Protect Your Apartment, Condo, or Rental House in South Carolina with Renters Insurance

Did you know that your valuables might not be covered by your landlord’s or homeowner’s association policy in the event of theft or damage? If you are renting an apartment, home, or condo, you can protect your family and your property with South Carolina renters insurance from Driver’s Choice.

What is renters insurance?

Like homeowners insurance, renters insurance protects you from unexpected incidents that anyone can face: fire, theft, water damage and other unplanned circumstances – events your landlord’s policy won’t cover. For example, you’re at work or on a family vacation, and when you return home, you find your building has been destroyed by a gas explosion. Building fires, floods, and other damage can happen anytime, anywhere.

Get a renters insurance quote online by entering your information in the form on the right.

What does renters insurance cover?

In most cases, a landlord’s insurance only covers structural damage to the building itself, not the possessions or liability of a tenant. So what is covered by renters insurance?

Personal Property

Renters insurance policies typically cover the following:

  • Stereo systems, VCRs & TVs
  • CDs, DVDs, videos & tapes
  • Personal cameras
  • Movable appliances, including microwave
  • Furniture
  • Sports equipment
  • China and glassware
  • Clothing
  • Books

Natural Hazards

Most renters insurance policies protect your personal property against losses caused by the following:

  • Fire and smoke
  • Vandalism
  • Water damage (not including floods)
  • Frozen water pipes
  • Hail
  • Windstorm
  • Lightning
  • Explosion
  • Vehicles or aircraft
  • Theft at residence

Renters insurance will protect you from incidents that happen while you’re at home, too, such as a toaster having a meltdown or if someone trips and falls in your apartment, leading to expensive medical bills or even a lawsuit. Renters insurance provides coverage for your own items, and it provides coverage for other people’s injuries or damages in situations for which you’re liable, as well.

It could also be a financial lifesaver. Renters insurance helps to pay for a place to stay if you can’t live in your apartment by damage from something like a hurricane or major repair — up to a point. Some policies place time limits on how long they’ll cover expenses of staying in a new place, such as six months or a year, while others put a cap on how much they’ll shell out.

Some landlords require tenants to obtain a renters insurance policy. Whether your landlord requires renters insurance or not, it’s a good idea to take an inventory of your possessions and think about what it would cost you to replace them. For less than the cost of a take-out meal a month, a renters insurance policy will give you peace of mind.

Find out if renters insurance is available in your area by calling 877-772-4642.