Find The Best Rates For Your Renters Insurance Needs In South Carolina


What Do I Need To Get A Renters Insurance Quote In South Carolina?

  • Name and Date of Birth
  • Address of your apartment, home, or condo
  • Start date
  • number of full-time inhabitants of the apartment
  • Name and type of any business conducted in the apartment
  • Home inventory and value of the property you wish to include under the policy
  • Any rental company coverage requirements



shoppyInsurance Shopping Expert Tip: "In our experience the more accurate information you provide the better chance we have to shop your renters insurance rate and lock in a low price."


South Carolina Renters Insurance Quote

What Is The Difference Between Renters And Homeowners Insurance In South Carolina?

Renters insurance and homeowners insurance in South Carolina are both designed to protect your personal property and provide liability coverage, but they differ in a few key ways. Homeowners insurance covers the entire property, including the building, any structures on the property, and personal property inside the home. Renters insurance, on the other hand, covers only the personal property belonging to the tenant, such as furniture, clothing, and electronics.

Another key difference is that homeowners insurance also provides coverage for the physical structure of the home, while renters insurance does not. This means that if a rental property is damaged due to a covered peril, such as a fire or theft, the landlord's insurance policy would cover the building and its structures, but not the tenant's personal property.

Liability coverage is similar for both types of insurance, but may differ in the amount of coverage and the cost of the policy. Renters insurance typically offers lower coverage limits for liability, as the tenant is not responsible for the entire property, while homeowners insurance may offer higher coverage limits.

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South Carolina Renter's Insurance
Renter's Insurance in South Carolina

Since those who rent are by definition not home owners, renters often mistakenly overlook the kinds of insurance available to them. Renters insurance is an easy and affordable way to protect yourself from total loss in case you have to deal with fire, theft or water damage. Some renters insurance policies may also cover your liability for guests or visitors that are injured in your apartment or rental as well as legal. Everyone that rents a home, apartment or condo should have some level of renters insurance to protect their belongings and provide peace of mind. While you need coverage to protect your belongings and fulfill your landlords requirements everyone is looking for cheap renters insurance.

What Does Renters Insurance Cover?

Personal Property

Renters insurance covers your personal property such as phones, computers, televisions, game consoles, clothes, sports equipment, furniture and basically anything else you own from loss due to these situations

  • Severe Weather- Thunderstorms, lightning, wind damage, tornados, hurricanes, hail, water damage, snow, etc
  • Accidents- Fire, smoke and water damage, vehicle strikes, falling objects
  • Theft, vandalism or riots


In the event you incur liability due to bodily injury or property damage, renters insurance may cover you. It can also provide money to cover legal expenses. Some policies may even extend coverage to any pets you have.

Loss of Use

If there is a situation that prevents you from inhabiting your place of residence, rental insurance can cover the cost of living expenses until you are able to return or another accommodation is made available to you.

What Does Renters Insurance Not Cover?

Renters insurance does not cover damage to your property (the structure, walls, roof, or siding). These things are covered by the property owner’s policy. Exceptions are made for damage caused by flooding or earthquakes but separate addon policies are usually available to cover these circumstances.

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