Renters Insurance at The Premier Apartments
We found a few insurance details on the The Premier Apartments website. Your lease may have additional requirements — treat these as a starting point.
Lease Requirements
* An "interested party" is the property management company listed on your insurance policy. It doesn't give them any claim rights — it just means they get notified if your policy lapses, which is how the leasing office verifies you stay insured.
One thing to watch for: when you purchase your policy, most carriers have a field where you add the property as an interested party — skip that step and your proof may get rejected. It takes 30 seconds during checkout. Start a quote to see which carriers handle this automatically.
What Affects Your Premium Here
Every building is different. These factors specific to The Premier Apartments can push your insurance cost up or down:
Gated Community
Gated access reduces theft risk — may qualify for security discount
Controlled Access
Electronic/key fob entry — reduces unauthorized entry risk
Dog-Friendly
Dogs allowed — consider higher liability coverage
FEMA Flood Zone
Zone X — minimal flood risk
AreaVibes
Crime grade: A+
What You'll Likely Pay
$12
Est. Monthly
$140
Est. Annual
$10
With Discounts/mo
$13
State Avg/mo
How Much Coverage Makes Sense
Renters insurance has two main pieces: personal property coverage, which pays to replace your belongings if they're stolen or damaged (think furniture, electronics, clothes), and liability coverage, which protects you if someone gets hurt in your unit or you accidentally damage someone else's property. Here's what we'd recommend for The Premier Apartments based on the rent level and building features.
Personal Property
What your stuff is worth
If you own less
$20,000
If you own more
$50,000
Liability
Covers accidental harm & lawsuits
Dog-friendly community — higher liability recommended for pet-related incidents
How Carriers Compare for This Area
Not all carriers price the same zip code equally. Here's how the major options stack up near The Premier Apartments:
| Carrier | Monthly | Annual |
|---|---|---|
| Lemonade | $8/mo | $91/yr |
| USAA | $9/mo | $103/yr |
| State Farm | $11/mo | $137/yr |
| Progressive | $12/mo | $149/yr |
| Safeco | $12/mo | $149/yr |
| Travelers | $13/mo | $160/yr |
| Allstate | $14/mo | $171/yr |
| Nationwide | $14/mo | $171/yr |
| Farmers | $15/mo | $183/yr |
| Liberty Mutual | $17/mo | $206/yr |
Discounts You May Qualify For
Next Step
See if you can beat $10/mo
7 discounts may apply here. Real quotes show your actual price — estimates can't.
Property Crime & Theft Risk
Renters insurance pricing is driven by property crime — theft, burglary, and vehicle break-ins — not violent crime. Here's what the FBI's Uniform Crime Reporting data shows for Evans.
A+
Area Crime Grade
Detailed FBI property-crime data isn't available for Evans in the latest reporting cycle, so we're showing the AreaVibes neighborhood grade as a general signal. The Premier Apartments has on-site security features (Package service, Controlled access, Property manager on site, Gated, Gated access, Sprinklers) that insurers recognize with premium discounts.
What Residents Are Saying
Based on Google reviews, here are the issues residents mention most often — and the ones that matter when choosing your coverage. Longer bars indicate more frequent discussion.
On-Site Security
Natural Hazards & Your Renters Coverage
Renters at this address have one borderline natural-hazard decision to make: whether to buy an earthquake endorsement on top of a standard policy. USGS rates the area as moderate seismic hazard. Flood and severe weather aren't standout concerns. Below is what each agency actually shows.
Flood damage
FEMA's flood-zone classification for this address is low-risk, which means the federal government doesn't expect significant flooding here under typical conditions. A standard renters policy still excludes flood damage, but a separate flood policy is hard to justify economically when the underlying risk is low. The zone label is below for the record.
FEMA Zone X (Area Of Minimal Flood Hazard) — Minimal flood risk
Flood insurance optional but inexpensive in this zone.
Flood zone data from FEMA National Flood Hazard Layer (NFHL). Zones can change — verify at FEMA Flood Map Service.
Earthquake shaking
Damaging earthquakes happen here, but not often — USGS rates the area as moderate seismic hazard. A renters earthquake endorsement is inexpensive (typically under $100 a year) and worth weighing against the value of what's actually in your unit. The math leans toward 'add it' if you have high-value electronics, instruments, or art; 'skip it' for sparse furnishings.
Moderate seismic hazard · ground motion 0.14g
Endorsements priced for renters typically run under $100 a year and only cover personal property. Whether it pays back depends on the value of what's in your unit.
Hazard data from USGS National Seismic Hazard Model. The ground-motion figure is the level USGS expects to be exceeded with about 2% probability over a 50-year horizon — the standard reference used in building codes.
Severe weather you'd actually claim for
NOAA's severe-weather record for Richmond County is on the calmer end of the national distribution — modest activity across most categories. Whatever does happen, your renters policy already covers it (wind, hail, lightning damage to your possessions). The five-year averages are below.
Source: NOAA Storm Events Database, annual averages from the past five years for Richmond County. Counts reflect reported events, not damage amounts.
The earthquake endorsement is the only meaningful optional add-on at this kind of address. Whether it's worth the premium depends on what's actually in your unit.
1065 Williamsburg Way, Evans, GA 30809
Evans
Monthly Cost Breakdown at The Premier Apartments
The listed rent isn't the whole number. Here's what The Premier Apartments actually costs each month once you add required fees and insurance.
Fees Beyond Rent
These are the additional charges beyond base rent at The Premier Apartments. Some are monthly, some are one-time — all of them affect your actual cost of living here.
Required Fees
Trash Services - Hauling
Amount for shared trash/waste services. Charged per unit.
Trash Services - Doorstep
Amount for doorstep trash removal from rental home. Charged per unit.
Pest Control Services
Amount for pest control services. Charged per unit.
Utility - Billing Administrative Fee
Amount to manage utility services billing. Charged per unit.
Utility - Electric - Third Party
Usage-Based (Utilities).Amount for provision and consumption of electric paid to a third party. Charged per unit. Payable to 3rd Party
Renters Liability Insurance - Third Party
Amount for renters liability insurance obtained through resi dent's provider of choice. Charged per leaseholder. Payable to 3rd Party
Utility - Sewer - Third Party
Usage-Based (Utilities).Amount for provision and consumption of sewer paid to a third party. Charged per unit.
Utility - New Account Fee
Amount to establish utility services. Charged per unit.
Utility - Final Bill Fee
Amount billed to calculate final utility statement. Charged per unit.
Pets Fees
Pet Fee
Please call our leasing office for complete Pet Policy.
Pet Rent
Max of 1. Monthly amount for authorized pet. Charged per pet
Parking Fees
Street Parking
Please call us for complete Parking information.
Surface Lot
Please call us for complete Parking information.
Optional Add-On Fees
Access Device - Additional
Amount to obtain additional access device(s) for community; additional fob, additional key. May be subject to availability. Charged per device.
Situational Fees
Month-to-Month Fee
Amount, in addition to base rent, for a month-to-month lease Charged per unit.
Renters Liability Only - Non-Compliance
Amount for not maintaining required Renters Liability Policy Charged per unit.
Lease Violation - Trash
Amount for violation of waste-related community policies. C harged per unit.
Returned Payment Fee (NSF)
Amount for returned payment. Charged per unit.
Utility - Vacant Processing Fee
Amount for failing to transfer utilities into resident name. Charged per unit.
Intra-Community Transfer Fee
Amount due when transferring to another rental unit within c ommunity. Charged per unit.
Access Device - Replacement
Amount to obtain a replacement access device for community; fobs, keys, remotes, access passes. Charged per device.
Late Fee
Amount for paying after rent due date; per terms of lease. Charged per unit.
Reletting Fee
Marketing fee related to early lease termination; excludes r ent and other charges. Charged per unit.
Early Lease Termination/Cancellation
Amount to terminate lease earlier than lease end date; exclu des rent and other charges. Charged per unit.
Legal/Eviction Fees
Amount for legal expenses incurred for lease violations. Cha rged per unit.
Pet Policy
Bringing a pet? Here's what The Premier Apartments allows — and keep in mind, if you have a dog, most insurance advisors recommend bumping your liability coverage to at least $300,000. Standard renters policies cover pet-related incidents, but the default $100,000 limit may not be enough if something happens.
About The Premier Apartments
From the property listing:
At The Premier, we are leading the way in luxury apartment living. With spacious floor plans, resort-style amenities, and downtown Evans at your fingertips, this is what exceptional comfort looks and feels like. Live in luxury with curated details designed to elevate your lifestyle and complement your every day. Explore the best of Evans, GA, with our convenient location, knowing the comforts of home are never far away. We invite you to discover The Premier, where a faceted life comes together. Schedule your tour now and begin living The Premier life you deserve.
Frequently Asked Questions
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Disclaimer
The information on this page — including rent prices, fees, floor plans, amenities, insurance requirements, and safety data — is collected from publicly available sources and may not reflect the most current details. Apartment communities may update their offerings, policies, and pricing at any time. Always confirm details directly with the leasing office or the community's official website before making any decisions.
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