Renters Insurance · Charlotte, NC
You just signed a lease. Your landlord needs proof by Friday.
If a big-name insurer told you no because of your credit, your dog, or a past claim — take a breath. We built this renters policy for you, and we can get your certificate to the leasing office today.
What makes our renters policy different
- No credit checks — credit is not used in rating and no reports are pulled
- No background or loss-history reports
- Guaranteed HO-4 coverage: up to $95K of contents, $300K of liability
- Written at Replacement Cost, not depreciated actual cash value
- Water backup loss protection for your own unit
- All dog breeds accepted — zero breed restrictions
- Available in all states, with no zip code or territory restrictions
We cover every kind of Charlotte renter
- Apartments in Uptown, NoDa, Plaza Midwood, South End
- Single-family rentals in Ballantyne, Matthews, Concord
- Mobile homes
- A room in a house — great for students and seniors
Get your quote online
Customize your coverage and get a renters insurance quote in minutes.
Start my renters quote →Renters insurance questions we hear every week
- Can I get renters insurance in Charlotte with bad credit or no credit history?
- Yes. Our renters policy does not use credit in the rating and we never pull credit reports. If another agency told you no because of your score, this is the policy for you.
- Does renters insurance cover my dog — even if it's a 'restricted' breed?
- Every breed is accepted. Pit bulls, Rottweilers, German Shepherds, huskies — no breed restrictions of any kind. Liability coverage still applies if your dog causes an injury.
- How much coverage do I get?
- Guaranteed HO-4 coverage of up to $95,000 for your belongings and $300,000 in personal liability, written at replacement cost — not depreciated 'actual cash value.'
- My landlord needs proof of renters insurance by Friday. How fast can I get a policy?
- Same day. Start the quote online or email Tony directly and we'll get a certificate of insurance to your landlord in hours, not days.
- Does it cover water backup or a burst pipe upstairs?
- Yes — water backup loss protection is included for your own unit.
Related coverage
Renting in the Carolinas? Let's get you covered today.
Talk to a licensed agent who will compare carriers and tailor a policy to your needs — good record or bad, we can help.
Request Your Free Quote