South Carolina Renters Insurance Information - Columbia, SC Area
We offer inexpensive South Carolina renters insurance policy rates that have flexibility to meet your
individual needs and above all, provide you with the security that comes only from the knowledge
that your home is safe. If you live in an apartment or a rented house, a South Carolina renters
insurance policy covers you and your possessions. A standard South Carolina renters insurance
policy protects your personal property in many cases of theft or damage, and may pay for
temporary living expenses if your rental is damaged so seriously you can't live in it. It can also
protect you from personal liability.
The standard South Carolina renters insurance policy covers the actual cash value of personal
property. Payments are based on the replacement cost of the property minus a deduction for
physical depreciation and obsolescence. If you add replacement cost coverage (for an additional
premium), the insurance company will pay one of the two amounts below, whichever is lower?
1. The cost to replace the property with a similar type and quality of property without a
deduction for depreciation.
2. The full cost to repair at the time of the loss.
A South Carolina renters insurance policy is a popular form of personal insurance and usually
contains four sections: C, D, E, and F:

Coverage C - protects your personal property, (e.g. furniture, CDs, stereo and clothes). You
choose a dollar amount limit (what you think your possessions are worth) when you purchase a
South Carolina renters insurance policy.
Coverage D - covers loss of use - the expenses you face when your apartment can't be used
due to an insured loss. This is usually 20% of your personal property limit.
Coverage E - covers your personal liability claims and suits for bodily injury or property damage.
You choose this limit when you purchase the South Carolina renters insurance policy.
Coverage F - pays for medical expenses for minor injuries to others even if you were not at fault.
The policy normally includes limits of $1,000 per person.
Theft, Fire or Lightning, Windstorm or Hail, Explosions, Riots, Aircraft, Vehicles, Smoke,
Vandalism, Falling objects, Weight of ice, snow, or sleet, Accidental discharge or overflow of
water or steam, Sudden and accidental tearing apart, cracking, burning, or bulging, Freezing,
Sudden and accidental damage from artificially generated electrical current , Volcanic eruptions
(doesn't include earthquake or tremors)
Click on the link below to fill out a secure quote request form for an inexpensive South Carolina
Renters Insurance policy that will provide excellent insurance coverage at an affordable cost. Or
you can speak with one of our South Carolina Renters Insurance agent specialists toll free at
(800) 849-7475 to discuss the insurance policy features in more detail.
We are a Columbia, SC insurance agency offering affordable South Carolina renters insurance
policy coverage in the following towns, cities and counties in South Carolina: Chapin,
Arthurtown, Saluda Terrace, Sandwood, Arcadia Lakes, Cayce, Olympia, Forest Acres,
Dentsville, Eau Claire, West Columbia, Springdale, Denny Terrace, Belmont, St. Andrews,
Irmo, Oak Grove, Lexington, Galaxy, Bluff Estates, Hazelwood Acres, State Park, Haskell
Heights, Lincolnshire, Ballentine, Killian, Red Bank, South Congaree, Edmund, Gilbert, Summit,
Gaston, Hopkins, Capitol View, Horrel Hill, Fort Jackson, Pontiac, Elgin, Blythewood, Camden,
Richtex, Whitehall, White Rock, Sumter, Lugoff, Boykin, Rembert, Hagood, Horatio, Stateburg,
Borden, Wedgefield, Oswego, Gadsden, Fort Motte, St. Matthews, Swansea, Woodford,
Winnsboro, Pelion, Steedman, Samaria, Monetta, Batesburg-Leesville, Stoney Hill, Prosperity,
Newberry, Peak, Little Mountain, Slighs, Pomaria, Jenkinsville, Rion, Winnsboro Mills, Simpson,
Smallwood, Ridgeway, Orangeburg, Lexington County, Fairfield County, Calhoun County,
Sumter County, Kershaw County, Saluda County, and Richland County, SC. We can also offer
cheap South Carolina renters insurance coverage premiums throughout the Palmetto state,
including in Florence, Greenville, Spartanburg, Myrtle Beach, and Charleston, SC.
A South Carolina renters insurance policy covers "named perils" listed on your policy and usually
include the following:
**The information, pictures, and other content in this website about particular insurance services is only
provided for informational purposes. Any decisions regarding your insurance needs should be discussed
with a licensed insurance agent.
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Russell-Massey & Company, Inc.
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General Insurance
South Carolina Renters Insurance
800-849-7475 toll free
Serving South Carolina Since 1955
Russell-Massey & Co.
1320 Elmwood Avenue
Columbia, SC 29201
Richland County, SC
Toll Free: (800) 849-7475
Office: (803) 779-7854
Fax: (803) 799-6546
Russell-Massey & Co.
409 Lexington Avenue
Chapin, SC 29036
Lexington County, SC
Office: (803) 941-3650
Fax: (803) 941-3654
Richland County & Lexington County, SC