The Best Renters Insurance in North Carolina

When you live in the United States, it can feel as if the list of insurance policies you need is never ending and even unnecessary. But, insurance can protect us from having to pay more out of pocket if a loss were to occur. This is especially true for renter’s insurance, which some people may think they can do without.

Find the Best Renters Insurance in North Carolina

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    In this article

      If you live in North Carolina — where floods are common — you don’t need to overspend for a renters insurance plan that’s not right for you. That’s why The Simple Dollar is here, to give you our best-informed recommendations and explain why renters insurance is worth it. Here are our top picks for the best renters insurance companies in North Carolina.

      The best renters insurance in North Carolina

      Most affordable – Amica

      An affordable renters insurance plan that will cover you for all the basics and more.

      J.D. Power Rating
      N/A
      AM Best Rating
      A+
      Standard & Poor’s
      A-
      SimpleScore
      4.6 / 5.0
      close
      SimpleScore Amica 4.6
      Discounts 5
      Coverage 5
      Customer Satisfaction 5
      Support 4
      Accessibility 4

      If you’re looking for a renters insurance plan in North Carolina, Amica is the most affordable, costing less on average than other insurance companies.

      Renters insurance isn’t something that should be overlooked by anyone. But, if you’re already feeling like you’re putting too much money towards rent, then it’s understandable you wouldn’t want a plan that’s going to make your expenses that much higher. This is why Amica is a good option — it’s affordable!

      Most flexible – State Farm

      Renters insurance doesn’t have to be complicated and State Farm knows how to simplify things for its customers by providing excellent customer service. When choosing renters insurance, it;s best to go with a company that people know and trust.

      J.D. Power Rating
      5/5
      AM Best Rating
      A++
      Standard & Poor’s
      AA
      SimpleScore
      4.2 / 5.0
      close
      SimpleScore State Farm 4.2
      Discounts 3
      Coverage Options 5
      Customer Satisfaction 5
      Support 4
      Accessibility 4

      StateFarm offers a wide-range of renters insurance options at a reasonable price. StateFarm is a well-known insurance company. There’s a reason it’s  become a household name (and it’s not the catchy ads). StateFarm provides the best value for customers looking for renters insurance in North Carolina, with broad coverage at a good price. It’s known for having excellent customer service and helping people understand what insurance policy is best for them.

      Best for smart homes – American Family

      American Family is a straightforward renters insurance plan, with good savings. But, it may not cover everything you’d want, so be sure to read the fine print.

      J.D. Power Rating
      5/5
      AM Best Rating
      A
      Standard & Poor’s
      N/A
      SimpleScore
      4.8 / 5.0
      close
      SimpleScore American Family 4.8
      Discounts 5
      Coverage Options 5
      Customer Satisfaction 5
      Support 4
      Accessibility 5

      Want a renters insurance plan that’s caught up with the times? American Family has all the traditional renters insurance coverage, along with plans for those that have a modern-day home.

      American Family helps renters keep their belongings secured if the unexpected were to happen. But, read the fine print because certain items —  such as jewelry — only have a limited amount of coverage. You may need to add more depending on what you’d like to have covered.

      Best for user-friendly technology – Assurant

      Renters insurance through Assurant is quick, easy and painless.

      J.D. Power Rating
      N/A
      AM Best Rating
      A
      Standard & Poor’s
      N/A
      SimpleScore
      3.7 / 5.0
      close
      SimpleScore Assurant 3.7
      Discounts N/A
      Coverage Options 5
      Customer Satisfaction N/A
      Support 3
      Accessibility 3

      If you need to get renters insurance in North Carolina quickly, then Assurant has a user-friendly interface that can get you renters insurance online in no time. Assurant makes it fast and easy to get renters insurance in North Carolina with straightforward plans. The company sends proof straight to your landlord and makes it easy to add on roommates or transfer your insurance to a new address if you move. Its user-friendly website makes it a smooth process to get covered for those who don’t have time to read through lengthy texts to compare different coverages.

      Best for reliability – Nationwide

      Even though Nationwide is an insurance company that operates throughout the U.S., it still makes an effort to be as local as possible when it comes to helping people navigate their insurance policies with ease.

      J.D. Power Rating
      2/5
      AM Best Rating
      A+
      Standard & Poor’s
      AA+
      SimpleScore
      3.8 / 5.0
      close
      SimpleScore Nationwide 3.8
      Discounts 4
      Coverage Options 5
      Customer Satisfaction 2
      Support 4
      Accessibility 4

      Nationwide is another well-known name in insurance, and if you live in North Carolina and want a reliable option, look no further.

      Nationwide has a comprehensive overview of its renters insurance policies. It’s a good option for renters who plan on taking out other policies as well, since the company offers bundles that’ll save you money on your plans. Nationwide is very transparent about what’s covered in its different plans and what you should purchase as extra coverage based on weather patterns that are common in North Carolina.

      Find the Best Renters Insurance in North Carolina

      Save money on renters insurance with our simple comparison tool.

      Matching you with providers.
      We found results in
      Click at least 2-3 companies to find the very best rate.

        Powered by HomeInsurance.com (NPN: 8781838)

        America’s top-rated renters insurance

        • Policies starting at just $5/month
        • Sign up in seconds, claims paid in minutes
        • Zero hassle, zero paperwork

        [ Read: Is Renters Insurance Really Necessary? ]

        How much does renters insurance cost in North Carolina?

        According to the Insurance Information Institute (III), the average cost of renters insurance is around $157 per year, but North Carolina tends to be much lower than this on average. Of course, the cost of renters insurance — particularly the cost of your premium — depends on several factors, including the type of home you live in, location, the value of your belongings, your deductible and even your credit score.

        Before choosing a plan, consider how much coverage you’ll need based on your belongings, what they are worth, who you live with, the weather patterns in your area and how much you’d essentially be able to pay out of pocket if something were to be damaged or someone got hurt in your home. You’ll also want to decide if you want to add additional coverage for anything you’d like covered that your plan does not have, for instance, pets, expensive jewelry, roommates, flood insurance, etc.

        Choosing your provider  

        It’s one thing to research what type of renters insurance is right for you based on the premium you want to pay, the coverage you need and how easy or difficult it is to take out a plan. But, beyond that, you also need to decide if a local carrier or a national carrier is a better fit. Here are some pros and cons to consider to help you make your choice when purchasing renters insurance in North Carolina.

        Local carrier

        Pros 

        • A more personable experience with attentive customer service.
        • Transparency and openness about what’s covered and what’s not.
        • Plans tend to have coverage related to common concerns in that specific area and they understand what you need most.
        • More affordable than national carriers.

        Cons 

        • There’s always the question of reliability since they are not known on a wider scale.
        • May be hard to find answers to questions if they come up.
        • Perhaps not all the same things will be covered as they would with a national carrier.
        • May not be able to get a discount by combining it with other plans as the company may only specialize in a few types of insurance policies.

        National carrier

        Pros

        • Reliable and trustworthy.
        • Plans are extensive and you have the ability to get a discount by adding other insurance plans.
        • Clear steps to signing up.

        Cons 

        • Is often more expensive than local companies.
        • May be more difficult to get true customer support.
        • May need to read the fine print really carefully to ensure what’s covered.

        [ More: Renters Insurance Terms to Know ]

        Things to know about renters insurance in North Carolina 

        When inquiring about renters insurance, the top concerns are typically price and what’s covered. In North Carolina, you’ll want to ask about coverage in certain weather events, as the state can sometimes be hit by rough storms, like hurricanes. You’ll want to know to what extent you’ll have coverage if this were to happen. This is especially true for flooding — many policies do not cover flooding in their basic plans, so you’ll want to make sure you have protection for that.

        North Carolina’s renters insurance requirements

        Renters insurance is not required by law in North Carolina, however, your landlord may require it when you sign a lease. Even if they do not require it, it’s always a good idea to protect yourself with at least some level of coverage. The best way to do this is to evaluate your personal property and what it would cost to replace. It’s also important to be clear about what the landlord’s coverage will protect for you and what you need to protect for yourself if it cannot be fixed or replaced. This can include pets and if someone gets hurt at your residence and you need to cover them for liability.

        North Carolina insurance FAQs

        No. Renters insurance is not required by law, but your landlord may require you to have it.

        You’ll want to check your deductible and how much you are covered up to for liability. It’s easy to determine your personal property’s worth, but you’ll want to be protected in case someone else perhaps gets injured at your home and you may be responsible. You can discuss this with your landlord as well. In North Carolina, you’ll also want to check which damages from weather events are covered and up to what amount.

        With many plans costing less than $100 a year, you may find that having renters insurance will give you peace of mind in case something were to happen.

        We welcome your feedback on this article and would love to hear about your experience with the renters insurance providers we recommend. Contact us at inquiries@thesimpledollar.com with comments or questions.

        Methodology

        SimpleScore

        The SimpleScore is a proprietary scoring metric we use to objectively compare products and services at The Simple Dollar.
        For every review, our editorial team:

        • Identifies five measurable aspects to compare across each brand
        • Determines the rating criteria for each aspect score
        • Averages the five aspect scores to produce a single SimpleScore™

        Here’s a breakdown of the five aspect scores and their rating criteria for our renters insurance reviews.

        Why do some brands have different SimpleScores on different pages?

        To ensure the SimpleScore is as helpful and accurate as possible, we developed unique criteria for every category we compare at The Simple Dollar. Since most brands offer a variety of financial solutions, their products and services will score differently depending on what we’re scoring on a given page.

        However, it’s also possible for the same product from the same brand to have multiple SimpleScores. For instance, if we compare State Farm’s home insurance according to our criteria for the best home insurance, it scores a 3.8 out of 5. But when we compare State Farm according to the criteria for the best auto insurance, it scores higher, since the features the company offers can vary by the type of insurance.

        Discounts

        We awarded higher scores to insurance providers with more discounts available on their website.

        Coverage Options

        We gave providers with more renter insurance coverage options a higher score because they’re more likely to have a policy that best meets your needs.

        Support

        We awarded higher scores to renters insurance providers with the most channels for customer support.

        Customer Satisfaction

        We leveraged the J.D. Power Home Insurance Satisfaction Study℠ to see how customers rated their experience with each insurance provider. (If a provider wasn’t included in J.D. Power’s study, we skipped this aspect and averaged the four remaining aspect scores.)

        Accessibility

        We awarded higher scores to insurance providers that have more online and mobile features to easily manage your policy and claims.

        Reviewed by

        • Nashalie Addarich
          Nashalie Addarich
          Insurance Editor

          Nasha Addarich is an editor at The Simple Dollar and a former attorney who specializes in home insurance, auto insurance, life insurance, and savings. She is a former contributing editor to Reviews.com.