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Laura Berry

Former Insurance Agent

Former Insurance Agent

Joshua Adamson

Joshua is a copywriter at Obrella who for more than 10 years has been creating content about insurance, health care, and more. He helps companies explain complex insurance subjects in simple ways so that customers can make smart buying decisions. He spends way too much time binge-watching Netflix, loves the outdoors and has a cat who tolerates him.

UPDATED: Jul 16, 2021

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If someone hurts themselves in your apartment, a fire breaks out downstairs, or wind and water wreak havoc on your belongings, renters insurance may save you. That’s because renters insurance is designed to protect you and most of your personal property from things outside of your control and provide financial assistance to replace items or pay for medical and legal costs. We’ve done the research to provide North Carolina renters with the inside scoop on the average cost of renters insurance policies in the state.

North Carolina Renters Insurance Pricing

The average cost of renters insurance coverage in North Carolina is about $134 annually. Good news for you, that’s 28% below the national average cost. At such an affordable price and with the protection it provides you and your belongings, it’s worth the small price tag. Think about it: the average smartphone costs more than North Carolina renters policies. If you ever need to file a claim, having the financial support of a renters insurance policy can save you thousands.

What does North Carolina renters insurance cover?

In 2012, North Carolina recorded 328,719 burglaries. If this happens to you and you don’t have a renters insurance policy, you could be out more money than you realize. Renters insurance also protects your personal property and will help replace them for you if there is a fire, smoke damage, water damage (not flood), and wind. Plus, rental insurance can cover medical expenses and other legal costs if someone gets hurt on your property. The fact of the matter is that a lot can go wrong. Make sure you’re covered if and when it does.

Where can I find discounts on renters insurance in North Carolina?

Save on your renters insurance premium with the following discounts that may be available to you:

  • Bundling: Multi-policy agreements will give you a rate cut.
  • Previous claims: Those who haven’t ever filed a claim will usually save more on premiums.
  • Safety hardware: Smoke detectors, fire alarms, sprinklers, and security devices all add up to discounts.
  • Higher deductibles: If you pay more for a deductible, you’ll save monthly.

North Carolina Renting Facts

34% of people in North Carolina rent their homes.  Since the average policy is only $134 and the average rent for a two bedroom is $764, it’s a very affordable precaution to take.   It would only take 18 working at the minimum wage of $7.25 to pay for the annual premium.   We think that’s a reasonable price for everything that comes along with it.

Speak With an Expert

Do you have more questions about rental insurance in North Carolina?  Call [mapi-phone /] to speak to a licensed agent who can answer any questions you may have.  Or are you ready to start shopping? Those same agents can get you a free quote on renters insurance near you.

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