Landlord insurance in Sumter, SC.
Whether you own one rental house in Sumter or a portfolio across South Carolina, we shop your properties across top-rated carriers like Progressive, Travelers, Nationwide, and Foremost. The right dwelling fire policy, priced right, with zero agency fees.
Protection built for rental property owners.
From a single-family rental to multi-family units and vacant properties, we insure the risks landlords actually face.
Dwelling coverage
Covers the structure itself against fire, wind, hail, vandalism, and other covered damage, so a bad storm never wipes out your investment.
Landlord liability
Protection if a tenant or visitor is injured on the property and you get sued, covering legal defense and judgments up to your limits.
Loss of rents
If a covered loss makes the property unlivable, this replaces the rental income you lose while repairs are underway.
Landlord's contents
Covers appliances, furnishings, and equipment you own at the property, like the stove, fridge, and washer in a furnished unit.
Vacant properties
Between tenants or mid-renovation, standard policies can leave gaps. We place vacant property coverage so an empty house stays protected.
Multi-family & portfolios
Duplexes, apartment buildings, and multi-property portfolios, with schedules that keep everything on one renewal you can actually manage.
What rental property owners should know.
Rental properties are insured on dwelling fire policies, not regular homeowners policies. The two most common are DP-1 and DP-3. A DP-1 is the bare-bones version: it covers a short list of named perils, often pays claims at depreciated value, and is mainly used for vacant or lower-value properties. A DP-3 is the one most landlords want. It covers the structure against any peril not specifically excluded, typically pays to rebuild at replacement cost, and can include loss of rents. If you converted your old home into a rental and never switched policies, that is a problem worth fixing this week, because homeowners policies are written for owner-occupants and a claim on a tenant-occupied house can be denied.
Two more habits protect your bottom line. First, make sure your policy includes loss of rents coverage, so a kitchen fire does not mean months of mortgage payments with no rent coming in. Second, require tenants to carry their own renters insurance. It costs them little, covers their belongings (your policy never does), and their liability coverage can pay first when their mistake, like a grease fire, damages your property.
- DP-3 policies with replacement cost and loss of rents
- Single-family, multi-family, vacant, and furnished rentals
- One agency for your whole portfolio, re-shopped at every renewal
- Local agents who answer calls and texts
Investor-friendly, always
We never charge agency fees, on one rental or twenty. The carriers pay us, so shopping your properties costs you nothing but a few minutes.
Quote my rentalThree steps. About 60 seconds to start.
Tell us about you
Send the form above or call or text 803-848-0089. No SSN required to get started.
We shop the market
We run your details across every relevant carrier we represent and bring you the strongest fits, side by side.
You pick. We bind it.
Most policies bind same-day. Then we re-shop your rate every year and help with claims when you need us.
Proudly serving Sumter, Columbia, Manning, Camden, Florence, Bishopville, Lugoff, Hartsville, Lexington, Greenville, Spartanburg, Myrtle Beach, and Charleston, plus all 46 South Carolina counties. See our full service area →
Landlord insurance questions, answered
Can't I just keep my homeowners policy on my rental house?
No, and this catches a lot of new landlords off guard. Homeowners policies are written for owner-occupied homes, and once a tenant moves in, a claim can be denied because the risk changed. Rentals belong on a dwelling fire policy built for landlords, which usually is not much more expensive.
What's the difference between a DP-1 and a DP-3 policy?
A DP-1 covers only a short list of named perils and often pays depreciated value, which is why it is mostly used for vacant or lower-value properties. A DP-3 covers any peril not specifically excluded and typically pays replacement cost to rebuild. For an occupied rental, a DP-3 is the coverage most landlords should carry.
Does landlord insurance cover my tenant's belongings?
No. Your policy covers the building and items you own at the property, like appliances, but never your tenant's furniture, electronics, or clothes. That is exactly why we recommend requiring tenants to carry renters insurance as a condition of the lease.
What is loss of rents coverage?
If a covered loss, like a fire or storm, makes your property unlivable, loss of rents coverage replaces the rental income you miss while repairs are made. Without it, you are paying the mortgage on an empty house out of pocket. We consider it a must-have for any income property.
Can you insure vacant properties or short-term rentals?
Yes. Vacant homes, properties under renovation, multi-family buildings, and furnished rentals all have carriers that want them, and we know which ones. Tell us how the property is used and we will place it correctly, so a claim never gets denied over occupancy.