Insurance for Cameron Park and the NC State area

Around Cameron Park / NC State

• Hillsborough Street
• NC State Belltower
• Oberlin Road
• Clark Avenue
• St. Mary’s School
• Pullen Park
• Western Boulevard
• Avent Ferry Road
• Gorman Street

Historic Cameron Park homes

Cameron Park was laid out beginning in 1910 between Hillsborough Street, Oberlin Road and St. Mary’s Street, with ravines turned into small parks, terraced front yards and service alleys leading to backyard garages. It is a National Register historic district.

Detached garages and garage apartments off the alleys fall under the other structures part of a homeowners policy, which is often set at 10% of the dwelling limit, so check that it’s enough. Homes of this age also raise questions about wiring, plumbing and the cost of matching original materials after a loss.

Students in off-campus apartments

Students renting off campus generally aren’t covered by the landlord’s policy for their belongings or liability. A renters policy covers laptops, bikes and furniture against theft and fire, plus personal liability, and many leases near campus require it.

Students living in a residence hall may have some coverage under their parents’ homeowners policy, often with a lower limit for property away from home. Once a student moves into an off-campus apartment, a separate renters policy is usually the cleaner answer.

Renting houses to students

Owners who rent houses or apartments to students need a landlord (dwelling fire) policy, not a homeowners policy. Look for loss of rents coverage if a fire makes the unit unlivable, and liability limits that reflect parties and extra guests. Normal wear and tear and tenant neglect aren’t covered, so a security deposit and a renters insurance requirement in the lease both help.

Student drivers and campus parking

Students who bring a car to campus usually stay on their parents’ auto policy, but tell the insurance company where the car is kept. Good student discounts are common for strong grades. If a student doesn’t bring a car but borrows friends’ cars, make sure they are listed correctly on the family policy.