North Carolina Renters Insurance

Affordable coverage for peace of mind

If you are a renter and not an owner of your home, you’re part of a growing demographic. Today, about 37% of all households rent, up from 34% just a few years ago. If there’s one thing we’d love to stand on the roof tops and shout to our North Carolina and South Carolina neighbors who rent, it is this: talk to us about insurance! It’s affordable, it’s available, and it will protect you for more than you think.


The myths and mistaken assumptions about renters insurance continue to surprise us. According to a recent Insurance Information Institute survey, only about 40% of all renters have insurance, in comparison with 95% of home owners.


When we talk to our apartment-dwelling friends and neighbors about why they don’t have a North Carolina renters insurance policy, here are the common reasons we hear:


“My landlord’s insurance would cover me.”

Nope. Your landlord’s insurance covers the building and his or her own personal liability. You are responsible for protecting your own possessions. Plus, you are personally liable if someone suffers an injury while in your rental unit.


“I don’t have enough of value to be worth it.”

Could you afford to replace all your furniture, your electronics, your clothes, your kitchenware – everything – if your home were destroyed by a fire?


“It’s too expensive.”

The national average for a renters policy is $187 a year, or under $15 a month. The average loss in a burglary tops $2,000. It’s a reasonable cost for peace of mind.

Boost your protection

Depending on your policy, a North Carolina renters insurance policy can also offer other benefits: it can help pay for alternative living arrangements if your rental unit becomes uninhabitable due to storm damage or an apartment fire. It may pay for possessions like cameras or laptops that are stolen from your car or while you are traveling.


If you have expensive equipment or collections, you may want to talk to us about options to boost your protection. It can also be a good idea to get a policy that covers replacement value rather than just cash value.

Talk to us!

When it comes to protecting your personal possessions through renters insurance, look to a trusted coverage source in your community. We invite you to find out why so many of your neighbors are referring us to their friends and colleagues.


If you have questions about our North Carolina renters insurance options, feel free to give us a call at 704-821-4460 or stop by our office – we’d love to meet you and talk things over. You can also get a free, no-obligation quote by filling out the form on the page.

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