Apartment / Habitational Insurance

If you own a rental property – no matter how big or small – you probably need habitational insurance. This coverage addresses the unique risk exposures of property managers, both habitational and business-related.

Habitational insurance covers situations and costs that aren’t covered in your standard property coverage. In addition, you need this coverage as a landlord or owner. Furthermore, you are responsible not only for the building itself but for the tenants. In addition, any visitors they might have as well as any employees you hire to care for your rental property.

There are a few specific aspects any good habitational insurance policy should include. They are as follows:

  • Liability: This part of your policy will pay medical bills and legal fees should a visitor or your tenant become injured on your property.
  • Loss of Income: This will replace any loss of income caused by a covered occurrence.
  • Breakdown of Equipment: Many policies will include an equipment breakdown element. This protects your rental property’s physical equipment.
  • Theft and Vandalism: Although vandalism can be extremely pricey to repair, many landlords do not have it listed as part of their policy. Adding vandalism along with theft can protect your belongings, possessions as well as the building itself from damage or vandalism.
  • Storm, Fire and Wind Damage: This type of coverage will protect you if your property is destroyed or damaged by a storm, fire or wind. In addition to this storm coverage, you might also want to consider adding earthquake and/or flood coverage to your policy as well. This is especially true if you live in a high-risk area.

At The Hoylen Agency, we help landlords find comprehensive coverage for their properties, income, and assets with insurance solutions from the state’s leading commercial carriers. We keep your interests front and center, always working to protect your bottom line.

Call The Hoylen Agency today, any of our experienced, knowledgeable agents are ready to talk to you about specific coverage options to meet your needs. Just call (843) 665-2196, or stop by either of our locations.

Get an accurate apartment / habitational insurance quote today.



The Hoylen Agency is very awesome. They are always on time, they answer all my questions, each one of the employees is very nice and patient. I really enjoy talking to Staci and all the rest of the employees. They make me feel comfortable and I enjoy talking to them. Nationwide makes sure you are protected in every and way and like they say, they’re always on your side.

CindyFlorence, SC

My family depends on The Hoylen Agency for all of our insurance needs. All of the staff members are always friendly and willing to go the extra mile to ensure I am taken care of. I have known and done business with Billy Hoylen for many years and I have the utmost trust in him and his staff.

KennethFlorence, SC

My experience with The Hoylen Agency has been Great. The service they provide for me and my family has been Excellent and the staff is outstanding. They make me feel like Family. I would highly recommend their service to anyone. Thanks for all that they do!

RickyFlorence, SC

We purchased insurance from The Hoylen Agency several months ago and were pleased and impressed by the level of customer service we received there. Everyone was friendly and eager to help answer our questions. The agents were knowledgeable and helpful in making sure we had the coverage we needed. I would recommend them to anyone looking for insurance assistance.

TerryFlorence, SC

I have been a long term customer of the Hoylen agency. Approaching 30 years at this point. The customer service has been above and beyond my expectations from every aspect. From claims, billing issues everything has been treated to my complete satisfaction. It is rare to find any entity that offers this.

KyleFlorence, SC

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