South Carolina Renters Insurance

Popular Questions about South Carolina Renters Insurance

Full analysis of weather, property crimes and insurance costs in your city.

How Much Does Renters Insurance Cost in South Carolina?

National yearly average: $188

South Carolina yearly average: $195

The average American renter pays $188 per year for renters insurance. In South Carolina, rates are just slightly higher, with an average of $195. Before you purchase renters insurance, take the time to compare quotes from several companies to be sure you are getting the lowest rate.

What Does South Carolina Renters Insurance Cover?

South Carolina renters face a variety of risks. Your home could be damaged by a fire or flood. You could come home one day and discover that you've been robbed. A tornado could touch down in your neighborhood and completely destroy your home and all of the personal belongings inside. Renters insurance provides protection by covering the cost of repair or replacement for personal belongings after a natural disaster or theft.

  • Pays for someone else's injuries or property damage when it's your fault. Example: You accidentally cause water damage that spreads to neighboring units.
  • Pays for repairs to your belongings. Example: Someone breaks into your apartment and steals your brand-new TV.
  • Pays for temporary living expenses when your home is damaged. Example: You need a hotel while your apartment gets repaired after a kitchen fire.

Renters insurance covers the belongings you have inside your rented home or apartment. It always provides liability protection in case someone gets hurt in your home or if someone else's property is damaged and it's your fault. Renters insurance will even pay for your accommodations if you need a place to stay while your rental home is being repaired after a fire, flood or natural disaster.

When Is My Landlord Responsible?

Your landlord is responsible for finding home insurance that will cover the actual structure of the home. Roof damage would fall under the landlord's responsibility. Renters insurance covers only your personal belongings. So anything that was in the home before you moved in remains the responsibility of your landlord and their insurance policy.

Find the Best South Carolina Renters Insurance Today

To get the best rates on South Carolina renters insurance, seek help from an independent insurance agent. Because independent agents aren't obligated to quote from one specific carrier, they are free to provide quotes on multiple policies, giving you more options and helping you locate the best rates on renters insurance in your city.

Columbia

Average cost of Columbia renters insurance: $17 per month

Depending on the location and size of your home or apartment and the local crime rate, your cost for renters insurance could be slightly more or less than this. Here are some city factors that will affect your rate:

Property crime rate: 1 in 18 people experience property crime in Columbia

Theft, vandalism, and property crimes are a real problem in Columbia. The higher risk of theft could cause rates to increase for renters insurance in this city.

Weather:

  • Hurricanes
  • Floods
  • Storms

Living in an area where natural disasters are more likely might drive up rates on renters insurance. For Columbia renters, the threat of hurricanes, flooding and fires is a major concern. While renters insurance might be slightly more expensive in this city, it's well worth the cost to protect your personal belongings in case of a disaster.

Charleston

Average cost of Charleston renters insurance: $19 per month 

Renters insurance rates vary from one home to the next. Depending on your ZIP code, the crime rate in your neighborhood and several other factors, your customized renters insurance premium could be a little more or a little less than the average.

Property crime rate: 1 in 38 people experience property crime in Charleston.

High crime areas tend to have higher rates on renters insurance due to the elevated risk for theft and vandalism. Fortunately, the property crime rate in Charleston is much lower than the state average, which could help you score some savings on insurance.

Weather:

  • Hurricanes
  • Floods
  • Stormes

Charleston is a high-risk zone for hurricanes and coastal storm systems. The elevated risks for flooding and storm damage could drive up rates on renters insurance.

Greenville

Average cost of Greenville renters insurance: $18 per month

Every renter will pay a customized premium for renters insurance in Greenville. Your actual cost will depend on your ZIP code, the crime in your area and the local risk of natural disasters, theft, and vandalism.

Here are some city factors that will affect your rate:

Property crime rate: 1 in 21 people experience property crime in Greenville.

Cities with a higher crime rate usually see a spike in renters insurance rates. In Greenville, theft and vandalism are more common than in most other South Carolina cities. This might cause your renters insurance premium to slightly increase.

Weather

  • Hurricanes
  • Floods
  • Ice storms

Residents of Greenville know that severe weather systems can be very damaging to local homes. With a high risk of flash flooding and hurricanes in the summer and ice storms in the winter, Greenville renters insurance rates may be slightly higher than rates in other cities.

Hilton Head

Average cost of Hilton Head renters insurance:  $18 per month

Your cost for renters insurance in Hilton Head will depend on several factors such as your home's location, the crime rate in your neighborhood, and the risk of flooding, fires or natural disasters.

Here are some city factors that will affect your rate:

Property crime rate: 1 in 65 people experience property crime in Hilton Head.

One of the major perks of living in Hilton Head is the low crime rate. Compared with other cities in South Carolina, theft and vandalism are actually pretty rare in this city. That's good news for renters because it could lower rates on insurance.

Weather

  • Hurricanes
  • Floods
  • Storms

As a coastal city, Hilton Head is a prime target for hurricanes and tropical storm systems. The high risk of property damage related to these storms could cause a slight increase in your renters insurance premiums.

Spartanburg

Average cost of Spartanburg renters insurance: $18 per month

Your Spartanburg renters insurance rate will be customized according to unique risk factors. Depending on the crime rate in your area, the square footage of your home or apartment, and the risk of natural disasters, your actual cost could be higher or lower than the average.

Here are some city factors that will affect your rate:

Property crime rate: 1 in 16 people experience property crime in Spartanburg.

If you rent a home in Spartanburg, you'll face a higher risk of theft or vandalism compared with most cities across the state. The elevated crime rates in Spartanburg could cause an increase in renters insurance premiums.

Weather

  • Hurricanes
  • Floods
  • Storms

When you live in a city that is known for natural disasters, renters insurance rates tend to be high. In Spartanburg, flooding and severe storms are a common problem, and that might cause your insurance rates to be slightly higher compared with neighboring cities.

Myrtle Beach

Average cost of Myrtle Beach renters insurance: $20 per month

Every renter will pay a personalized premium for Myrtle Beach renters insurance. Your actual cost will be based on several factors like the size of your home, your previous claims, and the crime rate in your neighborhood.

Here are some city factors that will affect your rate:

Property crime rate: 1 in 7 people experience property crime in Myrtle Beach.

Myrtle Beach is a high traffic area, thanks to an ongoing influx of tourists. While tourism is a great boost to the local economy, it's not so wonderful for the crime rate. This city has a much higher risk of property crimes than other cities in South Carolina. The high crime rate will most likely cause a spike in renters insurance rates.

Weather

  • Hurricanes
  • Floods
  • Fires

Living near the beautiful Atlantic Ocean might be fun, but it also brings a high risk of flooding, hurricanes and storm damage. These natural disasters could increase insurance rates for renters in Myrtle Beach.

Anderson

Average cost of Anderson renters insurance: $18 per month

Depending on your neighborhood crime rate, the risk of natural disasters, and several other factors, your actual cost for Anderson renters insurance could be higher or lower than the average.

Here are some city factors that will affect your rate:

Property crime rate: 1 in 25 people experience property crime in Anderson.

Theft and vandalism are more common in Anderson than in most cities in South Carolina. This spike in property crime could drive up rates on insurance for renters in this area.

Weather

  • Hurricanes
  • Droughts
  • Ice storms

If you live in a city that is prone to severe weather, insurance rates will trend on the high side. For Anderson residents, this means you might see an increase in the cost of renters insurance.

Beaufort

$17

PER MONTH

Average cost of Beaufort renters insurance: $17 per month

Your actual premium could be higher or lower than the average. It all depends on factors like your ZIP code, the crime rate in your area, and your risk of natural disasters.

Here are some city factors that will affect your rate:

Property crime rate: 1 in 18 people experience property crime in Beaufort.

The elevated crime rate in Beaufort is a serious concern for residents. Renters will face higher insurance premiums here because they are more likely to have claims for theft or vandalism.

Weather

  • Hurricanes
  • Floods
  • Storms

Beaufort can be a dangerous place to live, thanks to the high risk of natural disasters like hurricanes and floods. South Carolina storms can be extremely damaging to local homes, so you might see an increase in the cost of renters insurance.

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