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Whether you’re renting out a beach condo in Myrtle Beach, a duplex in Charleston, or student housing in Columbia—if you’re a landlord in South Carolina, you need real protection.
Landlord insurance in South Carolina covers you when the unexpected happens—hurricane damage, tenant lawsuits, or major property repairs. This guide gives you the facts on coverage, costs, and why skipping this policy could cost you big.
South Carolina’s coastal exposure means higher risk for wind, water, and hurricane damage. Regular homeowners insurance isn’t built for that—especially if you’re renting to tenants.
You need a landlord-specific policy that protects your property and your rental income from the actual risks landlords face.
Covers damage to your rental home caused by fire, storms, vandalism, and theft. This is critical during hurricane season or after a major thunderstorm.
If a tenant or visitor is injured on your property, this helps cover legal costs, medical expenses, and lawsuits.
If your rental becomes uninhabitable after a covered event, this replaces the rent you’d normally receive.
Expect to pay between $950 and $1,900 per year, depending on:
Bundling policies, maintaining the property, and installing safety features can help lower your premium.
Our top pick? Steadily. They focus 100% on landlord insurance and offer fast quotes, flexible options, and excellent service.
One storm can cause thousands in roof, siding, and window damage. Make sure your policy isn’t full of exclusions.
Standard landlord insurance doesn’t cover floods. You’ll need to add it separately—especially if you’re on or near the coast.
From deck collapses to slip-and-falls, tenants or visitors can file claims that cost you more than repairs ever will.
No, but most mortgage lenders will require it—and skipping it is a huge financial risk.
No. You need to buy a separate flood policy or add flood coverage if your rental is in a high-risk zone.
No. Tenants need their own renters insurance for their belongings.
From hurricanes in Hilton Head to tenant claims in Greenville, landlord insurance in South Carolina is how you protect your investment.
Don’t wait until a storm hits or a tenant files a claim to realize your policy falls short. Avoid the common traps and get coverage that actually works.
Our advise is based on experience in the mortgage industry and we are dedicated to helping you achieve your goal of owning a home. We may receive compensation from partner banks when you view mortgage rates listed on our website.