Conway is one of the most affordable places to rent in Horry County — and its historic downtown, growing amenities, and easy access to Myrtle Beach make it an increasingly popular choice for renters. But if you're renting in Conway, there's one thing your landlord's insurance policy will never cover: you and your belongings. Renters insurance closes that gap at a cost that's less than most people expect. Moore & Associates Insurance helps Conway renters compare options from multiple carriers to find the right coverage at the best rate.

Your landlord's policy insures the building — the structure, the roof, the plumbing, and the electrical systems. When something happens to those elements, the landlord's insurance pays. But your personal property — your furniture, electronics, clothing, kitchen appliances, and everything else you own — is not covered by your landlord's policy. Neither is your personal liability if a guest is injured in your unit.

Without renters insurance, replacing everything you own after a fire, a burst pipe, or a theft would come entirely out of your own pocket. For most renters, that's a financial hit they're not prepared to absorb.

Conway sits along the Waccamaw River, and portions of the city have documented flood risk — including some apartment complexes and rental homes in lower-lying areas. Standard renters insurance covers many perils, including fire, theft, windstorm damage, and burst pipes, but it does not cover flood damage. If your rental is in or near a flood zone, it's worth asking your agent about separate flood coverage for your personal belongings.

Conway also experienced the effects of Hurricane Florence in 2018, when historic flooding displaced thousands of residents. Even renters who weren't directly flooded may have faced displacement if their building was damaged. Additional living expenses coverage — included in most renters insurance policies — pays for hotel costs, meals, and other expenses while you're temporarily displaced, which can be a critical financial safety net after a major weather event.

Personal property coverage protects your belongings against covered perils: fire, theft, vandalism, windstorm, and more. This coverage often extends beyond your apartment — if your laptop is stolen from your car or your bike is taken from outside work, your renters policy may cover it.

Liability coverage protects you if a guest is injured in your unit or if you accidentally cause damage to a neighbor's property — for example, if an overflowing bathtub damages the unit below yours. Medical payments coverage handles smaller injury claims from guests, regardless of fault. Together, these coverages protect you from costly surprises that could otherwise result in significant out-of-pocket expenses or even a lawsuit.

Additional living expenses coverage rounds out the policy, paying for your temporary housing costs if your unit is rendered uninhabitable by a covered event. In Conway, where weather-related displacement is a real risk, this coverage is particularly worth having.

Renters insurance is one of the most affordable types of insurance available. Most Conway renters can get solid coverage for $15–$25 per month, depending on their coverage limits and claims history. Bundling renters insurance with auto insurance from the same carrier can reduce your overall cost even further through multi-policy discounts.

Moore & Associates compares options from multiple carriers to find the combination of price and coverage that works best for your situation. Getting covered takes minutes and costs far less than replacing even a fraction of what you own.

Moore & Associates Insurance has served Conway and Horry County since 1979. We're an independent agency, which means we compare renters insurance from multiple carriers — not just one. Contact us today for a free, no-obligation renters insurance quote in Conway, and protect what matters most.