Best Renters Insurance Companies in Columbia, SC

Columbia, SC Renters Insurance FAQs

• What is covered by Columbia renter's insurance?

  If your home becomes uninhabitable, renter's insurance in Columbia covers anything you own that is portable. This includes items like jewelry, appliances, clothes, electronics, and other personal belongings. It also covers weather-related damage, accidental damage to another person's property, and medical and legal costs in the event that someone is hurt in your rental home.

• Does anyone residing in your rental home in Columbia have liability coverage under your renter's insurance policy?

  No. Your Columbia renter's insurance policy's liability coverage does not protect tenants against accidents. Rather, it will protect your assets if a visitor or guest is injured in your rental home and files a lawsuit against you for losses. For instance, suppose you spilled some liquid and left it there, causing a maintenance worker to fall and suffer catastrophic injuries on the stairs of your apartment, your renter's insurance will cover the medical expenses.

• In Columbia, is fire covered by renter's insurance?

  Yes. Your possessions are covered by fire damage under your renter's insurance policy in Columbia, up to the amount of your policy's personal property coverage and less any deductible. If a fire damages your home, the loss of use coverage under your insurance can also cover the expenses of residing outside the rental house.

• Is it possible for your Columbia landlord to demand that you add them to your renter's insurance policy?

  Yes. Some landlords in Columbia demand that you add them to your renter's insurance policy as an additional interest. The act of granting extra interest status only notifies your landlord of any modifications to your policy, such as if you decide to discontinue coverage while still under lease. They are not given coverage or the capacity to make claims under it.

• Are firearms covered by renter's insurance in Columbia?

  Yes. As long as the cause of loss is under a covered risk, the renter's insurance in Columbia could pay for loss or damage to firearms and firearm accessories up to the policy limits. If you own a valuable antique piece, you'll probably need additional insurance to cover the costs. Your renter's insurance policy does not cover loss or flood damage to firearms.