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Condominium Insurance in South Carolina

When you own a condo, your condo association’s insurance policy only covers part of the building—usually the structure and shared spaces. It doesn’t cover what’s inside your unit or protect you from personal liability. Condominium insurance helps fill that gap, covering your belongings, interior finishes, and the risks that come with ownership.


Hutson-Etherredge Companies provides options for condominium insurance to owners across South Carolina, helping to insure your possessions are protected.

What Does Condominium Insurance Cover?

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Interior unit coverage
Insures flooring, walls, cabinetry, fixtures, and other parts of your unit not covered by the association’s policy.

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Personal property protection
Covers your furniture, clothing, electronics, and other belongings if they’re damaged or stolen.

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Liability coverage
Protects you if someone is injured inside your condo and holds you responsible for medical bills or damages.

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Loss of use
Helps pay for hotel stays and other living expenses if your unit becomes uninhabitable due to a covered event.

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Loss assessment
Covers your portion of costs if your condo association charges unit owners for damage to shared areas.

Why You Need It

The condo association’s insurance stops at your walls

You're responsible for what’s inside your unit—and any improvements you've made to it.

Protects against unexpected events

Whether it’s a kitchen fire or water damage from a neighbor’s unit, this policy helps you recover quickly.

Covers liability and temporary living costs

From legal claims to hotel stays, condo insurance offers broad protection beyond just your belongings.

  • Is condo insurance required in South Carolina?

    While it’s not required by law, your mortgage lender or condo association may require proof of coverage.




  • How is condo insurance different from homeowners insurance?

    Condo insurance only covers the parts of the property you own—usually the interior of your unit—while homeowners insurance covers an entire structure.




  • What if my condo is a rental property?

    You’ll need a policy designed for landlords or investment properties. We can help you explore the right options.



Get a Quote for Condominium Insurance

Protect your unit, your belongings, and your liability with dependable condo insurance from Hutson-Etherredge Companies. We'll help you find a policy to for coverage where your association policy leaves off.


Call us today at  803-649-5141 or click below to request your free quote.