Did you know that your valuables might not be covered by your landlord’s or homeowner’s association policy in the event of theft or damage? If you are renting an apartment, home, or condo, you can protect your family with Driver’s Choice.

2. PROTECT YOUR APARTMENT, CONDO, OR
RENTAL HOUSE WITH RENTERS INSURANCE
Did you know that your valuables might not be covered by your landlord’s or
homeowner’s association policy in the event of theft or damage? If you are renting
an apartment, home, or condo, you can protect your family with Driver’s Choice.
Whether you’re renting a house near Mount Pleasant, an apartment in Greenville
or a vacation rental on Hilton Head Island, our team of local insurance experts has
decades of experience and have helped thousands of renters to find the best
policies at the lowest rates. Renter’s insurance can protect your personal property
against fire, theft and vandalism, as well as from personal liability lawsuits.
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3. Like homeowners insurance, renters
insurance protects you from unexpected
incidents that anyone can face: fire, theft,
water damage and other unplanned
circumstances – events your landlord’s policy
won’t cover. For example, you’re at work or
on a family vacation, and when you return
home, you find your building has been
destroyed by a gas explosion. Building fires,
floods, and other damage can happen
anytime, anywhere.
What is Renters
Insurance?
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4. Renters insurance typically provides coverage,
up to the limits you select, for specified items
and situations, including:
• Personal property (furniture, electronics, computer equipment, clothing, etc.).
• Personal liability if someone is hurt, whether in your home or away from it.
• Damage to your apartment or home caused by a covered loss.
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5. Renters insurance will protect you from
incidents that happen while you’re at home,
too, such as a toaster having a meltdown or if
someone trips and falls in your apartment,
leading to expensive medical bills or even a
lawsuit; your renter’s insurance policy would
provide you with coverage. Renters insurance
provides coverage for your own items, and it
provides coverage for other people’s injuries
or damages in situations for which you’re
liable, as well. Protect your family and your
possessions with the best renters insurance
from Driver’s Choice.
Renters Insurance Covers
More Than Property,
Possessions, and Belongings
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6. Renters Insurance Covers More Than
Property, Possessions, and Belongings
It could also be a financial lifesaver. Renters insurance helps to pay for a place to
stay if you can’t live in your apartment by damage from something like a hurricane
or major repair — up to a point. Some policies place time limits on how long they’ll
cover expenses of staying in a new place, such as six months or a year, while others
put a cap on how much they’ll shell out.
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7. What does renters insurance cover?
In most cases, a landlord’s insurance only covers structural damage to the building
itself, not the possessions or liability of a tenant. So what is covered?
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8. Renters insurance policies typically cover the
following:
• Stereo systems, VCRs & TVs
• CDs, DVDs, videos & tapes
• Personal cameras
• Movable appliances, including microwave
• Furniture
• Sports equipment
• China and glassware
• Clothing
• Books
Personal Property
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9. Most policies protect your personal property
against losses caused by the following:
• Fire and smoke
• Vandalism
• Water damage (not including floods)
• Frozen water pipes
• Hail
• Windstorm
• Lightning
• Explosion
• Vehicles or aircraft
• Theft at residence
Natural Hazards
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10. What does renters insurance cover?
Some landlords require tenants to obtain a renter’s insurance policy. Whether your
landlord requires renters insurance or not, it’s a good idea to take an inventory of
your possessions and think about what it would cost you to replace them. For less
than the cost of a take-out meal a month, a renter’s insurance policy will give you
peace of mind.
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11. Our Renter’s Insurance is available to
members 24/7 by calling us at 877-
772-4642 or by purchasing online.
Call us today for a free renters
insurance quote.
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