Renters Insurance in North Carolina
If you're a renter in North Carolina, whether you're renting a house, condo, or an apartment, you should consider having renter’s insurance. Renters insurance will protect your personal property against damage or loss that is caused by fire, theft, vandalism, and more. This insurance will also cover costs if someone is injured on your property. Your landlord will have insurance as well, but it doesn't cover your personal property or provide loss liability. Our agents at Lee Insurance Agency LLC of Four Oaks, NC will be able to assist you in figuring out the best plan for you.
What does Renters Insurance Cover?
The first thing you should do before getting renters insurance is to create an inventory of all your personal property. Go room to room and write down a list of your valuable items, including the brand name, description, estimated value, date of purchase, and the serial number, if there is one. Having this list will help you if there is damage or loss and make it easier for your insurance to cover it. Damage or loss could be due to a number of factors including:
- fire or lightning
- an explosion
- windstorm or hailstorm
- vandalism or malicious mischief
- aircraft or vehicles
- falling objects
- weight of ice, snow, or sleet
- water damage or water leak
- freezing of plumbing
- electrical damage
- air conditioner or heating system break
If any of these types of perils occur, your renter's insurance will help to cover the cost of your lost or damaged property and will even help pay for living expenses if you are unable to stay in your home.
Call to Speak with an Agent Today
Having renter’s insurance will give you peace of mind to know that your property will be covered in case anything happens to your home in Four Oaks, NC. For more specific coverage options that will fit your needs, contact an agent at Lee Insurance Agency LLC today. Our agents are qualified and knowledgeable in all aspects of renter’s insurance for your North Carolina home. Call or visit our office today to speak with an agent.