Established in 1949, Tates Insurance and Financial Services is a highly prestigious North Carolina-based insurance agency. Rather than offering cookie-cutter policies, they believe in providing customized plans per each client's needs and concerns. Tates Insurance and Financial Services are among the most popular providers of renters insurance in Gastonia and Asheville, North Carolina in recent years. If something happens to a rented apartment, the landlord's insurance policy will only cover the structure of the establishment. The renter's personal property, such as their TV, furniture, laptop, and other valuables, won't be covered under the landlord's policy. Hence, they would need specialized renter's coverage plans. Renters' insurance provides compensation to replace the policyholder's belongings after covered events, such as a fire or robbery. Such plans also create a safety net for liability costs.