Beyond home, auto, life, and business — The Scheiderich Agency offers renters insurance, landlord insurance, motorcycle and boat coverage, and scheduled personal property protection for Georgia families with coverage needs that go beyond the standard four.
One of the most common misconceptions among Georgia renters is that their landlord's insurance protects their personal belongings. It does not. Your landlord's policy covers the building — your furniture, electronics, clothing, and personal property inside are entirely your responsibility.
Renters insurance covers your personal belongings against fire, theft, vandalism, and certain weather events. It also includes liability coverage if someone is injured in your apartment or rental home — and additional living expenses if a covered event makes your unit temporarily uninhabitable.
Renters insurance is one of the most affordable policies available — and it becomes even less expensive when bundled with your auto policy. Most Georgia renters are significantly underinsured simply because they assumed coverage existed that does not.
Get a Renters Insurance QuoteIf you rent out a home, condo, or other property in Georgia — even occasionally — your standard homeowners policy may not cover it. Homeowners insurance is designed for owner-occupied residences. Once a property is rented, a landlord policy is the appropriate coverage.
A landlord policy covers the dwelling structure against damage from covered events, liability if a tenant or visitor is injured on the property, and in many cases lost rental income if the property becomes uninhabitable due to a covered loss. It does not cover the tenant's personal belongings — that is the tenant's responsibility, covered by renters insurance.
Georgia landlords who bundle a rental property policy with their personal home and auto coverage benefit from multi-policy discounts across all three accounts — making coverage for investment properties more cost-effective as your portfolio grows.
Get a Landlord Insurance QuoteGeorgia law requires motorcycle operators to carry liability insurance — and your personal auto policy does not extend to a motorcycle. A motorcycle requires its own separate policy, covering the bike and the rider against liability claims, physical damage, and in many cases medical expenses after an accident.
Motorcycle insurance can be structured with varying levels of coverage depending on how you use the bike — a daily commuter and a weekend recreational rider have different needs and different risk profiles. Your deductible, liability limits, and coverage for custom parts or accessories are all worth a direct conversation.
Bundling your motorcycle policy with your home and auto coverage reduces the cost of all three — and keeps everything on a single account with a team that knows your full picture.
Get a Motorcycle Insurance QuoteGeorgia is home to some of the Southeast's most popular lakes and waterways — and boat ownership without proper coverage is a significant financial exposure. Your homeowners policy typically provides very limited protection for a watercraft, if any at all, and auto insurance does not cover boats.
A dedicated boat policy covers physical damage to the vessel, liability if you cause injury or property damage on the water, and in many cases medical payments for injuries to passengers. Coverage can be structured for the type of boat, how you use it, and where you store it during off-season months.
Georgia boaters who bundle a watercraft policy with their home and auto coverage benefit from multi-policy discounts — and from working with an agent who knows their full household picture rather than treating the boat as an isolated policy.
Get a Boat Insurance QuoteMost Georgia homeowners do not realize that their homeowners policy places strict dollar limits on specific categories of high-value items — jewelry, fine art, firearms, collectibles, antiques, and other valuables. If a piece of jewelry worth $15,000 is stolen, a standard policy might only pay out $1,500 or $2,500 — the category limit, not the item's actual value.
A scheduled personal property policy — sometimes called a VIP policy — insures individual high-value items specifically, at their full appraised value, with broader coverage than a homeowners policy provides.
Here is the key advantage most people do not know: a scheduled personal property policy is written as a standalone policy, not as an endorsement on your homeowners policy. This means that a claim on your VIP policy does not count as a claim on your homeowners policy. Your homeowners claims history stays clean — which protects your home insurance premium. The VIP policy also allows for more flexible deductible options than a homeowners endorsement typically permits.
Ask About Scheduled Personal PropertyA claim on your VIP policy does not appear on your homeowners claims history. Your home insurance premium stays unaffected — and your VIP deductible options are more flexible than a homeowners endorsement allows.
We would rather have an honest conversation about what we can and cannot do for you than waste your time. Call us, come in, or send a message — we will follow up the same day.