Renters Insurance

RENTERS INSURANCE IN CHARLESTON, SC

Renters Insurance That Protects YOU — Not Just Your Apartment Complex.

If you rent an apartment, condo, or house in Charleston, James Island, or the Lowcountry, you might think your landlord’s insurance covers you. It doesn’t.

Landlord or apartment complex insurance only protects their building — not your belongings, your liability, or your living expenses if something goes wrong.

That’s where real renters insurance comes in. And the right policy protects far more than you think.

“My landlord has insurance, so I’m covered…”

FALSE — and this misunderstanding costs renters thousands.

Landlord / Apartment Insurance ONLY covers:

  • The building structure

  • The roof

  • The walls, flooring, appliances THEY own

It does NOT cover:

  • Your furniture

  • Your electronics

  • Your clothing

  • Your jewelry

  • Your personal liability

  • Your hotel if the unit becomes unlivable

What Does REAL Renters Insurance Cover?

Renters insurance works a lot like homeowners insurance — just without the structure coverage.

1.) Personal Property (Your Stuff)

Covers your belongings if they are damaged, stolen, or destroyed by:

  • Fire

  • Smoke

  • Theft or break-in

  • Water damage (from sudden events)

  • Vandalism

  • Certain storms

We can cover everything from furniture to laptops, clothing to appliances — even items stolen from your car or away from home.

2.) Liability Protection (Required — but we give you BETTER coverage)

If someone gets hurt in your apartment or you accidentally damage someone else’s property, liability covers:

  • Medical bills

  • Property damage

  • Legal fees

  • Lawsuit protection

Most landlords require liability — but they don’t care about how much. We make sure you’re properly protected, not just “bare minimum.”

3.) Loss of Use (Huge, hidden benefit!)

If your rental becomes uninhabitable due to a covered loss, renters insurance pays for:

  • Hotel stays

  • Temporary housing

  • Food & living expenses

  • Pet boarding

Most renters don’t even know this exists — but it can save thousands after an emergency.

4.) Medical Payments to Others

If a guest is injured in your home, this covers their medical bills — no lawsuit necessary.

Scheduled Personal Property (Optional, but Highly Recommended)

Standard limits on valuable items are LOW. To fully protect high-value belongings, we “schedule” them for full coverage.

Schedule items like:

  • Jewelry & engagement rings

  • Firearms

  • Designer handbags

  • Sports equipment (golf clubs, fishing gear)

  • Musical instruments

  • Collectibles & art

If it would hurt to lose it — schedule it.

We’ll help you do it the right way so you’re fully reimbursed in a claim.

Want to Save BIG? Bundle Renters + Auto.

When you bundle renters and auto insurance with us, you can often get renters insurance for as little as $10–$20/month after discounts.

Benefits of bundling with Rhonda:

  • Huge savings

  • One agent, one bill

  • Fewer gaps in coverage

  • Stronger protection

  • Drivewise® safe driving discounts can lower your auto rate even more

Why Cheap or Complex-Sold Policies Fail Renters

Most renters only find out AFTER a claim that their “policy” didn’t actually protect them.

Don’t wait until it’s too late.

Let us build a policy designed around YOUR lifestyle.

Why Work with a Local Agent Instead of a Call Center or App?

Because we actually explain what’s covered — and what’s not.

With Rhonda P. Myers Agency, you get:

  • Personalized coverage

  • Clear explanations (no jargon)

  • Guidance on landlord requirements

  • Help with scheduling valuable items

  • Local claim support

  • Yearly policy reviews as your life changes

You deserve more than a checkbox policy. You deserve real protection.

Apartment Complex Insurance Plans vs REAL Renters Insurance

Sold by Apartment Complex

Protects the landlord

Covers their building

Meets minimum liability

Often overpriced

No personal guidance

Doesn’t cover your stuff

Bare minimum protection

Provided by Rhonda Myers Agency

Protects YOU

Covers your belongings

Includes real liability limits

Priced fairly + discounts

Local expert support

Full replacement coverage

Customized protection

Apartment policies benefit them. Our policies protect YOU.

Real Story:

★ ★ ★ ★ ★

“When a storm hit and we had roof damage, Rhonda explained everything, worked with the adjuster, and helped us get what we were owed. She even told us ahead of time what would and wouldn’t be covered. No surprises!”

Serving Renters Throughout the Lowcountry:

Charleston

James Island

Johns Island

West Ashley

Charleston

North Charleston

Summerville

Folly Beach

We know the complexes, the landlords, and the lease requirements — and we’ll make sure your policy meets them AND protects you.

Protect Your Belongings. Protect Your Future.

Renters insurance is one of the most affordable and most valuable types of insurance you can have.

Don’t settle for the bare minimum your apartment complex tries to sell you.

Get real coverage that protects YOU.

Your stuff matters. Let’s protect it the right way.

© 2025
Rhonda P Myers: Allstate Insurance. All rights reserved