Lemonade Renters Insurance in Summerville, SC
With renters insurance, you can get personal liability coverage and protect your stuff in Summerville. Learn more about coverage and how it works
What does Lemonade renters insurance in Summerville protect me against?
Renters insurance protects your stuff against several potential damages (or “perils” in insurance speak). A standard renters insurance policy in Summerville 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 Summerville?
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 Summerville??
As of 2026, renters insurance in Summerville is $22 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 |
|---|---|
| Summerville | $22 |
| Charleston | $22 |
| Columbia | $23 |
| Rock Hill | $20 |
| Mount Pleasant | $24 |
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 Summerville renters?
Protection built for Lowcountry life and suburban 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 Summerville?
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 Summerville 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 Protection built for Lowcountry life and suburban risks hotel will run you $909*, 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 Summerville?
Renters insurance is one of the smartest investments any renter can make. Here’s how a handful of Summerville residents benefit from coverage:
Young families
Building your first family while saving for a home means every dollar counts, and so does protecting your growing investments. Renters insurance protects your baby gear, electronics, and nursery setup from fire or theft at an affordable price. Plus, liability coverage protects you when other families visit for playdates.
Charleston commuters
Your daily drive from Summerville to work means your car sits unattended and your home stays empty during long days. Renters insurance covers belongings stolen from your vehicle and protects your home office setup for remote work days. It's smart protection for professionals choosing Summerville's affordability over Charleston's rent prices.
Manufacturing workers
Working at local plants and facilities means shift schedules and times when your Summerville home is unprotected. Renters insurance covers your work gear, electronics, and belongings from theft or damage while providing reliable protection that works around your manufacturing schedule, not against it.
Retirees
Retirement in Summerville means enjoying an active lifestyle on a fixed income while protecting what you've spent a lifetime accumulating. Renters insurance covers your golf clubs, electronics, and belongings from theft or storm damage at an affordable price. Plus, liability coverage protects you during community gatherings and family visits.
Teachers
Working in Dorchester County schools or commuting to Charleston area educational institutions means you have valuable teaching materials and technology at home. Renters insurance protects your laptops, educational resources, and professional materials from theft or damage, plus covers liability when colleagues visit for curriculum planning.
What’s the best renters insurance in Summerville?
We might be biased, but Lemonade was designed to shine for Summerville 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
Summerville renters insurance FAQs
What's the average cost of rent in Summerville?
According to Zumper*, the average cost of rent in Summerville is $2,025. 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 Summerville based on your property type:
- Apartment: $1,599
- Condo: $1,525
- House: $2,355
How does renters insurance work in Summerville?
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 Summerville residents:
- Document damage: When disaster strikes in Summerville, 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 Summerville 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 Summerville renters insurance cover items stolen from my car while visiting Azalea Park?
Yes, your belongings is covered under personal property. Whether your items are stolen while you’re at Azalea Park or visiting local attractions, your renters insurance personal property coverage applies. With a 1 in 32 chance of property crime, this makes renters insurance coverage is especially valuable for protecting your belongings.
Does Summerville renters insurance cover hurricane damage from coastal storms?
Yes, renters insurance covers hurricane wind damage to your belongings and temporary housing costs if your rental becomes uninhabitable. Given Summerville’s proximity to the coast and exposure to hurricanes like Dorian (2019) and Ian (2022). That’s exactly why renters insurance matters, it protects your stuff when storms hit.
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.budgetyourtrip.com/search.php Average cost of rent sourced from Zumper as of January 2026 https://www.zumper.com/