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Home Q&A Forum Insurance in a residential lease agreement?

Landlord Tenant

Residential Lease Agreement

North Carolina

Asked on Sep 11, 2023

Insurance in a residential lease agreement?

I am a tenant who is about to sign a residential lease agreement with a landlord. I am concerned about the insurance requirements of the agreement and what type of insurance coverage the landlord and tenant are responsible for. I want to make sure that I am adequately covered in case of any accidents or damages that may occur during my tenancy.

1 Attorney answer


Landlord Tenant

North Carolina

Answered 297 days ago

N'kia N.

ContractsCounsel verified

Business Lawyer
Licensed in North Carolina
Free Consultation

North Carolina does not require a residential landlord to maintain landlord insurance and does not require a residential tenant to maintain tenant ("renter's") insurance. However, when a residential lease agreement requires a tenant to carry renter's insurance, it will specify the minimum amount of coverage required. Generally speaking, landlord insurance covers a landlord and tenant ("renter's") insurance covers a tenant. For example, landlord insurance is likely to cover a tenant's injuries or damages related to the landlord's negligence but is not likely to cover the tenant for more general liability purposes. Ultimately, a tenant is responsible for maintaining the minimum amount of renter's insurance required by the residential lease agreement. Otherwise, the tenant may be liable for violating the lease. However, a tenant may choose to maintain renter's insurance with more coverage than required. Exactly how much coverage a tenant needs will depend on that tenant's specific circumstances.

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