Renters Insurance Quote Forms
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Renters Insurance Information
Renters Insurance in Clayton, Willow Springs, Raleigh, & Cary NC
With renters insurance, you will be able to replace what is damaged or stolen.
People who rent a house, condo or apartment are at risk of the same hazards that affect homeowners, including fire, smoke, vandalism, theft and weather-related incidents. To protect your personal property as a renter, you can purchase renters insurance, which covers you if there is damage to your belongings.
What Does Renters Insurance Cover?
If your rental property has fire, smoke, lightning, vandalism, theft or water damage—but not flooding—renters insurance may cover any damage to your possessions. Renters insurance may also provide coverage for on-premises theft and hazards, such as items stolen from your car or items lost or damaged wherever you are.
You can typically choose from two personal property options: replacement cost value or actual cash value. Insuring your personal property at its replacement cost value allows you to replace items purchased formerly at today’s prices. Actual cash value is the replacement cash value minus depreciation at the time of the loss.
Renters insurance may also protect you if you’re responsible for an injury or property damage to others. So, for example, you’ll likely be protected if a guest slips and sprains her ankle at your birthday party. Liability also covers your legal defense costs and judgments in a lawsuit, whether the incident occurred within your rented residence or elsewhere.
How Much Renters Insurance Do I Need?
The amount of renters insurance you need depends on the value of your personal possessions.
Work with your agent to determine how much coverage you may need to replace your personal possessions. If you have collectibles, valuable jewelry or a fine art collection, you may need additional coverage.
What Does Renters Insurance Cost?
Some landlords request that you purchase minimum amounts of renters insurance coverage, so be sure to check your lease to verify those guidelines.
Because renters insurance only covers the value of your belongings, your premium may be relatively inexpensive. We can help you determine the appropriate amount of coverage that you need.
How We Can Help
Our team at the Nobles Insurance Agency can help you determine the value of your belongings to obtain the right amount of renters insurance
. Call us today at 919-833-3803 to get started.