Your landlord’s insurance covers the building but not your belongings. Renters insurance protects your furniture, electronics, clothes and other possessions against theft, fire, water damage and other risks. It also provides liability coverage if someone is injured in your rented home and additional living expenses if a covered loss forces you to temporarily move out.
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Personal property coverage — reimburses you for damaged or stolen belongings up to your policy limits.
Liability protection — covers legal expenses and damages if you accidentally injure someone or damage their property.
Loss of use — pays for hotel stays and living expenses if your rental becomes uninhabitable due to a covered event.
Affordable premiums — policies are typically inexpensive, making protection accessible for most renters.
What does renters insurance cover?
It covers your personal belongings against events like fire, smoke damage, theft, vandalism, water damage from burst pipes and certain weather-related incidents. It also provides liability protection and additional living expenses if you must move out temporarily.
Does renters insurance cover roommates?
Policies typically cover only the named insured’s belongings. Roommates should have their own policies to ensure adequate protection.
Is renters insurance required?
Some landlords require proof of renters insurance. Even if it’s not mandatory, it’s an inexpensive way to protect your assets and avoid liability risks.
Next Step: Get a personalized renters quote from our team and protect your belongings today.
Local knowledge — we understand the risks Charlotte renters face, from apartment fires to water damage.
Choice of carriers — as independent agents, we shop multiple insurers to find the best coverage and rates.
Coverage advocates — we act as your advocate during claims to ensure you receive the benefits you deserve.
Unbiased advice — we recommend appropriate coverage levels without overselling.
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(704) 926-7565
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(980) 206-3356
