Whether you're renting an apartment in the college town of Greensboro or a home in Fayetteville with your family, getting renters insurance should be a top priority. Nationwide's range of policy options can help keep your belongings protected - all at an affordable cost. Our renters insurance coverage provides customizable protection at affordable rates. We even offer renters discounts to help our members save more. Protect your apartment or rented home with the right insurance - start a North Carolina renters insurance quote from Nationwide today.

Is renters insurance required in North Carolina?

While renters insurance is not required by law in North Carolina, some landlords may require it for you to live in their building. It’s generally a good idea to have at least some form of coverage as your landlord’s insurance won’t cover any damage to your personal property. So in the event of a fire, accident, or burglary you will be responsible for replacing your belongings.

North Carolina renters coverages and discounts
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Renters insurance coverage

With Nationwide renters insurance coverage, you enjoy the security of knowing your belongings may be covered if stolen, damaged or destroyed.

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Discounts on renters insurance rates

Save money on Nationwide renters insurance coverage with these renters insurance discounts.

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Policy features that may meet the needs of North Carolina renters

Renting an apartment in Charlotte or Raleigh can be exciting - but are you prepared to cover the costs of your belongings in the event of a theft or even certain natural disasters? Nationwide's renters insurance will do just that so you can go on enjoying all that North Carolina has to offer.
  • Valuables Plus®1 insurance may cover items such as jewelry, watches, antiques and fine art in the event of covered losses, including theft.
  • Medical payments renters insurance may cover others' medical expenses resulting from an accident on your property.

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What factors go into determining a renters insurance rate?

While the average cost of renters insurance varies based on a number of components, these are common factors that insurance companies use to assess risk and determine your renters insurance rate:

Location

The location of the rental property includes state and ZIP code.

Coverage

The type of coverage you choose and how much personal property and liability protection you want your policy to cover.

Deductible

The amount of money you choose to pay out of pocket can affect your renters insurance premium.

Bundle insurance policies

Nationwide offers a variety of multi-policy discount options. Choosing to bundle auto and renters insurance from the same insurance provider can potentially lower your insurance premium.

What to consider when getting renters insurance in North Carolina

North Carolina has had a history of hurricanes and floods for certain periods of time throughout the year. While renters insurance covers damage to property as a result of high winds, any damage as a result of a flood generally is covered under a different policy.

Get a free North Carolina renters insurance review

A Nationwide On Your Side® Review is a free, annual consultation and insurance assessment that can help you:
  • Increase or decrease your deductible(s)
  • Determine the home insurance coverage options that are right for your budget and situation. For instance, did you recently build a garage or gazebo you need covered? Have you installed a protective device that could qualify you for a discount? The On Your Side® Review is a great time to make these types of updates to your policy.
  • Review our responsive home insurance claim policy
Call Nationwide at 1-877-On-Your-Side and get your North Carolina renters insurance quote today.

Nationwide coverage in North Carolina

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[1] Valuables Plus is an optional feature. Exclusions and limits apply. Details vary by state and policy language. Please consult your policy for the specifics of your selected coverages.

Insurance terms, definitions and explanations are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in individual insurance contracts, policies or declaration pages, which are controlling. Such terms and availability may vary by state and exclusions may apply.