North Carolina renters insurance

Learn about renters insurance in North Carolina. Find out about common coverages, available discounts, and options to help you customize your policy in the Tar Heel State. Progressive offers online tools so you can quickly and easily get a customized quote based on your needs and budget.

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Is renters insurance required in North Carolina?

State law doesn't require residents to purchase renters insurance. However, many landlords may require tenants to buy a policy before they can move in. Even if you're not obligated to carry renters insurance, North Carolina renters insurance policies are usually inexpensive and may protect you against covered perils that otherwise may result in financial loss.

North Carolina renters insurance coverages

Check out the four standard coverages on nearly all North Carolina renters insurance policies:

  • Personal property protects your personal belongings, including furniture, clothing, and electronics.
  • Loss of use helps cover costs associated with an increase in living expenses, up to your policy's limit, if you're unable to stay in your home while it's being repaired or rebuilt due to a covered loss.
  • Personal liability protects you financially if you're legally responsible for another person's injuries or damage to their property.
  • Medical payments to others pays for medical expenses due to a covered occurrence.

Additional coverages

For tenants renting apartments, condos, or homes, the best renters insurance in North Carolina is always a policy with customized coverage limits. Here are some extra options for when you need more protection:

  • Certain valuable items, like jewelry, art and collectibles, may have specific limits on your renters policy. If your items exceed the limit, you may be able to purchase an endorsement for your policy, also known as "adding a rider," to cover the item for its value.
  • Personal injury: may pay for legal fees and damages if you're liable for slander or defamation.
  • Water back-up: Water that backs up through sewers or drains or discharges from a sump pump may not be covered by your standard renters policy. Water back-up coverage may pay for the damage to your belongings and water removal costs.

Learn more about renters insurance coverages.

Common claims in North Carolina

Because of its unique geography and position on the Eastern Seaboard, North Carolina is no stranger to tornadoes, hurricanes, tropical storms, and severe winter weather. A renters policy may pay for damaged personal belongings from a covered peril, up to your policy's limits (minus your personal property insurance deductible).

Flooding is fairly common in North Carolina due to the frequency of severe weather the state endures. While flooding isn't covered by a standard renters policy, a separate flood insurance policy may cover personal belongings against flood damage.

Discounts on North Carolina renters insurance

Progressive offers several discounts to help lower the cost of renters policies in North Carolina, such as:

  • Multi-policy
  • Quote in advance
  • Pay in full
  • Secured/gated community

See more of our available renters insurance discounts.

Pro tip:

Progressive makes it easy to find the right policy for you. Our Home Quote Explorer® tool lets you compare rates and coverages from multiple renters insurance companies.

How much is renters insurance in North Carolina?

The average price for renters insurance from Progressive Home, one of the insurers in Progressive’s network and part of our family of companies, is less than $1 a day*. However, many factors affect the cost of renters insurance, including your location, coverage limits, and claims history. Learn more about renters insurance cost factors.


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Please note: The above is meant as general information to help you understand the different aspects of insurance. Read our editorial standards for Answers content. This information is not an insurance policy, does not refer to any specific insurance policy, and does not modify any provisions, limitations, or exclusions expressly stated in any insurance policy. Descriptions of all coverages and other features are necessarily brief; in order to fully understand the coverages and other features of a specific insurance policy, we encourage you to read the applicable policy and/or speak to an insurance representative. Coverages and other features vary between insurers, vary by state, and are not available in all states. Whether an accident or other loss is covered is subject to the terms and conditions of the actual insurance policy or policies involved in the claim. References to average or typical premiums, amounts of losses, deductibles, costs of coverages/repair, etc., are illustrative and may not apply to your situation. We are not responsible for the content of any third-party sites linked from this page.