Insurance for the Lake Johnson and Avent Ferry Road area

Around Lake Johnson / Avent Ferry

• Lake Johnson Park
• Avent Ferry Road
• Gorman Street
• Lake Dam Road
• Walnut Creek Trail
• Tryon Road
• NC State University
• I-40 / I-440

Student renters and rental condos

Apartment complexes along Avent Ferry Road house many NC State students. A renters policy covers your belongings and your liability, which the landlord’s policy does not, and many leases require proof of liability coverage. Roommates are usually best off with separate policies.

Students may have some coverage for belongings under a parent’s homeowners policy while living away at school, but it is often limited to a percentage of the parents’ personal property limit. Owners who rent a condo or townhome to students need a landlord (dwelling fire) or HO-6 policy written for a rental, plus loss of rents coverage.

Homes near the lake and Walnut Creek

Lake Johnson’s paved greenway loop on the east side of the lake is part of the Walnut Creek Trail. Homes near the lake, its feeder streams and Walnut Creek should be checked for flood risk. Flood is excluded from homeowners and renters policies, and NFIP flood policies generally have a 30-day waiting period.

Wooded lots around the park mean tree-fall claims after storms. Policies often cap debris removal for a tree that falls without hitting a covered structure.

Kayaks, boats and the greenway

The park rents kayaks, paddleboards and rowboats, and personal boats can be launched for a fee; swimming is not permitted. Small canoes and kayaks are often covered under a homeowners or renters policy with limits, while boats with larger motors usually need a separate watercraft policy.

The greenway and boardwalk are busy with walkers, runners and leashed dogs. Your homeowners or renters policy liability coverage generally applies if your dog injures someone, which is one reason to carry limits above the minimum or add an umbrella.

Commutes on Avent Ferry and the Beltline

Avent Ferry Road connects campus with the lake and I-40 at Gorman Street, and it is busy with students, buses, cyclists and pedestrians. Young drivers on a parent’s policy should be listed at the address where the car is kept, and MedPay and uninsured motorist coverage matter for anyone who walks or bikes.