Renters Insurance in South Carolina
The fact that you don't own your home here in South Carolina doesn't mean that you don't need insurance. You still have your possessions, and when you add up the money that you spent on them over the years, you'll raise your eyebrows over how much money you've gone through. If some or all of your personal property is lost or damaged in a fire, storm, or theft, your landlord's insurance isn't going to cover those things. If a visitor trips and falls on some loose carpeting on your floor, your landlord's insurance isn't going to cover your liability either. That's why you need to speak with us about renter’s insurance here at Higgins & Halloran in Columbia, SC. We can help you with renter’s insurance at surprisingly affordable rates.
How Much Renters Insurance Do I Need in South Carolina?
You're going to want to set your coverage limits that are appropriate for your assets. You might even be a high earner who doesn't want to own a home at this point. An agent at Higgins & Halloran will be able to help you set your policy limits. We can probably even help you with additional living expenses in the event of a catastrophe.
Actual Cash Value vs. Replacement Cost
Suppose you purchase a policy with an actual cash value provision that pays a covered loss at an item's current market value. That means the depreciation is considered. If your coverage is for replacement cost, your coverage might help you replace an item after a covered loss.
Contact Higgins & Halloran for Renters Insurance
Maybe you even have high-value items like artwork or jewelry that you'll want special coverage on. We can help you with special endorsements on those. No matter where you might live in South Carolina, contact Higgins & Halloran in Columbia, SC about your renter's insurance. Don't leave your personal property uninsured. We can help you customize your renter's insurance to your specific needs.