(910) 392-0880 | 4037 Masonboro Loop Rd, Suite 2A, Wilmington NC 28409 | Mon-Fri: 9AM-5PM

Affordable Renters Insurance in Wilmington, NC to Protect What Matters Most

You may not own your home, but everything inside it is yours—and worth protecting. One fire, theft, or water leak could cost you thousands, from your electronics and clothing to family heirlooms, bikes, and furniture. And yet, renters insurance is one of the most affordable ways to gain peace of mind.

At American Harbor Insurance, we help tenants across Wilmington, New Hanover County, and Brunswick County find affordable, reliable renters insurance tailored to their lifestyle and lease requirements. Whether you’re living in a downtown apartment, a rented condo at the beach, or a town home in Leland, we’ll help you understand exactly what’s covered—and what it will cost.

We’re an independent insurance agency, so we’re not tied to one provider. Instead, we partner with multiple trusted insurance companies to compare policies, pricing, and options that suit your situation.

Protecting your belongings shouldn’t be confusing or expensive. We make it easy.

Here’s how to get started:

1. Call us and tell us about your rental and belongings.

We’ll ask about your lease requirements, personal property, and any concerns you have.

2. We compare policies and prices from multiple carriers.

You’ll get clear options and expert advice to help you choose confidently.

3. You enjoy everyday life with peace of mind.

Feel secure knowing your valuables and liability are protected—even in a temporary space.

It only takes a few minutes to protect everything you’ve worked for. Call today to get a customized renters insurance quote.

FAQs

What does renters insurance cover?

Renters insurance covers your personal belongings, personal liability, and additional living expenses if you’re temporarily displaced. This means protection for items like laptops, TVs, clothes, furniture, and more.

How much does renters insurance cost in Wilmington?

It’s often less than $15 per month. Rates depend on the value of your belongings, your location, and chosen coverage limits. We’ll help you find the most value for your money.

Do I need renters insurance if my landlord has insurance?

Yes. Your landlord’s policy only covers the building, not your personal items. You need your own policy to protect your belongings and liability.

Does renters insurance cover water damage or theft?

Most policies cover losses from water damage (not floods), fire, smoke, and theft. We’ll help you understand what’s included and how to customize your policy.

Can I bundle renters insurance with auto or other coverage?

Yes, and bundling usually saves you money. We’ll help you combine renters insurance with your existing auto policy or other coverage to simplify your protection.

What if I have a roommate?

Each person should usually have their own renters insurance policy. Shared policies may be possible in some situations—we’ll help you understand what works best for you.

What’s the difference between replacement cost and actual cash value?

Replacement cost coverage pays to replace items with brand-new ones, while actual cash value factors in depreciation. We’ll explain both and help you decide what’s right for your needs.

Can I get coverage today?

Yes. In many cases, we can set up your renters policy the same day you call—even if you’ve already moved in.