Renters Insurance in North and South Carolina
Securing renters insurance should be a top priority for anyone considering renting a property in the Carolinas. AAA Insurance Rickard Agency offers a variety of affordable policy options to protect your belongings while living in a rental home or apartment.
Our renter's insurance policy offers tailored protection for your specific situation. We have the renters policy you need, from a skyrise apartment in downtown Charlotte to a duplex in Fort Mill. We even offer bundled discounts when you have additional policies or a AAA membership. You can protect the contents of your apartment or rented home in NC or SC with the right insurance. AAA Insurance Rickard Agency can provide you with a customized renters insurance quote today. Keep reading to find out if you need renters insurance and what to expect when shopping for a policy.
Can Landlords Require Renters Insurance in NC or SC?
Renters insurance is not required by federal law; however, some landlords may require proof of renters insurance as part of the lease agreement. Although renters insurance is not mandated by law in North Carolina or South Carolina, some landlords may require it because your landlord's insurance will not cover any of your personal property if it is damaged. As a result, you will be responsible for replacing your belongings if there is a fire, an accident, or a burglary. Because this type of coverage is not included in your monthly rent, you must protect your valuables as a tenant. Your landlord's insurance only covers the house or building.
What Is Covered by Renters Insurance?
Personal property coverage, renters liability insurance, and additional living expenses are the three types of coverage that are typically provided by renters insurance. Different insurance companies may call these coverage types by different names, but they all work the same way in general.
When it comes to renters insurance, most people think of personal property or personal belongings coverage. Furniture, clothing and shoes, electronics and devices, appliances and kitchen equipment, home goods such as bedding and towels, and most sports and hobby equipment such as bicycles and musical instruments are examples of personal belongings.
Certain personal belongings, such as jewelry, artwork, collectibles, and specialized computer or hobby equipment, may be excluded from a standard policy if their value exceeds a certain threshold. A policyholder will have the opportunity to add coverage for items that exceed the standard coverage limits. These policy add-ons are commonly referred to as riders, floaters, or additional personal property coverage, and they are a cost-effective way to ensure that you are compensated if your valuables are stolen, damaged, or destroyed.
How Do I Buy Renters Insurance?
Getting a quote from AAA Insurance Rickard Agency is the first step towards securing a personalized renters insurance policy. Quotes can generally be obtained online or by speaking directly to an insurance agent in our local office. Once you receive a quote for a policy, you have the choice of purchasing insurance. You can usually do so in a number of ways: submitting an application online or through an agent either over the phone or in person.
What To Expect When You Speak With An Agent
An agent at AAA Insurance Rickard Agency will go over how much renters insurance might cost, determine how much renters insurance you need, and how you can save money on your coverage to see if it's an expense you can afford. When applying or getting a free quote, you'll be asked for basic personal information, details about your rental property, and the type of coverage you would like. While your credit is checked, it's usually a soft pull on your file so that it won't impact your credit. We will also ask what other policies you may have to give you a bundle discount. Please let us know if you have any of the following policies elsewhere: auto insurance, homeowners insurance, life insurance, renters insurance, small business insurance, boat insurance, golf cart insurance, motorcycle insurance, rental property insurance.
IF YOU ARE A RESIDENT OF NORTH CAROLINA, SOUTH CAROLINA, OR CONSIDERING MOVING TO THE CAROLINAS AND ARE INTERESTED IN A RENTERS INSURANCE POLICY, CHECK US OUT AT RICKARDINSURANCEAGENCY.COM OR GIVE US A CALL AT 803.339.8205 FOR A FREE QUOTE!