What Does Renters Insurance Cover in South Carolina?

Renting a home or apartment in South Carolina comes with responsibilities, and one of the most important is protecting yourself and your belongings. Many renters assume their landlord’s insurance will cover them, but that policy does not cover your personal property or liability. That’s where renters insurance comes in.

Personal Property Coverage

Personal property insurance covers your belongings, such as furniture, clothing, electronics, and other valuables, against risks such as fire, theft, or certain types of water damage.

Policies typically cover items both inside your rental and, in many cases, when they’re temporarily outside your home, such as in your car or while traveling.

Liability Protection

Renters insurance also provides liability protection. If someone is injured in your rental unit or you accidentally cause damage to another person’s property, liability coverage helps pay for medical bills, legal expenses, and settlements. Without this protection, renters could face significant financial hardship. Liability coverage is essential in shared living situations, such as apartment complexes, where accidents are more likely to occur.

Additional Living Expenses

Another key benefit of renters insurance is coverage for additional living expenses. If your rental becomes uninhabitable due to a covered event, such as a fire, your policy can help cover the costs of temporary housing, meals, and other expenses while repairs are being made.

Why Renters Insurance Matters

Renters insurance is affordable compared to other types of coverage, yet it provides critical protection. Without it, you risk not being able to afford to replace your belongings, facing liability claims, or struggling to cover living expenses after a disaster.

How Gamecock Insurance Agency Can Help

Gamecock Insurance Agency works with South Carolina renters to find policies that fit their needs and budgets.

Contact Gamecock Insurance Agency today to explore renters insurance solutions and secure appropriate coverage.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.