NC SC AL TN and FL Please !! use my link above to get a quote and apply ..
Check out the benefits of Renters Ins!!!
https://www.ncdoi.gov/consumers/homeowners-insurance/renters#navbar-top
Check out the Risks and Consequences Not having Renters Ins !!
Risks and consequences
- No coverage for personal belongings: Your landlord’s insurance covers the building, but it doesn’t protect your personal property (furniture, electronics, clothing, etc.) inside the rental unit. If your belongings are stolen, you will have to replace them yourself. The same applies if they are damaged in a fire, flood, or other disaster. Renters insurance can help cover these expenses.
- Liability expenses: If someone is injured in your rental unit, you might be legally responsible. You could be liable for their medical expenses. You might need to cover their medical expenses. You may also be liable for legal fees. Renters insurance offers liability coverage to help protect you in such situations.
- Additional living expenses: If your rental becomes uninhabitable due to a covered event, you may need to relocate temporarily. Events such as fires can necessitate this move. Without renters insurance, you’ll have to pay for alternative housing, meals, and other expenses out of pocket. Renters insurance may include coverage for these additional living expenses.
- Difficulty securing a rental: In competitive rental markets, having renters insurance can make your application stand out. Landlords may use it to narrow their pool of candidates.
In essence, while North Carolina doesn’t legally require renters insurance, not having it leaves you vulnerable. You could face potentially significant financial losses and liabilities if unexpected incidents occur.
Anthony The Flood Guy 
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