North Carolina Renters Insurance

Do You Need Renters Insurance?

According to recent estimates, nearly two-thirds of the 81 million people who rent their homes are uninsured for their contents or for any liability arising out of their tenancy. As a North Carolina resident who resides in a rented property you are at risk of loss if you do not have NC renters insurance.

My personal property is covered by my landlord’s insurance. False! Your landlord's policy on a rental property is limited to the physical structure itself, not the possessions within.

If someone were to become injured in my rental unit that would not be my responsibility but my landlord's. False! The landlord is responsible for injuries that occur in common grounds like swimming pools or tennis courts, but you are responsible for any injuries that take place in your apartment or home.

North Carolina renters insurance protects you against loss to property as a result of theft, fire, or other hazard at your house or apartment. It also gives NC policy holders protection against liability lawsuits should a visitor become injured while at your residence or their property become damaged. North Carolina renters insurance is an important coverage to have because it takes care of things not covered by a landlord's policy.

Don't let this be your story:  "I had to learn this lesson the hard way- that not having renter's insurance coverage for my family entailed us having to pay for everything we owned twice and it has been extremely damaging to my credit. If instead I had renter's insurance before the fire ravaged our apartment building the opposite may have been the case. I often daydream that I would have been more secure in my finances and maybe even been able to look into buying a home for my family.  I regret everyday not having renter's insurance to cover us and having to start over with the clothes we had on running out of the fire."

What’s Covered?

Together we will determine your NC renters insurance needs and from there provide you with the most comprehensive policy available at the best price around. You may even be eligible for certain discounts if you are married or widowed, live in a gated community, have smoke detectors, burglar alarms, or central/local fire alarms. Plus if you carry an additional policy, such as auto insurance, with the same company then you will be eligible for a multiple policy discount as well.

North Carolina renters insurance can cover virtually all of your personal possessions. Most policies provide coverage for electronic goods and equipment, small appliances, sports equipment, cameras and photography equipment, furniture, clothing, glassware and china, and books. Items such as computers, jewelry, furs, watercraft, and firearms can also be covered with extended protection. Your NC renters insurance policy will include:

  • Personal property protection
  • Family liability protection
  • Guest medical protection
  • Additional living expenses
  • Additional protection

Your North Carolina Renters Insurance Specialists

A poll conducted by the Insurance Research Council found that only 43% of renters nationwide had renters insurance - don’t be left in the dark without coverage. Let First Pioneer Insurance tailor a North Carolina renters insurance policy that is right for you. We are committed to protecting you and one of our agents will provide you with the best possible quote in no time.

Complete the Free NC Renters Insurance Quote Request form today.