Your landlord's insurance covers the building — not your belongings. Renters insurance is one of the most affordable policies available, and one of the most overlooked.
For roughly the cost of a couple of meals out per month, renters insurance gives you three important types of protection.
Covers your belongings — electronics, furniture, clothing, kitchen items — if they're stolen, destroyed by fire, or damaged by certain events. Covers items both at home and away from home in many cases.
If someone is injured in your apartment and sues you, or if you accidentally damage someone else's property, liability coverage helps pay for legal costs and settlements.
If your rental becomes uninhabitable due to a covered loss — like a fire — this coverage helps pay for temporary housing and extra living expenses while repairs are made.
Covers minor medical expenses if a guest is injured in your home, regardless of fault. Helps you handle situations without going through a formal liability claim.
Most people who don't have renters insurance have been misled by one of these common misconceptions.
Your landlord's policy covers the building structure only. Your personal belongings, your liability, and your living expenses if displaced have zero coverage under their policy.
Most people underestimate what they own. Add up your electronics, clothing, furniture, and kitchen items — it's likely worth $15,000 to $30,000 or more.
Renters insurance is often the most affordable policy available — frequently $15–$25 per month for solid coverage. It's one of the best values in all of insurance.
Whether required or not, renters insurance protects YOU. A fire, theft, or guest injury without coverage means those losses come entirely out of your pocket.
Learn More
Everything South Carolina renters need to know about protecting their belongings and liability.
A complete guide for Lexington renters — what your landlord's policy won't cover and how to protect yourself affordably.
Read the guide →Bundling renters with your auto policy is one of the fastest ways to lower your total insurance costs.
Read the guide →Just moved to the Midlands? This checklist covers everything new SC residents need including renters insurance.
Read the guide →Takes about 10 minutes. Affordable coverage that protects everything you own — from a local Lexington agent you can actually call.
Ben Mauldin | 803-920-8827 | ben@mauldininsurancegroup.com