Expertise.com

2024

Last updated:

Best Renter's Insurance Companies in Cary

Our Recommended Top 9

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Cary Renter's Insurance Companies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

56Reviewed

37Curated

9Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

1001 Pemberton Hill Rd. Suite 203, Apex, NC 27502
WebsiteLicense: 1000565059

Expertise.com Rating

Review Sources

Google
4.8 (119)
Facebook
5.0 (18)

Why choose this provider?

Marlow Campbell Insurance Group has been serving families, individuals, and businesses in and around Cary since 1999. It offers various risk management solutions, including renters' insurance, which pays for the replacement of policyholders' possessions that have been damaged by catastrophes like fire, vandalism, theft, and explosion. Its agents, who have over a century of combined experience, offer protection plans for both personal and commercial needs. The firm is an active member of the local community, participating in various chambers of commerce and nonprofit organizations.

  • Multiple Carriers
  • Multiple Policy Types

800 W Williams St Suite 231H, Apex, NC 27502
WebsiteLicense: 1000602672

Expertise.com Rating

Review Sources

Google
5.0 (59)
Facebook
5.0 (15)

Why choose this provider?

Affinity Insurance Group is a family-owned agency that serves the Cary area. It provides protection plans for tenants of apartments and rental homes. These policies help pay for replacement and repair costs of stolen and damaged belongings, and they also include personal liability coverage. The insurance brokerage has access to plans from different providers, such as Erie Insurance, Progressive, and The Hartford. It is headed by Mike Petilli, who has over two decades of industry experience.

  • Multiple Policy Types

206 High House Rd, Suite 100, Cary, NC 27513
WebsiteLicense: 6612742

Expertise.com Rating

Review Sources

Google
4.9 (57)
Facebook
5.0 (5)

Why choose this provider?

Josh Benton is a State Farm insurance agent. He serves individuals, families, and businesses in Cary and the surrounding areas. He assists clients in a variety of coverages, such as renters', home, auto, life, and business insurance plans. Benton also offers relocation assistance, mutual funds, annuities, and banking services. He joined the US Army and served for more than 16 years, and worked as a commercial rotary pilot prior to being an insurance agent.

  • Multiple Policy Types

120 New Edition Court, Cary, NC 27511
WebsiteLicense: 1000004768

Expertise.com Rating

Review Sources

Google
5.0 (15)
Facebook
5.0 (5)

Why choose this provider?

Simpson Insurance Agency has been linking renters in Cary to insurance carriers since 1997. It guides clients in choosing the right property policy that allows them to protect their own belongings, including electronics, appliances, furniture, and clothes, against unwanted incidents like burglary. Committed to understanding every need of families, its agents, who have over 50 years of combined industry experience, work with them in identifying and developing the best insurance program for them. They also offer homeowners, life, motorcycle, auto, and flood insurance.

  • Multiple Policy Types

1141 Kildaire Farm Rd, Cary, NC 27511
WebsiteLicense: 12484743

Expertise.com Rating

Review Sources

Google
5.0 (54)
Facebook
5.0 (32)
Yelp
5.0 (2)

Why choose this provider?

Morgan Hedderich is a State Farm Insurance agent who serves clients in Cary. One of her specializations is renters' insurance. She and her team assist individuals and families who are currently staying in rental homes and apartments in finding the right renters' insurance plan that can cover losses from accidents, weather impacts, malicious mischief, and loss of use. She also carries auto, business, life, and health insurance policies. Hedderich has been with State Farm Insurance since 2010.

  • Multiple Carriers
  • Multiple Policy Types

2726 NC Highway 55, Cary, NC 27519
WebsiteLicense: 12165240

Expertise.com Rating

Review Sources

Google
5.0 (70)
Facebook
4.4 (17)
Yelp
5.0 (1)

Why choose this provider?

Bruce Adorian is an insurance agent who serves policy buyers in Cary. He provides a wide range of insurance products, such as business, property, auto, health, life, and renters' insurance. He thoroughly reviews policies and creates customized insurance plans. Adorian also caters to foreigners and fluently speaks Spanish and Chinese. He is an agent at State Farm, a company that has been operating since 1922. It collaborates with several organizations to help students with support resources and networks, including 100 Black Men of America and Education Assist.

  • Multiple Policy Types
  • Home and Auto Insurance

106 North Salem Street, Apex, NC 27502
WebsiteLicense: 1000002623

Expertise.com Rating

Review Sources

Google
4.9 (78)
Facebook
4.7 (34)
Yelp
5.0 (1)

Why choose this provider?

Woomer Insurance & Financial Services is an independent company that serves clients in Cary and the neighboring areas. It offers a wide range of personal insurance policies for renters, homeowners, condominiums, and mobile or manufactured homes. The business also provides coverage for autos, collector cars, personal watercraft, snowmobiles, and valuable items. Woomer Insurance & Financial Services was established in 1998. Its principal agent and founder, Brian Woomer, is a member of an assortment of organizations, including the Independent Agents of North Carolina.

  • Multiple Policy Types

103 Kilmayne Drive, Suite B, Cary, NC 27511
WebsiteLicense: 1000007278

Expertise.com Rating

Review Sources

Google
4.3 (12)

Why choose this provider?

Ed Moore & Associates, Inc., is an independent insurance agency in Cary that serves residential and commercial clientele. Its selection of insurance products includes renters' policies with loss of use coverage, condo insurance protecting the client's personal belongings, and coverage plans for commercial properties. Its agents also assist individuals in acquiring floaters for certain insurance products, like precious items floaters for renters' insurance. The agency has been in business since 1971 and partners with over 10 insurance carriers to provide clients with insurance solutions.

  • Home and Auto Insurance

160 NE Maynard Road, Suite 108, Cary, NC 27513
WebsiteLicense: 6607940

Expertise.com Rating

Review Sources

Google
4.8 (47)
Yelp
1.0 (1)

Why choose this provider?

Peggy Burch is a State Farm insurance professional that serves the community of Cary and nearby areas. Burch offers tenants and renters insurance policies that help them protect their personal belongings in the event of fire, theft, vandalism, and covered water damages. Her renters' insurance plans also provide additional living expenses if a dwelling place becomes uninhabitable from a covered loss. Burch has been with State Farm since 1990. She has a Master's degree in Social Work.

  • Multiple Policy Types

FAQs

  • In Cary, is it mandatory for a tenant to obtain written permission from their landlord to cancel a renters' insurance policy?

    No, tenants in Cary are not required to get a landlord's written consent to cancel a renters' insurance policy. The insurance company must honor a tenant's request to terminate the policy as long as it aligns with the policy's cancellation terms. Additionally, tenants shifting apartments don't necessarily have to terminate their existing renters' insurance. They only have to transfer it to their new address.

  • What is the typical cost of renters' insurance in Cary?

    In Cary and throughout North Carolina, the average annual cost for renters' insurance is $357, considering $40,000 in personal property coverage, $100,000 in liability coverage, and a $1,000 deductible. This is $60 less than the state average of $417. However, the exact premium can vary based on the chosen coverage options and the liability amount the policy offers.

  • What should Cary residents do when choosing between actual cash value and replacement cash value coverage in renters' insurance?

    Cary residents should recognize the difference between Actual Cash Value and Replacement Cost Value in renters' insurance to ensure the desired protection level for their belongings. ACV provides reimbursement based on the current market value of items. In contrast, RCV covers the amount required to replace items with new ones.

  • How can Cary residents determine the appropriate amount of renters' insurance they require?

    Cary residents should gauge the value of their belongings when deciding on renters' insurance coverage. Working with an insurance agent can offer insights into adequate coverage for replacing personal possessions. For those with high-value items like collectibles, jewelry, or fine art, extra coverage might be necessary. Some landlords have stipulations in the lease about the minimum insurance coverage amount, so it's essential to review the terms to ensure compliance.

  • What does "Loss of Use" coverage in renters' insurance entail for Cary residents?

    For Cary residents, "Loss of Use" or Coverage D in renters' insurance provides financial assistance for additional living expenses when their rented home becomes uninhabitable due to a covered event. This includes costs related to alternate housing, meals, and storage. Notably, the insurance only covers expenses that exceed the usual living costs.

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