How Much Does Renters Insurance Cost in Charleston, SC?
Charleston pricing is near the national average. Updated for 2026.
Based on local labor rates, varied climate conditions, and Charleston's diversified economy.See our methodology
Renters Insurance Pricing in Charleston, SC
Charleston offers near-average pricing for renters insurance, making it a reasonable market for this service. The local diversified economy supports a balanced labor pool, and the city's 150K population base ensures you can find multiple qualified providers to compare quotes.
Local climate plays a direct role in renters insurance costs here. Hot humid summers drive HVAC and pest control demand; hurricane risk in coastal areas.
Market-specific factors matter in Charleston: growing market with competitive contractor rates.
Charleston has moderate permitting requirements. Depending on the scope of your renters insurance project, you may need local permits. A licensed contractor will handle the permitting process as part of the job in most cases.
Charleston vs National Average
What Affects Renters Insurance Cost in Charleston?
Coverage
$20K personal property: $12-$20/mo. $50K: $18-$30/mo. $100K: $25-$45/mo
Location
Low-crime area: $10-$20/mo. High-crime urban: $20-$40/mo
Charleston Market Conditions
growing market with competitive contractor rates
Local Climate Impact
hot humid summers drive HVAC and pest control demand; hurricane risk in coastal areas
📐 Renters Insurance in Charleston Cost Calculator
Get a personalized estimate based on your project details
Compare Insurance Rates
See how much you could save with free quotes from top carriers.
Top-Rated Renters Insurance Pros in Charleston, SC
7 providersPremier HVAC Solutions
🏆 SPONSOREDServing Charleston and surrounding areas since 2011. Licensed, insured, and committed to quality workmanship at fair prices.
Reliable Electrical
⭐ PREMIUMServing Charleston and surrounding areas since 1995. Licensed, insured, and committed to quality workmanship at fair prices.
Reliable HVAC Solutions
Are You a Renters Insurance Professional?
Get listed on CostWhale and reach thousands of customers searching for renters insurance in Charleston, SC.
🔍 Compare Insurance Rates
See how much you could save. Compare quotes from top insurance companies in minutes.
* CostWhale may earn a commission. This doesn't affect our pricing data or recommendations.
Tips to Save on Renters Insurance in Charleston
- 1.Bundle with auto insurance for 10-20% discount
- 2.Raise your deductible to $1,000 to lower premiums
- 3.Most people overestimate coverage needs — inventory your belongings first
- 4.Security features (deadbolts, alarms) can earn discounts
📈 Renters Insurance in Charleston Cost Trends (2020–2024)
Prices have increased +20.0% over the last 5 years
| Year | National Avg | YoY Change |
|---|---|---|
| 2020 | $15 | — |
| 2021 | $16 | +6.7% |
| 2022 | $17 | +6.3% |
| 2023 | $17 | +0.0% |
| 2024 | $18 | +5.9% |
Based on national averages adjusted for annual inflation. Actual costs vary by location and project scope.
💬 What Did You Pay?
Real costs reported by homeowners for Renters Insurance in Charleston
Recent Reports
Frequently Asked Questions
Is renters insurance worth it?
At $15-25/month, it's one of the best insurance values. A single theft or fire could cost thousands to replace your belongings.
Why does renters insurance cost different in Charleston than other cities?
Charleston's costs reflect local labor rates driven by the diversified economy, varied climate conditions that affect materials and scheduling, and moderate permitting requirements. The balanced labor market also influences competitive pricing.
Renters Insurance Cost in Nearby Cities
Related Cost Guides for Charleston
Popular Services in Charleston
💰 Get Weekly Cost-Saving Tips
Join 10,000+ smart homeowners. Unsubscribe anytime.