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Home > Renters Insurance in Asheville, NC, Candler, NC and Weaverville, NC

Renters Insurance


Renters Insurance Quote Forms

Looking for coverage? Click any of the following links to submit a quote for quick, accurate and affordable rates.

Renters Quote Form

Renters Insurance Customer Service Options

Self policy service any time of the day, directly from our website. To request a policy change on your account, click any of the following policy service options below.

Renters Property Loss Claim Form
Request Declaration and Coverages Page for Existing Renters Insurance Coverage

Renters Insurance Information

If you are a tenant, renters insurance might be something to consider. Because you’re renting a dwelling, there are a variety of unforeseen accidents that might occur. Renters insurance can help cover your personal belongings following an accident inside the dwelling you’re renting, protecting you from paying significant out-of-pocket expenses related to item recovery or damage. 

What Is Renters Insurance?  

Renters insurance, like most insurance policies, works like a contract. In exchange for an insurance premium, your insurer will provide you with financial assistance following an accident to assist with covering damage or recovery costs for your possessions up to your chosen policy limit. Most policies also have a deductible, which is the amount you need to pay out-of-pocket for a claim before insurance steps in.   

What Does Renters Insurance Cover?  

Renters insurance differs from homeowners coverage in that it does not offer coverage of the structure since the tenant does not own the home. Most renters policies typically include:  

  • Possessions coverage

  • Liability coverage

  • Additional living expense coverage


These plans
can be tailored with specialized benefits like:

  • Scheduled items riders

  • Umbrella liability insurance

  • Flood insurance

  • Earthquake and windstorm endorsements

  • Pet liability insurance


Who Needs Renters Insurance?  

Typically, tenants need renters insurance, as they are staying in a home or dwelling that they do not own. Landlords usually require their renters to purchase policies because, in doing so, the renter reduces the landlord’s liability for accidents or losses that occur in the home. 

Is Renters Insurance Expensive?  

Multiple factors will influence the cost of your renters insurance, such as:  

  • The value of your possessions

  • The home’s location

  • Your credit score

  • Security features in the home

  • Your chosen policy and coverage limits


How Much Renters Insurance Should a Landlord Require? 

The insurance needs of renters can vary from tenant to tenant. Some landlords might require tenants to have some type of renters insurance policy to ensure their personal belongings are protected if an accident occurs. Landlords might also require tenants to have liability insurance. Reach out to McKinney Insurance Services to learn more about renters insurance and liability coverage. 

Contact Us 

If you are a tenant near Asheville, North Carolina, we can help you out. The agents at McKinney Insurance Services are dedicated to assisting you in learning more about renters insurance so you can make the right decision on a policy for the dwelling you’re renting. Don’t waste a second in finding coverage. 

Contact us today at 800-684-5020 to learn more. 

Contact Us Today!
800 - 684 - 5020

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Asheville, NC 28803

Phone: 800-684-5020 | Fax: 828-684-1810 | info@mckinneyagency.com
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