\/www.southernharvestinsurance.com\/blog\/renters\/the-high-cost-of-skipping-renters-insurance-in-georgia\/\" target=\"_blank\" rel=\"noreferrer noopener\">renters insurance policy<\/a> in Georgia usually refer to things you use daily like your clothing, furniture, kitchenware, toys and sporting equipment and some electronics. Although you may consider luxury items like jewelry, fine art, or collectibles like sports memorabilia and trading cards as your personal belongings, their value may far <a href=\"https:\/\/www.southernharvestinsurance.com\/frequently-asked-questions-renters-insurance\/#question-3\" target=\"_blank\" rel=\"noreferrer noopener\">exceed what is covered<\/a> under your standard renters insurance policy.<\/p>\n<p id=\"block-ea43137c-fc22-47e6-8c0e-3aa85fcc7c0b\" class=\"block-editor-rich-text__editable block-editor-block-list__block wp-block wp-block-paragraph rich-text\" role=\"document\" aria-label=\"Paragraph block\" data-block=\"ea43137c-fc22-47e6-8c0e-3aa85fcc7c0b\" data-type=\"core\/paragraph\" data-title=\"Paragraph\" data-empty=\"false\">Some renters insurance policies place a cap on the amount they\u2019ll pay for high-value items such as firearms, fur coats, and your coin collection. For example, your renters insurance policy may only pay up to $2,000 for your collection of vintage guitars that is valued at $30,000.<\/p>\n<h2 id=\"block-3df90f57-2415-45f2-8626-be7e0e7df696\" class=\"block-editor-rich-text__editable block-editor-block-list__block wp-block wp-block-heading rich-text\" role=\"document\" aria-label=\"Block: Heading\" data-block=\"3df90f57-2415-45f2-8626-be7e0e7df696\" data-type=\"core\/heading\" data-title=\"Heading\">How Can I Get Coverage For My Collectibles?<\/h2>\n<p id=\"block-03333588-e8c8-4944-945e-6a65e9a2b02b\" class=\"block-editor-rich-text__editable block-editor-block-list__block wp-block wp-block-paragraph rich-text\" role=\"document\" aria-label=\"Paragraph block\" data-block=\"03333588-e8c8-4944-945e-6a65e9a2b02b\" data-type=\"core\/paragraph\" data-title=\"Paragraph\" data-empty=\"false\">To ensure that a cherished valuable is covered in case of theft or damage, you can add a scheduled property rider to your renters insurance. A scheduled property rider enables you to increase your insurance coverage for specific items, like that baseball signed by the New York Mets or your Star Wars Boba Fett figurine. Adding this rider to your renters insurance will likely increase your monthly premiums. However, the added cost may be considerably less than what it would cost to replace the item.<\/p>\n<p id=\"block-35b98fcd-4ece-428b-9a4d-3d2723680b12\" class=\"block-editor-rich-text__editable block-editor-block-list__block wp-block wp-block-paragraph rich-text\" role=\"document\" aria-label=\"Paragraph block\" data-block=\"35b98fcd-4ece-428b-9a4d-3d2723680b12\" data-type=\"core\/paragraph\" data-title=\"Paragraph\" data-empty=\"false\">The scheduled property rider is also good for valuables because some riders may protect against risks above and beyond what your renters insurance covers. For example, if you lose one of your action figures during a move, your renters insurance may not cover the cost, but the rider would.<\/p>\n<p id=\"block-68260789-87c8-4e95-b105-40822c890b70\" class=\"block-editor-rich-text__editable block-editor-block-list__block wp-block wp-block-paragraph rich-text\" role=\"document\" aria-label=\"Paragraph block\" data-block=\"68260789-87c8-4e95-b105-40822c890b70\" data-type=\"core\/paragraph\" data-title=\"Paragraph\" data-empty=\"false\">If you have several high-priced collectibles, you might consider buying separate collectibles insurance that can offer more coverage than a scheduled property rider.<\/p>\n<h2 id=\"block-2a7371d6-aea3-4112-a3db-dd662433688c\" class=\"block-editor-rich-text__editable block-editor-block-list__block wp-block wp-block-heading rich-text\" role=\"document\" aria-label=\"Block: Heading\" data-block=\"2a7371d6-aea3-4112-a3db-dd662433688c\" data-type=\"core\/heading\" data-title=\"Heading\">How Much Additional Coverage Do You Need For a Collection?<\/h2>\n<p id=\"block-63cb6c64-4b49-42c7-a63c-34ad6fe8ab60\" class=\"block-editor-rich-text__editable block-editor-block-list__block wp-block wp-block-paragraph rich-text\" role=\"document\" aria-label=\"Paragraph block\" data-block=\"63cb6c64-4b49-42c7-a63c-34ad6fe8ab60\" data-type=\"core\/paragraph\" data-title=\"Paragraph\" data-empty=\"false\">To decide whether you need a scheduled property rider on your renters insurance to cover high-priced items or if you should look into a broader collectibles insurance policy, you first have to consider a couple of factors.<\/p>\n<h2 id=\"block-8e1d5482-9325-44b1-8d05-e9ef895edfd0\" class=\"block-editor-rich-text__editable block-editor-block-list__block wp-block wp-block-heading rich-text\" role=\"document\" aria-label=\"Block: Heading\" data-block=\"8e1d5482-9325-44b1-8d05-e9ef895edfd0\" data-type=\"core\/heading\" data-title=\"Heading\">1. What Do I Want to Insure?<\/h2>\n<p id=\"block-a13a05d4-bbd3-46f8-8c82-f076801a1c04\" class=\"block-editor-rich-text__editable block-editor-block-list__block wp-block wp-block-paragraph rich-text\" role=\"document\" aria-label=\"Paragraph block\" data-block=\"a13a05d4-bbd3-46f8-8c82-f076801a1c04\" data-type=\"core\/paragraph\" data-title=\"Paragraph\" data-empty=\"false\">Do you want to insure just one item like a vintage fur coat you inherited from your grandmother or a Banksy art piece or do you have a group of collectibles that need insurance coverage? While a scheduled property rider on your renters insurance policy may be enough to cover a single item like the fur coat, if you have collected a group of valuables, like stamps or Star Wars trading cards, you may want to look into getting a separate collectibles insurance policy.<\/p>\n<h2 id=\"block-26f81eb5-c2d5-4cff-b437-27de7ab736fd\" class=\"block-editor-rich-text__editable block-editor-block-list__block wp-block wp-block-heading rich-text\" role=\"document\" aria-label=\"Block: Heading\" data-block=\"26f81eb5-c2d5-4cff-b437-27de7ab736fd\" data-type=\"core\/heading\" data-title=\"Heading\">2. What is the Appraised Value?<\/h2>\n<p id=\"block-321a81a6-ee57-44cd-aeaf-3346b88d4ab3\" class=\"block-editor-rich-text__editable block-editor-block-list__block wp-block wp-block-paragraph rich-text\" role=\"document\" aria-label=\"Paragraph block\" data-block=\"321a81a6-ee57-44cd-aeaf-3346b88d4ab3\" data-type=\"core\/paragraph\" data-title=\"Paragraph\" data-empty=\"false\">You should get an appraisal for any single or group of collectibles, so you know how much insurance coverage to get. If you still have a receipt from your purchase of the collectible(s), that\u2019s a good indicator of its value. However, if you don\u2019t have a record of how much an item or items are worth, you should hire a professional appraiser who can determine the value.<\/p>\n<\/div>\n                <\/div>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/div>\n\n\n<div class=\"c-section c-more-options\">\n    <div class=\"o-wrapper o-wrapper--small\">\n        <h2 class=\"c-more-options__title\">Find Affordable Renters Coverage for Collectibles and Other Valuables in Georgia<\/h2>\n\n        <div class=\"c-more-options__content\">\n            <div class=\"s-cms-content\">\n                <p id=\"block-3bfb951d-a674-4821-8bb6-04557c093d87\" class=\"block-editor-rich-text__editable block-editor-block-list__block wp-block wp-block-paragraph rich-text\" role=\"document\" aria-label=\"Paragraph block\" data-block=\"3bfb951d-a674-4821-8bb6-04557c093d87\" data-type=\"core\/paragraph\" data-title=\"Paragraph\" data-empty=\"false\">While renters insurance protects your personal belongings like furniture and clothing, if you own higher-priced items or collectibles, you may need additional coverage to protect them. Take inventory of your items, and then talk to an insurance specialist at Southern Harvest Insurance to find out precisely what coverage you\u2019ll need.<\/p>\n<p id=\"block-3db51c53-47ac-4e8d-8b3e-b4031d2cd614\" class=\"block-editor-rich-text__editable block-editor-block-list__block wp-block wp-block-paragraph rich-text\" role=\"document\" aria-label=\"Paragraph block\" data-block=\"3db51c53-47ac-4e8d-8b3e-b4031d2cd614\" data-type=\"core\/paragraph\" data-title=\"Paragraph\" data-empty=\"false\">We\u2019ll be happy to give you a quick quote for <a href=\"https:\/\/www.southernharvestinsurance.com\/\" target=\"_blank\" rel=\"noreferrer noopener\">renters insurance online<\/a>, or you can visit one of our <a href=\"https:\/\/www.southernharvestinsurance.com\/locations\/\" target=\"_blank\" rel=\"noreferrer noopener\">Southern Harvest offices<\/a> or call us at <a href=\"tel:877-831-4677\" target=\"_blank\" rel=\"noreferrer noopener\" data-rich-text-format-boundary=\"true\">877-831-4677<\/a>.<\/p>\n            <\/div>\n                            <ul class=\"o-list-bare c-more-options__list\">\n                                                        <li class=\"o-list-bare__item c-more-options__item\">\n                        <a class=\"c-more-options__link c-more-options__link--green\" href=\"https:\/\/www.southernharvestinsurance.com\/renters-insurance-quote-form\/\">\n                            <span class=\"o-icon c-more-options__icon\"><svg focusable=\"false\" role=\"img\"><use xlink:href=\"https:\/\/www.southernharvestinsurance.com\/blog\/wp-content\/themes\/southern\/assets\/html\/images\/icons\/icons.svg#icon-quote\"><\/use><\/svg><\/span>\n                            <div class=\"c-more-options__link-text\">Get a Quote<\/div>\n                        <\/a>\n                    <\/li>\n                                                        <li class=\"o-list-bare__item c-more-options__item\">\n                        <a class=\"c-more-options__link c-more-options__link--brown\" href=\"tel:877-831-4677\">\n                            <span class=\"o-icon c-more-options__icon\"><svg focusable=\"false\" role=\"img\"><use xlink:href=\"https:\/\/www.southernharvestinsurance.com\/blog\/wp-content\/themes\/southern\/assets\/html\/images\/icons\/icons.svg#icon-phone-linear\"><\/use><\/svg><\/span>\n                            <div class=\"c-more-options__link-text\">Call Us<\/div>\n                        <\/a>\n                    <\/li>\n                                                        <li class=\"o-list-bare__item c-more-options__item\">\n                        <a class=\"c-more-options__link c-more-options__link--dark-blue\" href=\"https:\/\/www.southernharvestinsurance.com\/locations\">\n                            <span class=\"o-icon c-more-options__icon\"><svg focusable=\"false\" role=\"img\"><use xlink:href=\"https:\/\/www.southernharvestinsurance.com\/blog\/wp-content\/themes\/southern\/assets\/html\/images\/icons\/icons.svg#icon-location-linear\"><\/use><\/svg><\/span>\n                            <div class=\"c-more-options__link-text\">Find Your Office<\/div>\n                        <\/a>\n                    <\/li>\n                                <\/ul>\n                    <\/div>\n    <\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":634,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[6],"tags":[],"acf":[],"_links":{"self":[{"href":"https:\/\/www.southernharvestinsurance.com\/blog\/wp-json\/wp\/v2\/posts\/632"}],"collection":[{"href":"https:\/\/www.southernharvestinsurance.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.southernharvestinsurance.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.southernharvestinsurance.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.southernharvestinsurance.com\/blog\/wp-json\/wp\/v2\/comments?post=632"}],"version-history":[{"count":4,"href":"https:\/\/www.southernharvestinsurance.com\/blog\/wp-json\/wp\/v2\/posts\/632\/revisions"}],"predecessor-version":[{"id":1296,"href":"https:\/\/www.southernharvestinsurance.com\/blog\/wp-json\/wp\/v2\/posts\/632\/revisions\/1296"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.southernharvestinsurance.com\/blog\/wp-json\/wp\/v2\/media\/634"}],"wp:attachment":[{"href":"https:\/\/www.southernharvestinsurance.com\/blog\/wp-json\/wp\/v2\/media?parent=632"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.southernharvestinsurance.com\/blog\/wp-json\/wp\/v2\/categories?post=632"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.southernharvestinsurance.com\/blog\/wp-json\/wp\/v2\/tags?post=632"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}