Renters Insurance: Do You Need It When PCSing to MCAS Cherry Point?

Moving to a new duty station can bring a long checklist. Whether you are stepping into base housing, renting a townhouse off-base or landing temporarily in a furnished apartment, your personal belongings may need renters insurance coverage from the moment the movers arrive.

Understanding Renters Insurance for Military Families

Renters insurance can cover your personal property, personal liability and additional living expenses if your unit becomes temporarily uninhabitable. A standard policy can follow you, covering your belongings in your apartment, in your car or in a storage unit during the transition.

Why Coverage Matters During PCS

A permanent change of station (PCS) move can be high-risk. Items can be packed, loaded, stored and transported across great distances, sometimes multiple times. While the military can provide some coverage for household goods in transit, gaps exist. Renters insurance can help fill those gaps and financially safeguard items not covered under government shipments, including electronics, jewelry and high-value gear.

How We Can Support Your Move

Our agents work with multiple carriers, helping you explore options tailored to your timeline and budget. We can help you compare policies, identify coverage gaps, and make sure your coverage is active before your household goods are delivered.

Military families moving to and around New Bern, Morehead have unique needs, and we know how to address them. Relocating is stressful enough without worrying whether your belongings are covered. Contact Amato Insurance Group before your move date and let us help you settle in.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.