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Alcock Insurance & Risk Management Services, LLC

3105 Evans St Unit E
Greenville, NC 27834

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Renters Insurance in North Carolina and Virginia

When you rent a house or sign the lease agreement, you not only acquire the right to use the property but also assume all the responsibilities coming from this contract agreement. In fact, each tenant who has a rental relationship with a landlord is required to keep it in good condition and returning it at the date of moving out in the same state in which it was acquired. The house must therefore not show any structural and significant damage or changes, otherwise, the tenant would be required to compensate the owner or landlord by covering the costs necessary to restore the initial conditions. Get more information from Alcock Insurance & Risk Management Services LLC in North Carolina and Virginia.

Covering Personal Assets

As a tenant, you cannot acquire homeowner’s insurance, but you can get renter’s insurance for coverage related to your own personal belongings. With renter’s insurance coverage, you will have peace of mind; knowing that if anything happens such as a fire or other disaster, you will be reimbursed for the damages to your material assets. Rental insurance is usually applied exclusively to apartment lease contracts. Coverage extends to a one-year lease in most cases.

Conditions May Apply

If a place or a property should suffer damage due to negligence attributable to the tenant during the period of a rental contract, the tenant is fully responsible and is required to pay compensation. To remedy this, you can contact an insurance company. By taking out rental risk insurance, the tenant protects himself from any risks of having to pay the damage himself. The policy can be a guarantee for the entire asset or only for a part of it if the conditions apply (for example if the rent concerns only some rooms of the property, such as a garage, a cellar, or a portion of a habitable house).

The Type of Options

If you are wondering where to buy home rental insurance, the answer is very simple because almost all insurance companies that offer a home policy to property owners have similar options for those who rent a home and want to protect the home. You can choose between:

  • classic home policy underwriting options (such as a single-firm, multi-firm agency, or a registered insurance agent);
  • you have the option of the call center (you call a series of insurance agencies and compare their quotes and choose the one that seems most reliable to you);

Contact The Right Professionals

The best time to sign a home rental insurance contract is certainly when signing the lease agreement when the homeowner is also present. Alcock Insurance & Risk Management Services LLC has the knowledge, expertise, and reputation and always ready to assist new clients. If you live in North Carolina or Virginia and about to rent a home, it is important to speak to an insurance company to guide you through the process.

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