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Your rental home is more than just four walls -it's where your memories are made, and your valuable possessions reside. Renters insurance provides essential protection for the things that matter most, from your favorite gadgets to cherished furniture.

RENTERS INSURANCE QUOTE

20 YEARS OF COMBINED EXPERTISE

15 PARTNERS ACROSS NORTH CAROLINA

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Secure Your Belongings

Rent confidently with coverage you can count on- Insure with You!

Affordable, Tailored Coverage

We provide flexible renters insurance options to fit your budget and lifestyle. Only pay for what you need, with policies starting at affordable rates.

Easy Enrollment

Getting life insurance shouldn't be complicated. Our streamlined process makes it quick and easy to apply, with knowledgeable agents ready to guide you through every step.

Fast and Easy Quotes

Get a personalized quote in minutes. Our seamless process makes it quick and simple to find the right coverage without unnecessary hassle.

Dedicated Support

We don't just sell policies - we build relationships. Our team is here to answer your questions, adjust your coverage as your needs change, and ensure your policy works for you when it's most needed.

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Top Tips for First-Time Renters

1. Understand Your Budget

Before starting your search, determine how much you can afford to spend on rent and other expenses like utilities, internet, and renters insurance. A good rule of thumb is to keep your rent at 30% or less of your monthly income.

2. Know Your Rights as a Renter

Familiarize yourself with North Carolina’s tenant laws to understand your rights and responsibilities. For example, landlords must provide safe and habitable living conditions, while you are responsible for paying rent on time and keeping the property in good condition.

3. Don’t Skip Renters Insurance

Renters insurance protects your personal belongings against theft, fire, and other unexpected events. It’s affordable and offers liability coverage in case someone gets injured in your rental space.

4. Inspect the Property Before Moving In

Take a close look at the rental property before signing the lease. Check for damage, plumbing issues, or signs of pests. Document any pre-existing issues with photos and notify your landlord in writing to avoid being held responsible when you move out.

5. Read the Lease Carefully

The lease outlines the terms and conditions of your rental agreement. Pay attention to details like:

The rent amount and due date
The security deposit amount and refund policy
Rules about pets, guests, and parking
Maintenance responsibilities

Ask questions about anything you don’t understand before signing.

6. Budget for Upfront Costs

First-time renters often underestimate the upfront costs of moving in. Be prepared to pay:

A security deposit (typically one month’s rent)
The first month’s rent
Application or administrative fees
Moving expenses

7. Know What’s Included in Your Rent

Ask if utilities like water, electricity, or internet are included in the rent. If not, factor these into your budget. Some rentals may also charge additional fees for amenities like parking or shared facilities.

8. Communicate with Your Landlord or Property Manager

Maintain open communication with your landlord or property manager. Notify them immediately if repairs are needed or if you encounter any issues in the rental property. Good communication helps ensure a positive renting experience.

9. Create an Emergency Fund

Unexpected expenses can arise, such as car repairs, medical bills, or rent increases. Having a small emergency fund ensures you’re financially prepared for surprises.

10. Document Everything

Keep copies of all rental agreements, receipts, and communications with your landlord. This helps protect you in case of disputes over repairs, security deposits, or other issues.

11. Prioritize Safety

Look for properties with security features like deadbolt locks, well-lit parking areas, and secure entrances. If something feels unsafe, don’t hesitate to address it with your landlord.

12. Be a Good Neighbor

Respect your neighbors by keeping noise levels reasonable, following community rules, and being courteous. Building positive relationships with your neighbors can improve your living experience.

Renting for the first time is an exciting milestone, but it’s important to be informed and prepared. By following these tips, you can ensure a smooth and successful experience as a first-time renter!

Understanding Liability Coverage

What is Liability Coverage?

Liability coverage is a type of insurance that protects you financially if you are found responsible for causing injury to another person or damage to their property. It covers legal costs, medical expenses, and repair or replacement costs for the affected party, ensuring you’re not left paying out of pocket for potentially expensive claims.

How Liability Coverage Works

If an accident or incident occurs where you are legally deemed at fault, liability coverage steps in to:

Cover Medical Expenses: Pays for the injured party’s medical treatment, such as doctor visits, hospital stays, or rehabilitation.
Pay for Property Damage: Covers repairs or replacement costs for damage caused to someone else’s property, such as a car or home.
Handle Legal Costs: Covers attorney fees, court costs, and settlements or judgments if you’re sued for the incident.

Types of Liability Coverage

Auto Liability Coverage
- Bodily Injury Liability: Covers injuries to other people in an accident where you are at fault.
- Property Damage Liability: Pays for damage to another person’s vehicle, home, or other property caused by your vehicle.
Homeowners or Renters Liability Coverage
- Protects you if someone is injured on your property (e.g., a guest trips and falls).
- Covers damages if you accidentally cause harm to someone else’s property (e.g., water from your apartment leaks into a neighbor’s unit).
Business Liability Coverage
- Protects businesses from claims of bodily injury or property damage caused by their operations, employees, or products.
- Includes coverage for legal expenses in the event of lawsuits.

Why is Liability Coverage Important?

Financial Protection: Liability claims can be expensive, often costing tens of thousands or even millions of dollars. Liability coverage shields you from these unexpected costs.
Legal Compliance: Auto liability insurance is required by law in most states, including North Carolina, with minimum coverage limits set for bodily injury and property damage.
Peace of Mind: Knowing you’re protected against accidents and lawsuits allows you to focus on your life or business without constant worry about potential risks.

What Liability Coverage Doesn’t Cover

Your Own Injuries or Property Damage: Liability coverage is designed to protect others, not cover your personal medical expenses or damages to your property. Separate coverage (such as collision insurance or personal health insurance) is needed for these.
Intentional Harm: It doesn’t cover damage or injury caused intentionally.

Key Considerations

Understand Your Limits: Liability coverage comes with limits, which is the maximum amount your policy will pay per incident. Ensure your limits are high enough to cover serious accidents.
Consider Umbrella Insurance: For extra protection, consider adding an umbrella policy, which provides additional liability coverage beyond the limits of your auto or home insurance.

Liability coverage is a critical part of protecting yourself, your family, or your business from financial hardship due to accidents or unexpected events. Whether it’s through your auto, home, or business insurance, liability coverage offers essential protection that helps you navigate life’s uncertainties with confidence.