Protect Your Apartment, Condo, or Rental House 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 with Driver’s Choice.

Whether you’re renting a house near Mount Pleasant, an apartment in Greenville or a vacation rental on Hilton Head Island, our team of local insurance experts has decades of experience and have helped thousands of renters to find the best policies at the lowest rates. Renter’s insurance can protect your personal property against fire, theft and vandalism, as well as from personal liability lawsuits.

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.

Renter's Insurance

Renters insurance typically provides coverage, up to the limits you select, for specified items and situations, including:

  • Personal property (furniture, electronics, computer equipment, clothing, etc.).
  • Personal liability if someone is hurt, whether in your home or away from it.
  • Damage to your apartment or home caused by a covered loss.

Renters Insurance Covers More Than Property, Possessions, and Belongings

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; your renter’s insurance policy would provide you with coverage. 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. Protect your family and your possessions with the best renters insurance from Driver’s Choice.

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.

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?

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 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

Some landlords require tenants to obtain a renter’s 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 renter’s insurance policy will give you peace of mind.

Our Renter’s Insurance is available to members 24/7 by calling us at 877-772-4642 or by purchasing online at Call us today for a free renters insurance quote.