Can I Add a New Roommate to an Existing Renters Insurance Policy?

If you have never had a renters insurance policy before, you may have a plethora of questions about this type of insurance policy. Here at Benefit Insurance Services, serving Myrtle Beach, SC, we often hear questions about who can be added to the policy and when. If you are wondering if your roommates can be added to an existing renters insurance policy and when they can be added, here are the answers you are looking for. 

Can Roommates Be on a Renters Insurance Policy With You? 

Roommates can be on a renters insurance policy together. The roommates do not have to be related, they simply have to be sharing a space together, such as a condo, house or apartment. Many insurance companies require all people who are trying to get coverage together to be listed on a rental lease together. As such, you cannot simply add your boyfriend who sometimes sleeps over to your policy or a friend who is just crashing on the couch. 

Can You Add New Roommates to an Existing Renters Insurance Policy?

Roommates may come and go. One roommate may move out, and a different one may move in. If you are in the middle of a renters insurance policy, you may wonder if you can add or change the roommates on the policy. Insurance companies will allow you to add or remove covered individuals in the event of move-in and move-outs. 

You are able to have roommates on a renters insurance policy with you, and you are able to change the people listed on the policy when needed. Having a lease that lists the covered parties is important. If you are in the market for a new renters insurance policy in the greater Myrtle Beach, SC area, let Benefit Insurance Services help you. Call us now to learn more. 

How Much Renter’s Insurance Do You Really Need?

People who rent or lease a space to live in, should seriously consider purchasing renter’s insurance. It is a policy designed to cover contents that you own in the event of loss from a variety of threats. Most people know that renter’s insurance is a good idea, but exactly how much renter’s insurance is enough to provide adequate coverage?

Renter’s Insurance

Renter’s insurance is fairly simple and is usually offered for coverage in the amount of $100,000 unless otherwise specified. Anyone who has contents that exceed that amount of value should consider asking if there are additional coverage options available through their carrier. Additional insurance products may be necessary to cover high cost collections, jewlery, and art. In order to discover that amount that works for a specific situation, calculate the value of all large ticket items such as appliances and electronics. Make sure to keep receipts for these items, as well as photos to help expediate the claims process. 

Finding Reliable Renter’s Insurance

Anyone who is considering purchasing renter’s insurance should work with an established insurance agency with representatives and agents who know how their products work and can guide clients in the right direction when it comes to selecting the right coverage. Residents in and around the Myrtle Beach, SC area should check out Benefit Insurance Services to provide quality renter’s insurance products. Their agents can work closely with each client to help them understand terms and conditions and even help them file a claim. 

Anyone who is searching for renter’s insurance should call or stop by Benefit Insurance Services serving the residents of the Myrtle Beach, SC area, to discover options that can protect their belongings from a variety of potential incidents. 

Why Should You Purchase Renters Insurance

If you rent a home in South Carolina, you need to buy renters insurance to protect your property. Get the help of reliable insurance agencies such as Benefit Insurance Services. They will make our insurance shopping experience easier. The agents will help you find the most appropriate one depending on your needs. The following are some of the reasons you should purchase renters insurance.


Renters insurance protects your property from theft. If you have a valuable property such as electronics, furniture, jewelry, or pieces of art, it is a good idea to purchase sufficient renters insurance. Renters insurance will compensate you for the cost of replacing your property in Myrtle Beach, SC.

Liability Coverage

Renters insurance may protect you from liability claims. If, for example, your visitors get injured in your apartment, their medical costs may be high. Renters insurance may help you to pay for the costs of their medical bills. It may also compensate you if people lose or damage their property in your apartment under circumstances that may be considered your fault.

Water Damage

If you have plumbing problems and a pipe bursts while you are not home, the water may damage our valuable property. The cost of repairing your damaged property may be high. Your landlord’s insurance may cover the structures of your apartment but it does not cover damage to your property. Renters insurance compensates you for the cost of replacing or repairing your property.

Smoke Damage

If there is a fire close to your apartment, the smoke may damage your property. It may damage your clothes and other valuable property. Renters insurance may compensate you for the cost of repairing the property. It may also compensate you for the additional costs of living when your home is under repair.

Contact Benefit Insurance Services for your renter’s insurance needs in Myrtle Beach, SC.

What Every Renter Should Know about Renters Insurance

Renters insurance in Myrtle Beach, SC, may seem unnecessary if you live in a tiny apartment and don’t have much stuff. However, renters insurance from Benefit Insurance Services can provide you with important benefits and coverage you may not even know about.

Renters coverage can protect your belongings, even those outside the home. If your bike is stolen from outside or if your laptop is stolen from your car, your renter’s insurance will help pay.

If you are forced to relocate, you may be compensated as well. Many policies will provide coverage for additional living expenses if you have to find somewhere else to live, due to certain covered incidents. Coverage is typically limited based on the total amount for how much your personal property is insured.

If you think you don’t have enough valuable possessions to make renters insurance worth it, do a home inventory to determine how much coverage you need. Once you calculate how much it would cost to replace your possessions, you may think of renters insurance differently. Having a catalog of your belongings can help in the event of an emergency.

You can also get additional coverage for valuables. If you have one expensive thing in your home, such as an engagement ring or an expensive digital camera, then you add coverage to protect those items specifically.

Renters insurance not only protects your belongings, but it can also help protect you. If you have a guest that gets injured in your home and you are found to be liable, then your renter’s insurance can help pay for some of the medical bills so you aren’t stuck paying the whole thing. This also extends to injuries involving your pets, if the breed is covered under your policy. If you have kids that are accident-prone, you may also get some coverage if your kids throw a baseball through a neighbors window or your bathtub leaks into a downstairs unit.

Contact an agent at Benefit Insurance Services, serving Myrtle Beach, SC, to get a quote on renters insurance.


Is Condo Insurance the Same as Renter’s Insurance?

Condo living is the ideal choice for people who want the benefits of owning a home without the worry of maintaining a yard or other outside responsibilities. Benefit insurance services offers condo owners in the Myrtle Beach, SC area affordable insurance plans that can protect them from financial loss if their condo is broken into or damaged in any way. 

The Benefits of Condo Living

Condo living offers several benefits over renting. When you purchase a condo, you own your new home. The difference between owning a regular home and a condo is that anything outside the boundaries of your individual condo belongs to building’s owner. If something is damaged or breaks within your condo, you are responsible for taking care of the problem. If damage occurs outside of your condo, it’s the building owner’s responsibility.

Condo Vs Renter’s Insurance

Condo insurance differs from renter’s insurance simply because you own the inside of your home. A renter’s policy would only cover their belongings in the event of a break-in or other type of damage. A renter doesn’t own the interior of their apartment, therefore they aren’t responsible to pay for damages to the property that were caused by a natural disaster or third party. A condo policy will cover any damages to the property that are inside the condo. 

Residents who live in the Myrtle Beach, SC area are encouraged to call the agents of Benefits Insurance Services if they have any questions about condo insurance. If you are downsizing from a home to a condo, an agent can help you determine how much coverage you need for your new residence. Call and schedule an appointment today!

Renter’s Insurance: Luxury or Need?

Renter’s insurance has much to offer individuals who are renting a home or apartment. Renter’s insurance can save you a substantial amount of money by protecting personal goods from theft, damage or loss. Here are just a few of the many benefits you stand to gain from a renter’s insurance policy from Benefit Insurance Services in Myrtle Beach, SC. 

Personal Belongings

With renter’s insurance, you can recover the cost of repairing or replacing personal goods that have been stolen, damaged or lost due to flood, fire, vandalism or other covered peril. Renter’s insurance can cover such items as clothing, jewelry, electronics, furniture, home appliances, linens, dishes and more.

If you own a fair amount of goods, renter’s insurance should be a priority. Without insurance protection, you would have to pay for repairing or replacing personal goods on your own. Creating an inventory of your belongings will make it easier to file a claim when you have a need.


If a friend or relative has an accident while visiting your apartment, renter’s liability coverage will help pay for their medical care, relieving you of the responsibility of covering this expense on your own. The more visitors you have to your property, the greater the risk of accidents. Renter’s insurance will even cover medical treatment for dog bites if your pet gets out of control.

Temporary Dwelling

In the event of a disaster that forces you out of your apartment, renter’s insurance will help pay for the cost of the temporary dwelling such as a hotel, meals and living expenses until your apartment is repaired and you can return home.

The many benefits of renter’s insurance make it a worthwhile investment in protecting your assets. Learn more about coverage options and costs by contacting your Benefit Insurance Services agent in Myrtle Beach, SC.


How To Upgrade Your Kitchen In A Rental

Living in Surfside Beach can seem like a dream come true. When you live in a rental, you don’t have quite the same freedom as you would if you are a homeowner. However, there are quite a few ways to upgrade your kitchen if you don’t mind being a little creative.

Add Storage

Storage always seems to be limited in a rental. You can add shelving in a pantry as well as organizers inside the cabinets and drawers. You may also want to think about hanging your pots and pans – which can create a lot of room inside the cabinets where they had been.


Much can be done to improve the overall aesthetics of your kitchen, regardless of how much space you have. Get creative with such things as:

  • Peel and stick tiles for the floor and backsplash
  • Art on the walls to hide issues
  • Area rug in the kitchen
  • A fresh coat of paint for the walls
  • New lighting fixtures
  • Fruit in a bowl
  • Flowers in a vase

Just because you’re not going to live there forever doesn’t mean you can’t love where you live right now. Depending upon your rental, you can even think about changing the drawer pulls and cabinet handles and maybe even upgrading fixtures on the sink.

Talk to Your Landlord

Your landlord may be willing to do a few things. They may either allow you to do what you want or they may pay for some of the repairs and upgrades. Check the local laws as well, especially if there are major issues and your landlord doesn’t want to do anything for you.

Contact us at Benefit Insurance Services today to learn about what kind of renter’s insurance is available. We’re here to help you get a great policy in Surfside Beach.



3 Things to Know About Renters Insurance and Roommates

Sharing an apartment or house with a friend is a great way to save money and consolidate resources. However, it is important to make sure everyone has the right level of insurance coverage in case of a fire, theft, or other incident.

Here are three things to know about having a roommate and purchasing renters insurance.

#1: Having Separate Policies is a Good Idea

Most carriers do allow up to two non-related adults to be on a single policy. However, this isn’t always a good idea. If you have to file a claim for any reason, both of your names will be on the claims check together and you will have to both sign to cash it. In situations where roommate relationships suddenly go rocky, this can be a huge problem. In addition, things can get messy if one roommate moves out or has a large liability claim. Thus, having separate policies is wise.

#2: Damage by a Roommate is Usually Not Covered

When discussing renters insurance and roommates, it is important to note that intentional damage by the person you live with is usually not covered under the policy. This means that if the two of you have a falling out and your crazy roommate decides to destroy or steal your stuff, your renters insurance policy will most likely not cover the cost of replacement.

#3: Many Landlords Require Coverage

Another thing to remember is that many landlords require coverage for anyone on the lease. This means that both you and your roommate could have to show proof of an in-force renters insurance policy before moving into your new place.

Learn more about renters and other policy types by speaking with our knowledgeable team at Benefit Insurance Services.

We Can Help You Insure the Items in Your Surfside Beach, SC Apartment

If you rent a place in Surfside Beach, SC, we at Benefit Insurance Services can help you protect your belongings with renters insurance. Our independent insurance agents have helped many residents in South Carolina, and they’re ready to assist you. If you’ve never purchased renters insurance, the entire process takes only a short while. Here’s how we can help you quickly find a policy.

Considering Personal Property Coverage

Personal property coverage isn’t the only coverage that’s available through renters insurance policies, but it’s one of the most significant ones. Personal property coverage is meant to protect the things you own. Specific protections vary, but it’s meant to cover everything from your inexpensive belongings, like your toiletries, to your valuable possessions, such as your electronics.

Looking at Renters Insurance Policies

At Benefit Insurance Services, we can help you look at renters insurance policies that include personal property coverage. When helping you shop around for a policy, our agents will discuss how much coverage you want, which should be determined by the value of your possessions. They’ll then get quotes for policies that include that amount of protection.

Our independent insurance agents work for us, rather than an insurer, which gives them the freedom to look at policies from every insurer in South Carolina. In just a few moments of research, they can show you several different policies that include the personal property coverage you need. You, of course, will be able to decide which policy you’d like to purchase.

To reach one of our insurance agents, simply send us an email. You can reach us through our website. One of our independent insurance agents will respond to your inquiry quickly.