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2024

Last updated:

Best Renter's Insurance Companies in Charlotte

Our Recommended Top 18

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 Charlotte 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.

267

Reviewed

167

Curated

18

Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
1973 J.N. Pease Place Suite 203, Charlotte, NC 28262
  • Multiple Policy Types

Why choose this provider?

O'Connor Insurance Associates offers protection plans in Charlotte. Its renters' insurance policies cover loss or damage of personal possessions due to burglary, fire, and other disasters. Some coverages include liability protection if the individual accidentally damaged the rental property or if somebody gets injured at the premises. It also pays renters for temporary accommodation if the rental property becomes uninhabitable. Home, auto, and business insurance are also available. Since 2000, the agency has been managed by the husband-and-wife tandem of Terry and Michelle O’Connor.

License Verified:

License: 1000012636

North Carolina Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (129)
Facebook
5.0 / 5 (13)
Yelp
4.5 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
4801 East Independence Boulevard, Charlotte, NC 28212
  • Multiple Policy Types

Why choose this provider?

AAC Insurance Group is a family-owned and operated independent agency that has been providing a variety of comprehensive insurance plans to clients in Charlotte and the surrounding areas for more than 40 years. Renters' insurance plans will help cover one's personal possessions from losses caused by theft, vandalism, fire, or windstorms. It will also cover the liability of a client in case of injury in the property. AAC Insurance Group also offers other products, such as auto and small business insurance.

License Verified:

License: 6569888

North Carolina Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.0
Google
4.0 / 5 (12)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
6701 North Tryon Street Ste U, Charlotte, NC 28213
  • Multiple Carriers
  • Multiple Policy Types

Why choose this provider?

Mitchell Insurance Services is an independent insurance agency that has been serving residents of Charlotte and the surrounding areas for more than 25 years. It offers renters' insurance from several insurance carriers, such as Travelers, MetLife, and Zurich, providing coverage for policyholders' belongings and liabilities. The agency also carries insurance products for automobiles, homes, and businesses. Its agents live and work in the metro, which makes them familiar with developments in the insurance market. Founder Lacy Mitchell operates the local agency.

License Verified:

License: 1000013524

North Carolina Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.0
Google
4.0 / 5 (58)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
6132 Brookshire Boulevard, Charlotte, NC 28216
  • Multiple Policy Types

Why choose this provider?

For over 30 years, Capstone Insurance Agency, LLC, has served the insurance needs of individuals, families, and businesses in Charlotte and the communities of Gastonia, Mt. Holly, Huntersville, and Rock Hill. It carries renters' insurance plans that cover damage or loss from burglaries, fires, certain water damage, temporary accommodation, and accidental damage. Additionally, it provides commercial insurance plans like BOP, general liability insurance, commercial umbrella, commercial property, general liability, and workers’ compensation insurance. Candy Williams is the agency principal.

License Verified:

License: 1000579259

North Carolina Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (69)
Facebook
5.0 / 5 (12)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
1805 Sardis Road North Suite 136, Charlotte, NC 28270
  • Multiple Carriers
  • Multiple Policy Types

Why choose this provider?

Peco Insurance is a firm serving clients in Charlotte and the surrounding areas. It provides a variety of insurance products, including renters' coverage. Its specialists write renters' policies to insure clients' personal belongings against named perils, such as fire, theft, and vandalism. Premium plans for homeowners and landlords are also available. They shop around and deal with different carriers to meet the demands of clients and assist them with filing claims and processing payments. Peco Insurance accommodates Spanish-speaking customers.

License Verified:

License: 1000433027

North Carolina Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.4
Google
4.6 / 5 (48)
Facebook
5.0 / 5 (5)
Yelp
1.0 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
1850 E 3rd Street, Suite 360, Charlotte, NC 28204
  • Multiple Policy Types

Why choose this provider?

Denis Wilson is a State Farm insurance agent who serves the city of Charlotte. He helps individuals and families protect their lifestyles and prepare themselves for the future by offering personal insurance products, such as auto, life, home, health, and renters' insurance. He and his team take the time to discuss clients' financial goals and help protect them. Denis also provides business insurance plans and financial services. He has been working for the agency since 1995, and is one of State Farm's top ten qualifiers.

License Verified:

License: 639522

North Carolina Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (80)
Facebook
5.0 / 5 (24)
Yelp
5.0 / 5 (4)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
6824 Albemarle Road, Charlotte, NC 28212
  • Multiple Policy Types
  • Multiple Carriers

Why choose this provider?

Pegram Insurance is a multi-line agency that serves the greater Charlotte area. The independent company offers several products such as renters' insurance which can help pay for replacement costs in case a policyholder's belongings get stolen or damaged due to fire or vandalism. Its team has access to policies from multiple providers, including Progressive, National General, and Farmers Insurance, allowing the insurance specialists to find suitalbe plans for renters. Pegram Insurance also offers home, car, and business insurance.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.1
Google
4.0 / 5 (237)
Facebook
5.0 / 5 (20)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
7520 E Independence Blvd Ste 180, Charlotte, NC 28227
  • Multiple Policy Types

Why choose this provider?

All Graham Insurance is a multi-line agency serving clients in Charlotte. The company has been in business for over two decades, providing renters', homeowners', life, auto, and business insurance, in addition to dental and vision coverage. Its renters' insurance policy includes coverage for improvements, property damage, and personal liability. Its independent agents assess for each client's specific needs and tailor each coverage to protect a policyholder's most valuable assets. They work with numerous carriers, including Progressive, Safeco, Nationwide, Kemper, and Liberty Mutual.

License Verified:

License: 1000495548

North Carolina Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Facebook
5.0 / 5 (24)
Google
4.8 / 5 (21)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
4822 Albemarle Road, Charlotte, NC 28205
  • Multiple Carriers
  • Multiple Policy Types

Why choose this provider?

Founded in 2008, Select Insurance Group provides insurance services in Charlotte and the surrounding areas. The company offers renters' insurance that helps families and individuals protect their homes and belongings. In addition to renters' insurance, it also provides policies for auto, homes, businesses, and motorcycles. Select Insurance Group has a quote hotline in English and Spanish language. It partners with different carriers to provide a wide variety of options that clients can choose from.

License Verified:

License: 1000503339

North Carolina Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
3.9
Google
4.0 / 5 (73)
Facebook
3.0 / 5 (10)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
2901 Coltsgate Rd #100, Charlotte, NC 28211
  • Multiple Policy Types

Why choose this provider?

Executive Insurance is a locally owned and operated independent agency in Charlotte, partnering with multiple carriers to provide clients with customized coverage that fits their needs. It helps individuals living in apartments and rental homes protect their personal belongings through renters' insurance. It offers insurance products that cover additional living arrangements, medical expenses, loss of property, and improvements made to rental properties. The agency also provides homeowners', auto, condo, and umbrella insurance. Executive Insurance crafts personalized solutions.

License Verified:

License: 1000433859

North Carolina Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (5)
Facebook
5.0 / 5 (5)

Website
8821 University East Dr STE 205, Charlotte, NC 28213
  • Multiple Carriers

Why choose this provider?

Martin Insurance Group, Inc., serves individuals in and around the Charlotte area. It provides a wide variety of insurance products, including personal insurance coverages. These include renters' insurance policies that cover personal properties in case of unexpected circumstances, such as theft and fire. The agency partners with multiple carriers in the industry to provide clients with many different policy and rate options. Additionally, it offers homeowners', condo, flood, and manufactured home insurance plans. This independent insurance agency is also licensed in Texas. .

License Verified:

License: 1000378846

North Carolina Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.5
Facebook
4.5 / 5 (15)
Google
5.0 / 5 (8)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
6101 Carnegie Boulevard, Charlotte, NC 28209
  • Multiple Carriers
  • Multiple Policy Types

Why choose this provider?

Mark McDuffie Insurance Agency is an independent insurance agency that was established in 2001. It comprises insurance professionals who provide a customized policy that delivers the clients' desired protection. They have renters' insurance that protects the personal stuff of clients in Charlotte who lease or rent a property. Its renters' insurance pays for the repair and replacement costs of items damaged by fire, wind, and lightning. Mark McDuffie Insurance Agency also has other personal line insurance products, including homeowners', auto, individual life, and motorcycle insurance.

License Verified:

License: 1000011852

North Carolina Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (106)
Facebook
5.0 / 5 (37)
Yelp
5.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
1612 Woodward Avenue, Charlotte, NC 28206
  • Multiple Carriers
  • Multiple Policy Types

Why choose this provider?

Star Insurance Group provides personal and commercial insurance to communities in six states including Charlotte. It has over 15 years of experience in commercial insurance and is committed to educating both agents and clients. Its agents may receive continuing education by pursuing a Master's Degree in Insurance and other valuable designations. Clients, on the other hand, are empowered through advice and guidance on proper risk management and best practices. Star Insurance Group's renters' insurance provides protection for personal property, liability, and additional living expenses.

License Verified:

License: 18330219

North Carolina Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (52)
Facebook
5.0 / 5 (8)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
11220 Elm Ln Ste 200, Charlotte, NC 28277
  • Multiple Policy Types

Why choose this provider?

The Kirby Agency is a locally owned insurance company that has been serving Charlotte and surrounding areas for over 17 years. It provides renters' insurance options to protect belongings from fire, water damage, or theft. The agency also offers insurance policies that cover automobiles, RVs, and homes. The Kirby Agency assists families and individuals in securing life insurance policies available in term, whole, universal, and variable universal types. Clients can opt for business insurance coverage for temporary shutdowns, workers' compensation, general liability, and asset protection.

License Verified:

License: 6567006

North Carolina Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (67)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
2210 Crownpoint Executive Drive, Charlotte, NC 28227
  • Multiple Carriers

Why choose this provider?

O.H. Walker Insurance Agency is a local renter's insurance agency that serves the needs of individuals and families in Charlotte, Matthews, and other areas throughout the state of North Carolina. Since 1962, the agency has been focusing on providing both quality customer service and insurance policies to renters as well as owners of homes or apartments. O.H. Walker Insurance Agency has existing partnerships with companies and organizations such as Matthews Chamber, Make A Wish, and Trusted Choice.

License Verified:

License: 1542702

North Carolina Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.2
Google
4.0 / 5 (20)
Facebook
5.0 / 5 (4)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
6207 Park South Drive Suite 201, Charlotte, NC 28210
  • Multiple Policy Types

Why choose this provider?

Allen Tate Insurance caters to individuals throughout Charlotte and its surrounding cities. This independent agency offers a wide variety of insurance solutions, including renters' insurance plans. It also provides insurance coverage for condos, homes, rental properties, automobiles, and motorcycles. Additionally, the agency carries life and umbrella insurance plans. Its team of insurance specialists helps clients in understanding the fine print in each policy and guides them in finding the best combination of coverage for their needs.

License Verified:

License: 1000003698

North Carolina Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.6
Google
4.6 / 5 (228)
Yelp
1.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
520 W 5th Street Suite 103, Charlotte, NC 28202
  • Multiple Carriers

Why choose this provider?

Jake Fulkerson is an insurance professional who serves renters and tenants in Charlotte. Jake and his team assist clients in securing renters' insurance protection plans to secure themselves, their families, and their personal belongings. Affiliated with State Farm Insurance, they create customized insurance policies tailored according to coverage needs and assist in selecting from add-on options such as pet medical insurance and earthquake coverage. They have more than 28 years of combined experience in the financial services and insurance industry.

License Verified:

License: 9100123

North Carolina Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (268)
Facebook
4.6 / 5 (20)
Yelp
4.5 / 5 (5)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
249 Mount Holly-Huntersville Road, Charlotte, NC 28214
  • Multiple Policy Types

Why choose this provider?

Megan Koterba is a second-generation State Farm insurance agent, who serves individuals, families, and businesses in Charlotte. She offers a range of risk management strategies, including home insurance, health insurance, and life insurance, as well as annuities. Additionally, she carries plans for pets, automobiles, properties, and businesses. Koterba also provides assistance with banking needs and conducts life insurance reviews. She and her serve all of North Carolina and South Carolina.

License Verified:

License: 8940458

North Carolina Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.3
Google
4.0 / 5 (43)
Facebook
5.0 / 5 (20)
Yelp
4.0 / 5 (6)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.8
Responsiveness
Friendliness
Helpfulness
Detail

Frequently Asked Questions

  • Are landlords in Charlotte responsible for tenants' personal belongings?

    No, landlords in Charlotte are not responsible for their tenants' personal items. While landlords maintain the property's structure and essential systems, tenants are accountable for their own belongings. Tenants are advised to acquire renters' insurance to protect against unexpected loss or damages and ensure their possessions can be replaced if necessary.

  • How should Charlotte residents determine the amount of personal property coverage for their renters' insurance?

    Charlotte dwellers should evaluate their belongings' replacement costs to determine their renters' insurance coverage. This process involves cataloging possessions and researching current prices for equivalent items. A thorough assessment ensures adequate coverage without overpaying for insurance. For liability coverage, it should align with one's financial capacity, with $100,000 being a standard baseline.

  • What are some key exclusions from standard renters' insurance policies in Charlotte?

    Standard renters' insurance policies in Charlotte generally exclude flood damage, which is a common concern in the area. For protection against this uncovered risk, obtaining separate flood insurance is recommended. It's also important to note that additional coverage is required for wind and hail damage, especially in areas that are vulnerable to hurricanes.

  • How should renters in Charlotte determine the coverage limits for their personal items?

    Renters in Charlotte can determine the coverage limits for their personal belongings by consulting an insurance adjuster. This professional can help set specific coverage caps for different types of personal items, such as clothing, jewelry, and electronic devices. For high-value possessions like artwork, advanced home theater setups, or instruments, additional coverage options are available to ensure adequate protection.

  • Why should Charlotte tenants include liability coverage in their renters' insurance?

    Liability coverage in renters' insurance is crucial for Charlotte tenants, as it shields them financially if they're found at fault for accidental damages or injuries to others. For instance, if a tenant forgets to turn off a faucet, causing water damage to a neighbor's property, personal liability coverage helps with the associated repair and medical costs.

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