South Carolina renters insurance

South Carolina renters insurance coverages

Check out the four standard coverages on nearly all South Carolina renters insurance policies:

• Personal property protects your personal belongings, including furniture, clothing, and electronics whether they're inside your apartment or elsewhere
• Loss of use helps cover costs associated with an increase in living expenses, up to your policy's limit, if you're unable to stay in your home while it's being repaired or rebuilt due to a covered loss
• Personal liability protects you financially if you're legally responsible for another person's injuries or damage to their property
• Medical payments to others pays for medical expenses due to a covered occurrence

Additional coverages

The best renters insurance in South Carolina is always a policy with customized coverage. Here are some extra options for when you need more protection:

• Add a rider: Certain valuable items, like jewelry, may have specific limits on your renters policy. If your item exceeds the limit, you may be able to purchase an endorsement called a rider for your policy to cover the item for its value.
• Personal injury coverage: May pay for legal fees and damages if you're liable for slander or defamation
• Water back-up coverage: Water that backs up through sewers or drains or discharges from a sump pump may not be covered by a standard renters policy. Water back-up coverage may pay for the damage to your belongings and water removal costs.

Learn more about all of our renters insurance coverages.

Is renters insurance required in South Carolina?

Renters insurance isn't required by law, but your landlord or rental company may require you to have a policy before you can move in. Even if it's not required, renters insurance may provide protection for your belongings against certain perils and may pay for living expenses, such as lodging and groceries, if you're unable to live at your residence due to a covered loss.

Is renters insurance worth it in South Carolina?

Renters insurance is an inexpensive way to protect yourself as a tenant in various situations. For example:

• A hurricane hits the coast, and wind damages your patio furniture outside of your apartment or rental home. Your renters policy may help pay to repair or replace personal items damaged by the windstorm, up to your policy's limits. Learn more about how renters insurance coverage works for hurricane damage.
• You throw a party, and a friend gets cut on broken glass. Medical payments coverage may pay for medical expenses related to the incident.
• Your belongings are stolen in a burglary of your apartment unit. Personal property coverage under your homeowners policy may reimburse you to replace your stolen items, up to your policy limits.

How much is renters insurance in South Carolina?

Progressive renters policies in South Carolina had an average monthly price of $17.86 or $214.31 for an annual policy in 2023.^** Remember that your cost for renters insurance is determined by several components, such as your location, type of residence, and claims history.

Coverage limits can also affect your renters insurance premium. Typically, the more personal property coverage you need, the more you pay for a renters policy. Use our personal property calculator to help you take a home inventory and estimate the value of your belongings.

How can I save on renters insurance in South Carolina?

Take advantage of renters insurance discounts with Progressive to help lower the cost of your premium. You may save by bundling multiple insurance policies, going paperless, paying in full, and living in a secured or gated community.

There may also be discounts that are only available in your state or county. Call 1-866-749-7436 or contact an agent near you to help ensure you're getting all applicable discounts.