Expertise.com

2024

Last updated:

Best Renter's Insurance Companies in Durham

Our Recommended Top 4

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 Durham 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.

85Reviewed

52Curated

4Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
3622 Shannon Rd. Suite 104, Durham, NC 27707
  • Multiple Policy Types

Why choose this provider?

Covington Insurance, LLC, is an independent agency and brokerage operating in Durham. It offers insurance policies for renters, landlords, homeowners, condos, modular homes, and short-term rentals. Its team of professionals writes multipolicy packages by representing a wide range of insurance carriers, including AIG, Foremost, National General, The Hartford, and Lititz Mutual. The agency also provides insurance coverage options for golf carts, general liability, special events, and roofs older than 20 years. Covington Insurance also assists clients with filing claims.

License Verified:

License: 1000671671

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
4.3 / 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.
4.5
Responsiveness
Friendliness
Helpfulness
Detail

Website
2530 Meridian Parkway, Durham, NC 27713
  • Multiple Carriers
  • Multiple Policy Types

Why choose this provider?

Triangle Insurance Alliance is an independent insurance agency that serves clients in Durham. It offers a range of risk management strategies, including renters' insurance, home and life insurance policies, and automobile insurance. It also provides coverages for boats, watercraft, and businesses. The full-service brokerage has been in the industry for more than 40 years, and it works with multiple insurance carriers, such as MetLife, Berkshire Hathaway, and The Hartford, to give its clients a variety of programs that matches their needs.

License Verified:

License: 1000464913

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 (30)
Yelp
3.5 / 5 (4)
Facebook
5.0 / 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
1320 Hill Street, Durham, NC 27707
  • Multiple Carriers
  • Multiple Policy Types

Why choose this provider?

George Stevens Insurance Agency, Inc., is a Durham-based insurance company. The company has assisted hundreds of clients in choosing insurance packages for their various needs and lifestyles. It caters to renters, homeowners, condo owners, mobile homeowners, and landlords. In addition, it also handles flood insurance cases. George Stevens Insurance Agency provides assistance in automobile insurance that covers mobile homes, motorcycles, and boats. The agency also offers business insurance, health and dental coverages, and life insurance policies.

License Verified:

License: 1000008812

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 (17)

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
6224 Fayetteville Road, Durham, NC 27713
  • Multiple Carriers
  • Multiple Policy Types

Why choose this provider?

Craig Insurance Group is an agency that has been providing insurance solutions for Durham-based customers for more than a decade. Its principal agent and owner, Amber Craig, aims to educate its clients on the advantages and disadvantages of having insurance. Craig and her team offer renters' insurance that covers stolen or damaged personal properties. Its plan also includes liability protection if the policyholder is found liable for another person's property damage or injury. The agency's additional services are life, auto, flood, home, and RV insurance.

License Verified:

License: 1000341016

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
Google
4.0 / 5 (10)
Facebook
5.0 / 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

FAQs

  • In Durham, what role does renters insurance play in rental applications?

    In Durham, renters insurance is essential in making one's rental application stand out. There is fierce competition for tenants as the typical monthly rent for two-bedroom flats in the area ranges from $820 to $1000. Renters insurance not only makes an application more appealing to landlords but also protects the tenant's assets.

  • Why might a Durham landlord require renters insurance for tenants?

    Most landlords in Durham require renters insurance for tenants as a way of protecting themselves against potential lawsuits, which could increase their own insurance costs. While a landlord's policy covers property damages, it doesn't shield tenants from personal asset loss. Tenants who are required to carry renters insurance are less likely to suffer significant financial losses as a result of unforeseen events.

  • How is the compensation for property loss in Durham calculated under an actual cash value policy?

    In Durham, compensation for property loss under an actual cash value policy is determined by the item's value at the time of the loss, not its initial purchase price. For instance, if a computer was bought two years ago for $1,000, its current worth would be less today. The insurer will pay based on this depreciated value, even if replacing the computer costs nearly the same as the original price.

  • How can renters insurance help with temporary living costs in Durham during disasters?

    In Durham, renters insurance can help with temporary living costs if a rental property is damaged due to disasters like fires or hurricanes through Additional Living Expense coverage. Incorporating ALE into one's policy can help pay expenses for hotel accommodations and food and hygiene needs while the rental is under repair. This coverage ensures renters maintain comfort and stability during catastrophic events.

  • For Durham renters, what protection does the personal liability section of their insurance offer?

    For Durham renters, the personal liability part of their insurance shields them from financial repercussions when they're legally held responsible for causing bodily injuries or property damage. Detailed stipulations and any exceptions are outlined in the policy. Engaging with an insurance expert would allow renters to gain a deeper understanding of this coverage.

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