Renters Insurance in NC

Whether you’re renting an apartment in Charlotte, a condo in Wilmington, or a house in Raleigh, renter’s insurance in North Carolina should be a top priority.

Why Do I Need Renters Insurance Coverage?

As the name states, this is insurance for home and apartment renters. When you rent property or occupy land that is rented from a landlord, you are considered a tenant (but more commonly called a renter). 

If you are a renter, let’s go further and see if this type of insurance is exactly what you need to protect  your personal property and assets in North Carolina. Renters insurance does not cover maintenance or repairs to the building or its included appliances because those items are the responsibility of the landlord or property management company. Your landlord is fully responsible for any of the usual building/appliance issues, such as: leaky pipes, broken ovens or clogged sinks. There’s a clear difference between what building damages you or the landlord are responsible for.

What Does Renters Insurance Cover?

Is renters insurance protection right for you? There are two parts to a typical renters insurance policy in NC; it can protect your physical belongings and it can protect you from being liable for any injury caused on your rented property or damages done to the property. 

In its basic form, North Carolina renters insurance is designed for those who have possessions that are of significant monetary value. Items that you  would want to have replaced if they are lost, stolen or damaged while on the rental property. When you rent a space, whether it’s just a room or a whole house, you maintain ownership and responsibility for your own possessions. Personal property includes: your furniture, laptop, clothes, and any other physical item that you keep in this rented space. 

Here are a few scenarios in which you can make a claim with your renters insurance: 

  • If your belongings are damaged from events like a burst pipe
  • If you left the window open during a stormy day, causing water damage to your electronics or furnishings
  • If someone broke into your home and stole your valuables

With the right renters insurance plan, you will be able to make a claim and receive compensation for any covered items that are reported lost, stolen, or damaged.

What is The Difference Between Tenant Liability and Renters Insurance in Raleigh?

When choosing a policy, there is something else to consider in addition to your basic renters insurance in NC. As mentioned above,a typical renters insurance plan provides coverage for your physical property. But, if you had friends, family or even the cable guy come into your home and they somehow slip, fall and become injured, basic renters insurance does not protect you in this situation. This would be covered by the second option of renters insurance, referred to as tenant liability. If someone were to hurt themselves on your rental property and takes legal action against you, tenant liability insurance will help cover any legal fees or potential judgements.

Tenant liability is recommended by most landlords and insurance agencies, as it can also protect your rental deposit if the following were to happen:

  • You accidentally damage the landlord’s fixtures, or fittings
  • You accidentally cause damage to your landlord’s furniture

Getting a policy for renters insurance in Raleigh that includes tenant liability usually costs a little more than a standard renter’s policy, but it will give you a lot more coverage. A qualified renters insurance agent will talk to you and help to evaluate exactly what you need to get for both the basic renters insurance as well as tenant liability. In summary, tenant liability insurance in NC will cover you for:

  • Claims for accidental damage to the property
  • Claims for injury to 3rd-parties on the property

Find The Perfect Plan

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Where Can You Get Renters Insurance in North Carolina?

The important thing to keep in mind when deciding who to work with is to make sure that this renters insurance agent or agency is familiar with North Carolina and specifically, your area of residence. This way, they’ll be able to make the right recommendations for coverage as well as get you the best policy available. An independent insurance agency, like Carolina Insurance Professionals, compares quotes from a wide variety of carriers to get the best plans, coverages and prices. We’ll ask the right questions to understand what you need and how much you can allocate per month to meet those needs. We get down to the nitty-gritty by taking inventory of the space you’re renting, your valuables, and your budget.

The Renters Insurance Agent Difference at Carolina Insurance Professionals

Our team of highly qualified Raleigh renters insurance agents are very knowledgeable and experienced with North Carolina’s insurance regulations. Over the years, we’ve been the go-to agency for North Carolina residents looking to get insurance coverage for health, Medicare, auto insurance, home and renters insurance, and more. Our clients choose to work with us because we make it a priority to get to know them on a personal level, which is a must when it comes to insurance.

Every situation is different – the place of residence, the value of your personal property and the amount of budget you can set aside for coverage are all considered when we walk you through your options for renters insurance. As an independent insurance agency in Raleigh, we’re not tied down to a single carrier. This means that we can browse all major carriers for the absolute best insurance plan to meet your unique and individual needs.

Book a free consultation with one of our NC renters insurance agents to learn about how we can help with your NC renters insurance needs.

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