Renters Insurance in Myrtle Beach, SC

What Is Renters Insurance?

Renters insurance protects your personal belongings, provides liability coverage, and pays for temporary housing if your rental becomes uninhabitable. If you rent an apartment, house, condo, or townhome in Myrtle Beach or anywhere in South Carolina, this coverage is essential. Your landlord's insurance covers the building — not your stuff.

Whether you're renting a beachfront apartment in North Myrtle Beach, a house in Conway, or a unit in a Surfside Beach complex, renters insurance keeps you protected from theft, fire, water damage, and liability claims.

Why Myrtle Beach Renters Need Insurance

Many renters assume their landlord's insurance will cover them if something goes wrong. It won't. Your landlord's policy protects the building structure, not your furniture, electronics, clothing, or other personal property. If a fire destroys your apartment or a thief breaks in and steals your belongings, you're on your own without renters insurance.

• Your landlord's policy does not cover your personal belongings


• Protects against theft, fire, smoke damage, vandalism, and certain types of water damage


• Covers liability if someone is injured in your rental and sues you


• Pays for temporary housing and living expenses if your rental becomes uninhabitable


• Many Myrtle Beach landlords now require renters insurance as a condition of the lease


• Coverage extends to your belongings even outside your rental — in your car, at work, or in a storage unit

What Does Renters Insurance Cover?

A renters insurance policy in South Carolina typically includes several coverages that work together to protect your belongings, your finances, and your living situation.

Personal Property Coverage: Pays to repair or replace your belongings if they're damaged, destroyed, or stolen due to a covered peril. This includes furniture, electronics, appliances, clothing, and other personal items. If someone breaks into your Myrtle Beach apartment and steals your laptop and TV, personal property coverage reimburses you up to your policy limits.

Liability Protection: Covers legal expenses, medical bills, and settlements if someone is injured in your rental and you're found responsible. If a guest slips in your kitchen and breaks their wrist, your renters insurance helps cover their medical bills and protects you if they decide to sue.

Medical Payments to Others: Pays for minor medical expenses if a guest is injured in your rental, regardless of fault. This coverage can help resolve smaller incidents before they turn into lawsuits.

Additional Living Expenses (Loss of Use): Pays for temporary housing, meals, and other costs if your rental becomes uninhabitable after a covered event like a fire or major water damage. If you need to stay in a hotel while your North Myrtle Beach apartment is being repaired, this coverage helps with those expenses.

What Renters Insurance Doesn't Cover

Renters insurance covers a lot, but it has exclusions. Understanding what's not covered helps you avoid surprises when you need to file a claim.

• Flood damage (requires a separate flood insurance policy)


• Earthquake damage (requires separate earthquake coverage)


• Your roommate's belongings (they need their own policy)


• Damage caused by pests like termites, bed bugs, or rodents


• Normal wear and tear


• Intentional damage you cause

Flood insurance is especially important for Myrtle Beach renters. Standard renters policies don't cover flood damage, and many areas along the coast are in or near flood zones. Even if you're not in a high-risk area, flooding can happen anywhere — ask our agents about adding flood coverage to your protection.

Actual Cash Value vs. Replacement Cost

When you buy renters insurance, you'll choose between two ways to value your belongings: actual cash value or replacement cost.

Actual Cash Value (ACV): Pays what your belongings are worth at the time of the loss, accounting for depreciation. If your five-year-old TV is stolen, you'll receive what a five-year-old TV is worth today — not what you paid for it or what a new one costs.

Replacement Cost: Pays to replace your belongings with new items of similar kind and quality, without deducting for depreciation. If your TV is stolen, you'll receive enough to buy a comparable new TV.

Replacement cost coverage typically costs a bit more, but it provides better protection. Our agents can help you decide which option makes sense for your situation and budget.

How Much Renters Insurance Do You Need?

To determine how much personal property coverage you need, take a home inventory of your belongings. Walk through your rental and add up the value of your furniture, electronics, clothing, kitchen items, and other possessions. Most people are surprised by how much their stuff is actually worth.

For liability coverage, consider your assets and risk exposure. Standard policies often include $100,000 in liability, but you may want more if you frequently have guests over or if you have assets to protect.

Our Myrtle Beach agents can help you assess your coverage needs and make sure you're not underinsured — or paying for more coverage than you need.

How Much Does Renters Insurance Cost in South Carolina?

Renters insurance is one of the most affordable types of insurance available. Most renters in Myrtle Beach, Conway, Murrells Inlet, and surrounding areas pay between $15 and $30 per month for solid coverage. That's less than a streaming subscription for protection that could save you thousands.

Your premium depends on factors like your location, coverage limits, deductible, and any optional coverages you add. You may be able to lower your cost by bundling renters insurance with your auto policy, choosing a higher deductible, or qualifying for discounts like autopay or claim-free savings.

Moore & Associates shops multiple carriers to find you competitive renters insurance rates. We'll help you get the coverage you need without overpaying.

Does My Landlord Require Renters Insurance?

Many landlords and property management companies in Myrtle Beach now require tenants to carry renters insurance as a condition of the lease. Even if it's not required, it's a smart investment. For a small monthly cost, you protect your belongings, shield yourself from liability claims, and ensure you have a place to stay if disaster strikes.

If your landlord requires proof of insurance, we can provide a certificate of insurance or add them as an interested party on your policy — just let us know what they need.

Renters Insurance for College Students

If you're a college student renting an apartment or living off-campus near Coastal Carolina, Horry-Georgetown Technical College, or anywhere in the Myrtle Beach area, renters insurance protects your belongings from theft, fire, and other covered perils. Dorm residents may have some coverage under their parents' homeowners policy, but off-campus renters typically need their own policy.

Renters insurance is affordable enough for student budgets and provides peace of mind knowing your laptop, furniture, and other belongings are covered.

Why Work With Moore & Associates?

As an independent insurance agency in Myrtle Beach, SC, we work with multiple insurance companies to find the right renters insurance policy for your needs. We're not tied to one carrier, so we can compare options and get you solid coverage at a fair price.

Moore & Associates has served South Carolina renters since 1979. We understand the local market and what it takes to protect Myrtle Beach tenants. When you call, you reach a local agent who knows Myrtle Beach, North Myrtle Beach, Conway, Pawleys Island, and Georgetown — not a call center in another state.

Get a Renters Insurance Quote in Myrtle Beach, South Carolina

Our renters insurance agents serve Myrtle Beach, South Carolina and surrounding areas including North Myrtle Beach, Atlantic Beach, Conway, Surfside Beach, Murrells Inlet, Litchfield, Pawleys Island, and Georgetown. Contact Moore & Associates today for a free quote.