Renters Insurance in New Bern, Morehead
Renters insurance can be a practical choice for anyone leasing an apartment, condo or house. Many landlords now require tenants to carry renters insurance, but even when it is not required, having coverage can help reduce high out-of-pocket costs after a covered loss.
What Does It Cover? 
Standard renters insurance policies may include the following:
- Personal property coverage may help pay to repair or replace your belongings, such as furniture, electronics and clothing, if they are damaged or stolen due to covered events like fire, theft or certain types of water damage.
- Liability coverage may assist with legal expenses and medical bills if someone is injured while visiting your rental or you accidentally cause damage to someone else’s property.
- Additional living expenses coverage may cover the cost of temporary housing and related expenses if your rental becomes uninhabitable due to a covered loss.
What Can Influence My Insurance Rates?
Costs can vary based on factors such as:
- The value of your personal property
- Coverage amounts and limits you choose
- Your location
- Past claims history
What Does This Policy Exclude?
Even with broad coverage, renters insurance may not cover the following losses, among others:
- Flood damage: Losses caused by flooding usually require a separate flood insurance policy.
- Wear and tear: Gradual damage and maintenance issues are typically not covered.
- Business property: Items used for business may have limited or no coverage.
- High-value items: Expensive jewelry, art and collections may need additional coverage.
- Earthquake damage: Damage resulting from earthquakes is often excluded unless you add specific coverage.
Our Team Can Help
Contact Amato Insurance Group today for a free custom quote.