Lemonade Renters Insurance in South Carolina
Renters insurance that actually makes sense.
Get a quote for South Carolina coverage at lightning speed.
What does Lemonade renters insurance in South Carolina protect me against?
Renters insurance protects your stuff against several potential damages (or “perils” in insurance speak). A standard renters insurance policy in South Carolina covers perils like:
- Smoke
- Riots
- Theft
- Freezing
- Explosion
- Vandalism
- Aircraft
- Vehicles
- Fire or lightning
- Windstorm or hail
- Falling objects
- Volcanic eruption
What does Lemonade renters insurance cover in South Carolina?
Renters insurance in South Carolina helps protect your belongings from unexpected events, and covers you if you accidentally damage someone else’s property or cause injury
Personal property coverage
We’ll help replace what you own if it gets stolen, damaged, or destroyed by a covered event
Temporary living expenses
Hotel bills, meals, laundry? We’ve got you covered if your place becomes temporarily unlivable
Personal liability & medical bills
Accidents happen. We’ll help cover medical bills and legal costs if someone gets injured at your place
How does Lemonade protect South Carolina renters?
Protection built for Palmetto State living and coastal risks
Hurricane protection
In the fifth most hurricane-prone state in the U.S., your belongings are covered
Theft protection
With the 3rd highest property crime rate, your items are covered whether it’s a break-in or grab-and-go
Wildfire displacement
SC sees about 3,000 fires a year. If you’re evacuated we’ll cover your hotel stays
How much does renters insurance cost in South Carolina?
As of 2026, renters insurance in South Carolina typically averages $21 per month. That’s less than your monthly coffee budget for protection that could save you thousands. How much you actually pay will depend on factors like your location, how much coverage you select, and your deductible.
| City | Average monthly cost |
|---|---|
| Charleston | $22 |
| Columbia | $23 |
| Summerville | $22 |
| Rock Hill | $20 |
| Mount Pleasant | $24 |
Source: ValuePenguin
How can I lower my renters insurance rate?
Renters insurance is generally quite affordable, but there are still some ways you can save
Bundle
Unlock discounts when you bundle your Lemonade Renters policy with our car or pet insurance
Security devices
Earn discounts if your rental property has fire or burglar alarms
Pay in full
Save even more when you pay your annual premium upfront rather than month-to-month
How much renters insurance coverage do I need in South Carolina?
Here’s some tips to help you understand how much renters insurance you need
| Coverage | What are my options? | How much do I need? |
|---|---|---|
| Personal property | $10,000 to $250,000 | The total cost of all your belongings, rounded to the nearest $10K |
| Loss of use | $3,000 to $200,000 | Estimate extra living costs if covered damage makes your rental unlivable |
| Personal liability | Standard limit of $100,000 | Check your lease details, your landlord will probably require a minimum |
What’s the best renters insurance in South Carolina?
Lemonade was designed to shine for SC renters, here’s why:
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
South Carolina renters insurance FAQs
Is renters insurance required in South Carolina?
No, there’s no federal or state law requiring you to get renters insurance, but it is required by law that you comply with your lease. So, if those terms include having renters insurance, you need to make sure you’re covered.
Most landlords and property managers require you to provide proof of your renters insurance policy before you sign your lease. Sometimes, they’ll also ask for proof of insurance each time you renew your lease. Your landlord may even require you to list them on your policy as an interested party so that they’ll be notified if you cancel your policy.
Can I insure high-value items like jewelry or art?
Yes! Lemonade’s Extra Coverage provides enhanced protection (and zero-deductible claims!) for high-value items—like jewelry, cameras, bicycles, or art worth $350 or more. You’ll also be covered for accidental damage or mysterious loss, which a standard renters policy won’t cover.
Does South Carolina renters insurance cover hurricane damage?
Yes, wind damage from hurricanes is covered. If you live in a flood prone area, consider finding separate flood insurance. Recent events like Hurricane Helene (2024) was South Carolina’s most destructive storm since Hurricane Hugo in 1989, despite not making direct landfall.This is what makes renters insurance coverage especially valuable for protecting your belongings.
Are my belongings covered during severe weather in South Carolina?
Yes, your personal property is covered against windstorms, hail, and other severe weather in South Carolina. Whether it’s summer thunderstorms, tornadoes in the Midlands, or tropical storms hitting the coast, your electronics, furniture, and other belongings are protected.
Does South Carolina renters insurance cover water damage?
Yes, some water damage is covered under your South Carolina renters insurance policy. However, flood damage from rising water, storm surge, or overflow requires separate flood insurance through FEMA’s National Flood Insurance Program (NFIP). If water damage makes your place temporarily unlivable, your renters insurance covers additional living expenses.
This post is general in nature, and any statement in it doesn’t alter the terms, conditions, exclusions, or limitations of policies issued by Lemonade, which differ according to your state of residence. You’re encouraged to discuss your specific circumstances with your own professional advisors. The purpose of this post is merely to provide you with info and insights you can use to make such discussions more productive! Naturally, all comments by, or references to, third parties represent their own views, and Lemonade assumes no responsibility for them. Coverage and discounts may not be available in all states. Lemonade Insurance analyzed policy rates to calculate average renters premiums as of January, 2026. This analysis is based on Lemonade’s internal data and is meant for illustrative purposes only; quotes may vary depending on individual circumstances.