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🏒 Georgia · Apartment Building Insurance

Apartment Building Insurance
in Georgia

Property Β· General Liability Β· Loss of Rents β€” coverage built for Georgia apartment owners and real estate investors, backed by 20+ years of commercial insurance experience.

πŸ“ Licensed in GA Β· TX Β· CA Β· AZ Β· FL Β· WA Β· DC

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βœ“ Licensed in Georgia
βœ“ 20+ Years Experience
βœ“ Independent β€” 6 Carriers Shopped
βœ“ Hard-to-Place Risks Welcome
βœ“ Same-Day Quotes

Protecting Georgia Apartment Owners for 20+ Years

Secure Risk Partners is licensed in Georgia and specializes in insurance for apartment buildings, multi-family properties and real estate investors across the state β€” from metro Atlanta, Savannah and Augusta to Columbus, Athens and Macon.

Georgia landlords operate under Title 44, Chapter 7 of the Official Code of Georgia, and a single liability claim or a severe storm that displaces tenants can put your rental income at risk. As an independent agency we shop Hartford, Travelers, Lloyd's of London, Hiscox, Progressive, Guard and more to package the property, liability and loss-of-rents coverage your building actually needs.

πŸ“ž Call (469) 983-2600
36%+
of GA Households Rent
Title 44
Governs GA Landlords
3+
New Workers' Comp Threshold

As of January 1, 2026, Georgia requires workers' compensation for employers with 3 or more employees (lowered from 5)

Many larger apartment operations that were previously exempt now need coverage. Georgia (O.C.G.A. Β§44-7-19) also preempts local rent control β€” there is no statewide or local rent cap.

Every Coverage Georgia Apartment Owners Need

We write all of these for Georgia apartment and multi-family owners β€” individually or as a complete package.

πŸ—οΈ

Property Insurance

Building, roof, common areas and owned contents at replacement cost β€” the core of every apartment policy.

⚠️ Most ImportantπŸ“‰

Loss of Rents

Replaces the rental income you lose when a covered storm, fire or other loss makes units uninhabitable while you rebuild.

⚠️ GA Storm RiskπŸŒͺ️

Wind, Hail & Tornado

Georgia sits in a high-severe-storm corridor. Wind and hail deductibles vary widely and coastal buildings near Savannah may need windstorm reviewed separately.

🀝

General Liability

Slip-and-falls, tenant and visitor injuries, and third-party property damage claims on your premises.

βš™οΈ

Equipment Breakdown

HVAC, boilers, elevators and electrical systems β€” sudden mechanical or electrical failure is not covered by standard property policies.

πŸ›‘οΈ

Umbrella / Excess Liability

Extra limits above your GL β€” often required by lenders on financed multi-family properties.

We Know Georgia. We Know Your Risk.

Independent agency. 6 carriers compared. Licensed in Georgia and 6 other states.

Hartford
Travelers
Lloyd's of London
Hiscox
Progressive
Guard

Georgia Apartment Building Insurance FAQ

What does apartment building insurance cover in Georgia?
A typical Georgia apartment policy packages property coverage on the building and common areas, general liability for tenant and visitor injuries, and loss-of-rents coverage that replaces income while a damaged building is repaired. Given Georgia's severe-storm exposure, we pay close attention to wind and hail terms. We tailor limits to your specific property.
Did Georgia's workers' comp requirement change in 2026?
Yes. As of January 1, 2026, Georgia lowered the threshold from five to three or more employees (O.C.G.A. Β§34-9-2). A larger apartment operation with on-site managers, leasing agents and maintenance staff will typically meet that threshold now β€” even if it was exempt before. We place competitive workers' comp alongside your property and liability package.
Is loss-of-rents coverage worth it for a Georgia apartment?
For most owners, yes. If a storm, fire or covered loss forces tenants out, you stop collecting rent but still owe the mortgage. Loss-of-rents (business income) coverage replaces that rental income during the rebuild β€” often the difference between weathering a loss and defaulting.
Is there rent control on Georgia apartments?
No. Georgia law (O.C.G.A. Β§44-7-19) preempts local rent control, so no city or county can cap rent on private residential property and there is no statewide cap. Georgia landlords operate under Title 44, Chapter 7 of the Official Code of Georgia.
Does Georgia require landlords to carry insurance?
Georgia does not mandate apartment insurance by statute, but nearly every lender requires it on a financed building, and operating without it leaves you personally exposed to liability and property claims.
Can you insure older or larger apartment complexes in Georgia?
Yes. We work with specialty carriers including Lloyd's of London for older buildings, larger unit counts and properties other carriers decline. Call us to discuss your building and we'll find the right market.

Ready for Your Georgia Quote?

Give us 15 minutes. We'll show you exactly what you need, what you're missing and what we can do. No obligation.

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Alex
SRP Insurance Assistant
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