SC home insurance covers your home and most of your belongings. Insurance providers will typically combine home insurance with liability insurance which pays for property damage and injuries caused by family members and pets. Property insurance will also cover temporary living expenses when a natural disaster requires you to live away from home.

SC homeowners insurance also covers most natural disasters like fire, hurricanes, hail and lightning. A standard homeowner’s insurance policy may specify other perils although earthquakes and floods will need to be insured by individual policies. Property insurance in South Carolina will not cover losses caused by poor maintenance.

Three key factors affect the cost of South Carolina homeowners insurance:

1. The specific location of the property can require additional insurance that is dictated by geography. For example, home insurance in South Carolina may need separate insurance against hurricanes.
2. The premium for house insurance. South Carolina policies frequently cost less when your home has an alarm system.
3. Property insurance in SC should allow you to replace detached structures in addition to rebuilding your house. These structures are typically covered up to a fixed percentage of the value of the house.

Action Steps
The best contacts and resources to help you get it done

Collect quotes for a variety of South Carolina homeowner insurance plans

Multiple quotes from different sources can be an effective method of identifying the general terms of these policies and the premiums you can expect to pay.

I recommend: Insurance.com finds quotes by zip code and represents the largest carriers of homeowners insurance. The search function at Respond allows you to specify a city within South Carolina.

Find SC home insurance brokers who represent major carriers

You may want to obtain South Carolina homeowners insurance through an agent who represents a major carrier in the state and can make a recommendation based on the specific requirements for house insurance. South Carolina agents will also handle much of the paperwork required by an insurance carrier.

I recommend: Liberty Mutual has the capability to locate agents in your area and is part of the top 20 property and casualty insurance groups in the United States. State Farm sells homeowner's insurance and provides a list of agents within a specified area.

Get a South Carolina home insurance policy from a local agent

You may wish to contact local independent South Carolina home insurance providers rather than dealing with different national insurers. Often, a local agent can write a more customized plan for you.

I recommend: The Sauls Insurance Agency provides property insurance in South Carolina, especially to high-risk customers. The Snyder Insurance Agency protects individuals throughout South Carolina with home, auto and life insurance.

Tips & Tactics

Helpful advice for making the most of this Guide

• •  Expensive items like furs, jewelry and silverware are typically only covered up to a fixed amount by South Carolina property insurance providers. A special property endorsement will be needed to replace these items if their value is not covered by the primary policy. These items will be covered if they are lost or stolen.