Renters Insurance

Your landlord’s insurance covers the building — not your belongings. Renters insurance protects everything you own inside your apartment or rental home, plus your personal liability, usually for less than a takeout dinner each month.

Prefer to talk it through with a real person? Call us at 919-341-0606 — we answer Monday through Friday, 8:30 am to 5:30 pm, right here in Garner.

What Renters Insurance Covers

• Personal property — furniture, clothes, electronics, and more, protected against theft, fire, and other covered events, even away from home.
• Liability — if a guest is injured in your place or you accidentally damage a neighbor’s unit, your policy responds.
• Additional living expenses — hotel and meal costs if a covered loss forces you out temporarily.

Why the Landlord’s Policy Isn’t Enough

A landlord’s policy stops at the walls and roof. If a kitchen fire ruins your furniture or a break-in takes your laptop, that loss is yours alone — unless you carry renters coverage. Many North Carolina landlords now require proof of renters insurance at lease signing for exactly this reason.

Smart Moves for NC Renters

Document your belongings with a quick phone video, note serial numbers on electronics, and consider scheduling high-value items like jewelry separately. Bundling renters with your auto policy usually earns a discount that can offset most of the renters premium.

Frequently Asked Questions

How much does renters insurance cost in North Carolina?

Often just a few dollars a week. Exact pricing depends on your location, coverage amount, and deductible — we’ll compare carriers and find the best fit.

Does my policy cover my roommate’s stuff?

No — a policy covers the named insured. Roommates should each carry their own coverage.

Is theft from my car covered?

Personal belongings stolen from your vehicle are typically covered by renters insurance, subject to your deductible. The vehicle itself falls under your auto policy.

Protect Your Stuff for Pennies a Day

A quote takes minutes and could save your savings account. Insure with You!