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South Carolina Homeowners Insurance

Along the banks of Charleston and Myrtle Beach, up the state to Columbia and Rock Hill and the hilly regions of Clemson and Greenville, the Palmetto State is one of the most diverse and beautiful states on the east coast. One which homeowners are lucky to call their home. The state is also known for its intense hurricanes, tornadoes and lightning storms — each of which damage and destroy houses every year. That’s why having the right South Carolina homeowners insurance policy in place is pivotal to your protection.

You can get affordable homeowners insurance in South Carolina through Clovered’s online quoting engine in minutes. We’ve enlisted the help of the best homeowners insurance companies in South Carolina to provide homeowners across the state with sufficient coverage amounts at reasonable prices. With Clovered, home insurance just got a lot easier.
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What’s Covered With a South Carolina Homeowners Insurance Policy?

Coverage A – Dwelling

 
☘ This covers the actual structure of your home and the components that make it, such as the roof, siding, windows, countertops and flooring. Since it protects the actual home itself, the amount of Coverage A on your policy should be the equivalent, or slightly more, than your home’s value.

Coverage B – Other Structures

☘ Everything from a white picket fence to a shed — and even a treehouse — are considered other structures. The structures must be on the homeowner’s property, though, and is typically up to 10 percent of the policy’s dwelling limit.

Coverage C – Personal Belongings

☘ Coverage C is designed to protect the policyholder’s personal belongings that are kept within the home. For homeowners, this coverage can extend to items kept on the property, such as a lawnmower.

Coverage D – Loss of Use

 
☘ Arguably the most underrated part of every homeowners insurance policy, loss of use helps to pay for things like equivalent housing and extra everyday expenses if the policyholder’s home is unable to live in after being damaged or destroyed.

Coverage E – Personal Liability

☘ Protection against accidents that occur on the policyholder’s property, personal liability can provide money for medical bills and legal expenses for incidents when the policyholder is found liable. Coverage extends to incidents like dog bites, major injuries and accidental death.

Coverage F – Medical Payments

☘ Similar to personal liability, medical payments to others (also called MedPay) covers minor injuries that occur on the policyholder’s property — whether or not they’re found liable for the incident. Policies usually have between $1,000 and $5,000 worth of MedPay coverage.
What are the common covered perils

Which Perils Are Most Commonly Covered by Homeowners Insurance in South Carolina?

From hurricanes that rattle the coastline from Myrtle Beach to Charleston and from tornadoes to storms that ravage the state, having the proper South Carolina homeowners insurance policy in place could be the difference between having to pay out of your own pocket for repairs or having them covered by your home insurance policy.

☘ Vandalism
☘ Theft
☘ Damage caused by vehicles
☘ Damage caused by aircraft
☘ Rioting or civil disturbances
☘ Smoke damage
☘ Fire or lightning
☘ Windstorm or hail, such as a hurricane or tornado
☘ Explosions

☘ Volcanic eruptions
☘ Frozen pipes
☘ Falling objects
☘ Damage caused by heating, air conditioning or plumbing
☘ Damage due to snow, ice or sleet
☘ Damage from water heater, including cracks, burns or tears
☘ Damage from electrical currents, such as downed powerlines

How Much Is Homeowners Insurance in South Carolina?

Due to the many perils faced by the Palmetto State, the average cost of homeowners insurance in South Carolina is around $2,300 per year. That’s well above the national average of $1,100 per year, but given that hurricanes are rampant throughout the state, the average cost matches up to other states with deadly hurricane threats.

The average cost of homeowners insurance in South Carolina is just an average, though. Many factors could increase or decrease your premiums. Some of the biggest factors in determining prices are how much coverage you need, the value of your home and your claims history.

  • Average Cost of Homeowners Insurance in South Carolina: $2,300 per year

How to Get the Best Homeowners Insurance in South Carolina

Since we partner with reputable South Carolina homeowners insurance companies to get quotes, compare policies and provide prices, we’re able to sift through hundreds of South Carolina homeowners insurance policies to find the perfect one for each resident of the Palmetto State.

We’ve made getting a quote easy, painless-free and quick. You can get your new policy in minutes simply by inputting your address and answering a few questions about your property. After you’ve secured your new policy with Clovered, you’ll have access to our friendly licensed agents and representatives whenever you need them!
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