North Carolina renters insurance

Whether you rent a high-rise apartment in Charlotte or Raleigh, or renting a house in coastal Wilmington, you could have renters insurance in North Carolina with Liberty Mutual for as little as $5 a month.¹

Not necessarily. While it's not required by the state, some landlords and property management companies require proof of rental insurance from tenants. When you buy renters insurance with Liberty Mutual, we'll help make sure you have the right documents to show proof of coverage.

Just like any other state, if you live in North Carolina, renters insurance protects your personal belongings from things like fire and smoke, vandalism and theft, and some natural disasters too.

It also protects you financially if a visitor to your home gets injured and takes legal action.

Let's look at some real-life examples:

• The house you rent is damaged from severe weather and is uninhabitable. Renters insurance can help cover the cost of a hotel until you can move back in.
• Electronics are stolen from your car on a road trip to Asheville. Renters insurance will help you replace these items.
• You start a small fire while cooking dinner for friends in your Chapel Hill apartment. Renters insurance will help pay for the damage (so you can get that security deposit back!).

The coverages below come standard with our renters insurance policies:

• Personal Property Coverage
• Liability and Medical Payments
• Additional Living Expenses

We also offer add-on coverages for renters in North Carolina who want more protection. These include:

• Personal Property Replacement Cost
• Blanket Jewelry
• Earthquake Damage

See all renters insurance coverage options

It's important to know that renters insurance doesn't cover you for floods. It also doesn't cover injuries or damages related to driving.

If you need car insurance, you can save money by bundling your auto and renters policies. Get a multi-policy quote for auto and renters and see how much you could save!

Find out how much you can save when you start your renters insurance quote.

View all renters insurance discounts