Winston-Salem Renters Insurance

Renters insurance is a low-cost policy that protects you when you lease an apartment, condo, or house. It covers your personal belongings against theft, fire, and other covered losses; pays your legal liability if someone is injured in your unit or you damage someone else’s property; and covers temporary housing if your rental becomes unlivable after a covered loss.

Your landlord’s insurance covers the building. It does not cover your laptop, your couch, your clothes, or your liability if a guest is injured in your kitchen. Without renters insurance, every dollar of damage or liability comes out of your pocket — and even one fire or theft can wipe out years of savings.

As an independent agency, ALLCHOICE Insurance gives you access to multiple carriers so you can compare options rather than settle for a single company’s offering. Whether you’re leasing a Winston-Salem apartment, a Winston-Salem condo, or a Winston-Salem mountain rental, we find the coverage that fits — at a price that makes sense.


• Your location — Coastal counties and areas with higher claim activity may have higher premiums than lower risk inland areas.
• Your deductible — A higher deductible generally costs less in premium, while a lower deductible typically results in a higher premium. Choose an amount you can comfortably pay after a covered loss.
• Replacement Cost (RCV) vs. Actual Cash Value (ACV) — RCV generally pays based on current replacement costs, while ACV accounts for depreciation. RCV coverage typically costs more but can provide greater protection after a covered loss.
• Your credit based insurance score — Where permitted, insurers may consider credit based insurance scoring as one factor when determining your homeowners insurance rate.
• Bundling — Combining homeowners and auto insurance with the same carrier may provide savings, depending on the carrier and your individual policies.

When you buy directly from a single carrier, you get that carrier’s rates — period. ALLCHOICE Insurance gives you access to multiple top-rated carriers and compares options across the market to find the right combination of price, coverage, and service for your apartment, your belongings, and your lease.

• IIANC Agent of the Year — 2022
• IIANC Chairman’s Citation — 2023
• 70+ Years of Combined Insurance Experience
• Additional Industry Accolades


• Can I get same day proof of renters insurance?
  Yes. ALLCHOICE Insurance can provide proof of coverage for renters who need documentation to finalize a lease. Depending on the policy and underwriting requirements, coverage may be available quickly.
• What does renters insurance actually cover?
  A standard renters policy can cover your personal belongings, personal liability, additional living expenses after a covered loss, and medical payments to others. It generally does not cover the building itself, which is typically insured by the landlord.
• Is renters insurance worth it?
  For most renters, renters insurance can provide valuable protection at an affordable cost. It can help protect your belongings and provide liability coverage if you are responsible for covered injuries or property damage.
• Does renters insurance cover dog bites in ?
  In many cases, personal liability coverage may cover dog bite claims, subject to the policy terms, exclusions, and liability limits. Some carriers may have restrictions related to certain dogs or prior bite incidents, so it is important to disclose your pet when applying for coverage.
• What’s the difference between renters and homeowners insurance?
  Homeowners insurance generally covers the home itself along with personal belongings, liability, and additional living expenses. Renters insurance generally covers your belongings, liability, and living expenses, but not the building you rent because that is typically the landlord’s responsibility.