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Tarheel Insurance Group

201 N Front St
Suite 915
Wilmington, NC 28401

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Renters Insurance Explained

Renters insurance safeguards your personal property against damage or loss and covers you if someone gets injured while in your rented condominium, home, or apartment. If you reside in a rented dwelling in Wilmington, NC, your landlord’s insurance neither covers your assets nor provides liability protection. Given this reality, you need renters insurance from Tarheel Insurance Group to help you financially if a calamity strikes.

Is renters’ insurance coverage mandatory in North Carolina?

Renters insurance is not mandatory in North Carolina. However, some landlords may require you to maintain it for you to reside in their building. Additionally, it’s a prudent idea to possess some form of coverage as your landlord’s insurance won’t cover your possession against damage.

Renters insurance coverage options North Carolina

When shopping for renters insurance in NC, you will encounter the below coverages: 

  • Personal property coverage: It safeguards your personal belongings if they get ravaged by disasters such as fire, vandalism, theft, and so forth. This policy will also reimburse you for your items if they get damaged or burglarized away from your dwelling. However, this coverage provides limited coverage to high-value jewelry, money, securities, and manuscripts. In such cases, secure floater coverage for maximum protection. 
  • Liability coverage: If a guest gets injured at your rented property or if you inflict injuries to third parties or cause damage to their assets, this type of coverage kicks in to cater for legal fees and medical costs.
  • Additional living expenses/loss of use: Some disasters like a hailstorm and other covered perils can turn your condominium uninhabitable. This coverage helps in paying costs when seeking temporal shelter as your rented dwelling is undergoing repairs. 

Buy renters insurance today!

Get a renters insurance quote without any confusion in Wilmington, NC. Call or visit our Tarheel Insurance Group offices and acquire details on what renters’ insurance covers, the type of coverage you need, and when you need it.

Partner Carriers


  • Allstate
  • Attune
  • Cabrillo Coastal
  • Chubb
  • Dairyland
  • Foremost
  • Geovera
  • Grange
  • Guard Insurance Group
  • Hagerty
  • Heritage
  • Kemper
  • Liberty Mutual
  • Lighthouse
  • National General
  • Nationwide
  • North Carolina Joint Underwriting Association (NCJUA)
  • Progressive