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Renters Insurance in South Carolina

When you rent a home or apartment, your landlord’s insurance won’t cover your personal belongings or liability. Renters insurance helps protect what you own—from furniture and electronics to clothing and valuables—while also covering costs if you’re held liable for damage or injuries. It’s a smart, affordable way to safeguard your lifestyle and your peace of mind.


Hutson-Etherredge Companies provides options for renters insurance to individuals and families across South Carolina, helping protect what matters most in the place you call home.

What Does Renters Insurance Cover?

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Personal property
Covers your belongings if they’re stolen, damaged, or destroyed by fire, smoke, or certain weather events.

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Liability coverage
Provides protection if someone is injured in your rental unit and you’re held legally responsible.

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Additional living expenses
Pays for hotel stays and other costs if you’re temporarily unable to live in your rental due to a covered event.

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Theft protection
Extends coverage to personal items stolen from your car or while you’re traveling.

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Medical payments to others

Covers minor medical bills if a guest is injured in your rental, regardless of who’s at fault.

Why You Need It

Your landlord’s insurance doesn’t cover your personal property

The Landlord's Building insurance protects the structure—not your furniture, electronics, or personal items inside.

It helps you avoid unexpected expenses

A single fire, break-in, or lawsuit could lead to thousands in out-of-pocket costs without insurance.

Coverage is more affordable than most people think

Renters insurance is one of the most cost-effective ways to protect your belongings and your liability.

  • Is renters insurance required in South Carolina?

    It’s not required by law, but many landlords include it as a condition in the lease agreement.



  • What if I have a roommate?

    Policies typically cover one named policyholder. Your roommate should purchase their own policy unless both names are listed as named insured.


  • Does renters insurance cover my car?

    It doesn’t cover the car itself, but it may cover personal items stolen from inside the vehicle.


Get a Quote for Renters Insurance

Protect your belongings, your peace of mind, and your financial future with renters insurance through Hutson-Etherredge Companies. We’ll help you find coverage that fits your needs and your lease.



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