Hurricane Insurance (Charleston: apartments, for rent, home)

[moss015]

Do people who rent apartments in the Charleston have to pay hurricane insurance or is it just home owners who pay hurricane insurance? I am going to be renting an apartment so I am just wondering if I will simply pay for rent and utilities with no other strings attached.

[OleTomCat]

Actually you need what is called renter's insurance, it covers your stuff in the apartment not the apartment itself. If your stuff isn't worth much then it is a waste of money, but if you have that big flat panel tv, a hefty comuter and enough funiture to fill the Taj then you might want to think about it.

[PalmettoBug]

OleTomCat is right -- HOWEVER, one stipulation:
it is quite difficult to get renter's insurance in Charleston. Even though I own my home here, let me relate the fact that many, many companies won't even provide said insurance policies in the Lowcountry. I believe State Farm does, however -- it requires a huge upfront payment (in the 1k range) just to get the policy in force. I could be wrong about this, however....

[cape_fisherman]

Renter's insurance...seek it out if you have stuff worth anything.

There is no such thing as "Hurricane Insurance".

Flood insurance, yes. Wind & Hail insurance, yes. Hurricane Insurance, no.

[beth1104]

Originally Posted by PalmettoBug

OleTomCat is right -- HOWEVER, one stipulation:
it is quite difficult to get renter's insurance in Charleston. Even though I own my home here, let me relate the fact that many, many companies won't even provide said insurance policies in the Lowcountry. I believe State Farm does, however -- it requires a huge upfront payment (in the 1k range) just to get the policy in force. I could be wrong about this, however....

I had no trouble getting renter's insurance... I called GEICO and got it thru one of their companies. (I think it's thru "Travellers").