What Does Renters Insurance Cover?

Personal Property Coverage

Protects your belongings, like furniture, electronics, and clothing, against theft, fire, and other covered events, whether you’re at home or on the go.

Liability Coverage

Covers you if someone is injured in your rental or if you accidentally cause damage to someone else’s property.

Additional Living Expenses (ALE)

Helps with temporary housing costs if your rental becomes uninhabitable due to a covered event, so you’re not left without a place to stay.

Personal Property Coverage

Protects your belongings, like furniture, electronics, and clothing, against theft, fire, and other covered events, whether you’re at home or on the go.

Liability Coverage

Covers you if someone is injured in your rental or if you accidentally cause damage to someone else’s property.

Additional Living Expenses (ALE)

Helps with temporary housing costs if your rental becomes uninhabitable due to a covered event, so you’re not left without a place to stay.

Renters Insurance in North Carolina:

What You Should Know

Renters in North Carolina often face unique weather and environmental risks, from hurricanes to seasonal storms. Renters insurance helps protect your belongings and offers liability coverage tailored to your needs. At Sizemore Insurance, we guide you in choosing a policy that’s affordable and dependable, ensuring that wherever you call home, you’re better protected.

Frequently Asked Questions

Does renters insurance cover my belongings outside of my rental?

Yes, most renters insurance policies cover some of your belongings wherever they are, so you’re protected whether your items are at home or with you.

Is renters insurance required by law in North Carolina?

While it’s not required by law, many landlords do require tenants to have renters insurance. We can help you find an affordable option that meets any lease requirements.

Does renters insurance cover natural disasters like hurricanes?

Yes, you are covered for hurricanes and wind and hail, but a separate deductible for wind and hail may be required.

How much renters insurance coverage do I need?

The amount depends on the value of your belongings and personal needs. We’ll help assess your situation to find the right coverage for your lifestyle.