Lemonade Renters Insurance in Mount Pleasant, SC
With renters insurance, you can get personal liability coverage
and protect your stuff in Rock Hill. Learn more about
coverage and how it works
What does Lemonade renters insurance in Mount Pleasant protect me against?
Renters insurance protects your stuff against several potential damages (or “perils” in insurance speak). A standard renters insurance policy in Mount Pleasant covers perils like:
- Fire & Smoke Damage
- Theft & Break-Ins
- Clothes & Shoes
- Jewelry & Watches
- Your Laptop & Electronics
- Books & Collections
- Wind & Hail Damage
- Art & Musical Instruments
- Kitchen Appliances & Gadgets
- Furniture & Home Decor
- Sports Equipment & Bikes
- Water damage From Burst Pipes
Not covered: floods, normal wear & tear, your roommate’s stuff, or getting mad at the RiverDogs & punching your TV.
What does Lemonade renters insurance cover in Mount Pleasant?
It’s not just about your stuff, renters insurance also covers:
Personal liability
Someone slips at your pool party? We’ve got the medical bills and potential lawsuits covered
Loss of use
Burst pipe makes your place unlivable? We’ll cover hotel costs above what you normally spend
Medical payments
Guest cuts themselves on broken glass? We’ll handle the cost of their ER visit
Want to learn more about what renters insurance covers (and what it doesn’t)? Check our coverage guide.
How much does renters insurance cost in Mount Pleasant?
As of 2026, renters insurance in Mount Pleasant is $24 per month on average. Factors like your location, how much coverage you select, and your deductible determine how much you’ll pay.
Here is how it compares to other cities in South Carolina:
| City | Average monthly cost |
|---|---|
| Mount Pleasant | $24 |
| Charleston | $22 |
| Rock Hill | $20 |
| Columbia | $23 |
| Summerville | $22 |
Source: ValuePenguin
Customers love Lemonade renters insurance
Our customers rate Lemonade renters insurance 4.9 on Trustpilot. Don’t just take our word for it, check out what they’re saying.
How does Lemonade protect Mount Pleasant renters?
Protection built for waterfront life and East Cooper risks
Hurricane protection
Wind, hail, and (some) water damage when South Carolina’s hurricanes and severe storms hit
Protection against theft
We’ll cover your electronics whether it’s a break-in or grab-and-go
Hurricane displacement
Hurricane or severe storm evacuation keeping you out of your place? We’ve got you covered
How much renters insurance do you need in Mount Pleasant?
The right amount depends on what you own and your lifestyle.
Here’s how to calculate what you need.
Personal property coverage
You can choose anywhere from $10,000 to $250,000 in coverage. Walk through your Mount Pleasant rental and add up what it would cost to replace everything: furniture, electronics, clothes, kitchen items, and personal belongings. That sum should be your personal property coverage limit.
Read moreLoss of use coverage
Coverage ranges from $3,000 to $200,000. Think about how much you’d spend on temporary housing, meals, and other expenses if your rental became unlivable due to covered damage. Spending just one week in a Mount Pleasant hotel will run you $1,456*, so factor in your local costs.
Read morePersonal liability coverage
Lemonade’s standard $100,000 covers medical bills and legal fees if someone gets hurt in your rental or if you accidentally damage someone else’s property. Your landlord will probably specify how much you need, so pay attention to your lease requirements.
Read moreHow to save on renters insurance rates
Renters insurance is generally quite affordable, but there are still some ways you can save
Bundle
Combine renters with car or pet insurance for instant multi‐policy discounts. (Plus, you can manage your policies in one place)
Pay in full
Pay your full premium upfront to avoid monthly fees and earn up to a 5% annual payment discount.
Security devices
Fire alarms and security systems can lower your rate. Check what safety features your rental has, you might already qualify.
Who needs renters insurance in Mount Pleasant?
Renters insurance is one of the smartest investments any renter can make. Here’s how a handful of Mount Pleasant residents benefit from coverage:
Tech professionals
Working in Mount Pleasant's growing tech scene means you probably have some valuable personal electronics at home. Renters insurance protects your personal devices and gadgets, from headphones to gaming consoles to laptops you bought yourself, from hurricane damage or theft. It's smart protection for all your personal belongings.
Airline employees
Working for airlines at Charleston International Airport means irregular schedules and time away from your Mount Pleasant home. Renters insurance protects your belongings while you're keeping Charleston connected to the world, covering hurricane damage and theft. It's peace of mind while you're traveling for work.
Young professionals
Your laptop, furniture, and professional wardrobe are investments in building your career while enjoying one of most desirable locations. Renters insurance protects them from hurricane damage and covers liability if someone gets hurt in your space. For less than your monthly Shem Creek dining budget, you're protected.
Hospitality professionals
Working in Mount Pleasant's thriving tourism and restaurant industry means understanding excellent service and protection. Renters insurance covers your work uniforms, tip savings, and belongings from coastal storm damage or theft. Since hospitality work can be seasonal, you need year-round coverage regardless of tourism fluctuations.
Healthcare workers
Completing your residency at MUSC while living in Mount Pleasant means balancing demanding hospital schedules with coastal living risks. Renters insurance protects your medical equipment, study materials, and electronics from hurricane damage or theft while you're focused on your demanding medical training program.
What’s the best renters insurance in Mount Pleasant?
We might be biased, but Lemonade was designed to shine for Mount Pleasant renters
All in the app
Get a quote, manage your policy, and file claims all from your phone
Coverage for you
Pick exactly what you need. No cookie-cutter policies
Claims paid fast
Most claims get handled in minutes, not weeks
Mount Pleasant renters insurance FAQs
What's the average cost of rent in Mount Pleasant?
According to Zumper*, the average cost of rent in Mount Pleasant is $2,989. However, the average cost of rent varies widely depending on where you live, and the type of home you’re renting. Here’s a look at how the average cost of rent changes in Mount Pleasant based on your property type:
- Apartment: $2,014
- Condo: $2,347
- House: $3,715
How does renters insurance work in Mount Pleasant?
Lemonade harnesses the power of tech to make the process of filing a renters insurance claim and getting reimbursed stress-free. Here’s how the renters insurance claims process works for Mount Pleasant residents:
- Document damage: When disaster strikes in Mount Pleasant, make sure to take clear photos or videos of any damage to your belongings. This documentation will help support your claim.
- File a claim: Open the Lemonade app and file your claim in minutes by chatting with AI Jim and providing the necessary details about your loss or damage.
- Get reimbursed: For eligible claims, receive your money directly in your bank account. Around 30% of Lemonade renters insurance claims are handled instantly, so Mount Pleasant renters can get back to normal quickly.
What information do I need to get a renters insurance quote?
Getting a renters insurance quote takes just a few minutes. You’ll need:
• Your rental address and move-in date
• An estimate of what your belongings are worth
• Your preferred deductible amount
• Basic details about your rental (apartment, house, or condo)
• Any security features like fire alarms or security systems
Most quotes take under 5 minutes, and you can adjust your coverage anytime through the Lemonade app.
Will my renters insurance cover items stolen from my car while visiting Patriots Point?
Yes, your belongings is covered under personal property. Whether your items are stolen while visiting Patriots Point Naval Museum or dining in the Old Village, your renters insurance personal property coverage applies. With a 1 in 76 chance of property crime, this makes renters insurance coverage is especially valuable for your stuff.
Are my belongings covered if they're damaged by flooding near Shem Creek or the waterfront?
No, standard renters insurance doesn’t cover flood damage. If you’re renting close to the water in Mount Pleasant, consider separate flood insurance through National Flood Insurance Program (NFIP).
Continue Reading
All coverage is subject to individual policy limits, terms, and conditions. Certain items mentioned in this article, including electronics, jewelry and watches, art and musical instruments, and some collections, are subject to sub—limits under standard renters insurance policies and may need to be scheduled separately for full protection. Any hypothetical examples used in Lemonade editorial content are purely expositional. Hypothetical examples do not alter or bind Lemonade to any application of your insurance policy to the particular facts and circumstances of any actual claim. The costs shown in this article are sourced from Value Penguin, accessed January 2026. https://www.valuepenguin.com/best-cheap-renters-insurance-south-carolina
*Average costs of hotel stays sourced from https://www.kayak.com/Mount-Pleasant-Hotels.14094.hotel.ksp
* Average cost of rent sourced from Zumper as of January 2026 https://www.zumper.com/