It doesn’t matter where you’re renting in NC, renters insurance is a necessary investment for your financial stability.
If you’re renting your home, your landlord’s insurance covers your property too, right? Wrong. For anyone renting property in NC, renters insurance must be purchased if you want your personal possessions to be protected. Even if your landlord or property manager has insurance for your home, that does not mean your assets are covered. Your landlord’s policy covers the property as a whole, but your belongings remain your responsibility. Some landlords will actually require you to carry renters insurance if you are living on their property.
When you rent your home, whether it is an apartment, house, condo, or duplex, you can protect your assets with renters insurance. North Carolina renters can rely on a renter insurance policy from McKinney Insurance Services to protect you in unfortunate situations such as: fire, theft, water damage, and other circumstances beyond your control. Our agents will help you determine how extensive your renters insurance policy should be.
Renters insurance generally covers:
- Personal Property – like your furniture, electronics, and clothing.
- Personal Liability – in the event that someone is injured.
- Damage to Your Apartment – if the damage is caused by a covered loss.
You never know when disaster may strike. A burglar breaks into your apartment or your neighbor’s pipes burst, costing you thousands of dollars. You know these stories all too well when you rent an apartment in NC. Renters insurance is very similar to homeowners insurance; it is simply focused on people who rent their home instead of own it. A renter insurance policy can help you replace valuables that have been lost, stolen or damaged. Also, if you are forced out of your rental after a disaster, additional living expenses you may incur- like hotel bills, temporary rentals, and restaurant meals – are covered by renters insurance. North Carolina residents can count on McKinney Insurance Services for renters insurance solutions.
Renters insurance also provides coverage for those who may be injured at your home, or elsewhere, by you, a pet, or a family member. In the event of a law suit, a renters policy will also cover your legal defense fees if you end up in court.
No matter where you rent in NC, renters insurance is a vital component to your financial security. There are many options to consider when selecting renters insurance. North Carolina residents should contact McKinney Insurance Services today for more information and a free quote!