Renters Insurance

Affordable coverage for your belongings, liability, and temporary living expenses if your rental becomes uninhabitable.

Renting in Charleston, whether it's a downtown apartment, a carriage house in Harleston Village, or a townhome in Summerville, doesn't mean your belongings are covered by your landlord's insurance. Harbor Point Insurance provides renters policies that protect your personal property against theft, fire, water damage, and other covered perils. Our policies also include personal liability coverage and additional living expenses if your rental becomes uninhabitable due to a covered event. With Charleston's older building stock and flood exposure, renters insurance is a smart investment that most tenants overlook until it's too late.

What's Included

Personal property protection
Liability coverage included
Additional living expenses
Affordable monthly premiums

Renters Insurance Service Areas

We provide renters insurance services across the Charleston area and Lowcountry.

Frequently Asked Questions

Does my landlord's insurance cover my belongings?

No. Your landlord's policy covers the building structure only. Your furniture, electronics, clothing, and other personal property are not covered unless you carry your own renters insurance policy.

Does renters insurance cover flood damage to my belongings?

No. Like homeowners insurance, standard renters policies exclude flood damage. If you rent in a flood-prone area of Charleston, we can add a separate renters flood policy to protect your belongings.