Finding the Best Homeowners Insurance

in South Carolina

Facts about Homeowners Insurance in South Carolina

Homeowners insurance is required by lenders if you have a mortgage or take out a home equity loan. In an average year, South Carolina residents collect about $892 million in homeowners insurance claims. Make sure that you are sufficiently covered if a disaster like a fire or a hurricane causes damage to your house.

More South Carolina homeowners insurance facts

  • SC has the 9th highest burglary rate in the US
  • SC has had 28 federally declared disasters since 1953
  • South Carolina sees an average of 23.3 tornadoes/year
  • Hurricanes pose the biggest threat to area homes

Average Cost of Homeowners Insurance in South Carolina

On average American homeowners pay $1,173 a year for their home insurance policies. The average annual cost in South Carolina is $1,284. While costs may be a bit higher in this coastal state, it is a small price to pay for the peace-of-mind a reliable policy can bring you when disaster strikes.

Average Price for Homeowners Insurance

south carolina homeowners chart

What Makes Independent Agents in SC so Awesome?

  • Agents will simplify the process by shopping for you.
  • Their research finds the best companies that accurately fit your needs.
  • Agents compare their top picks to find what best fits your budget.

Find an Independent Agent in South Carolina

So I wanted to find somebody who would shop everything and not just one company and I found Trusted Choice. They found me a local agent, who I felt comfortable with. The interaction between the agent and I was very professional, no pressure, and there was unbiased information.

5 Stars Michael of Taylors, SC Review is obtained from Consumer Affairs

What Does Your Homeowners Policy Cover?

Your home insurance is designed to protect you from many of the hazards you are likely to face as a property owner in South Carolina. From hurricanes to burglaries to liability lawsuits, your homeowners insurance policy has you covered so you don’t need to worry about how a disaster will affect your finances.

  1. Covers the cost to rebuild, repair, or replace property:
    Hurricane-force winds rip off part of your roof and your bedroom furniture and clothes are destroyed
  2. Pays for someone else’s injuries or property damage when it’s your fault:
    Your dog escapes your fenced-in yard and bites a jogger who then needs stitches
  3. Pays for temporary living expenses if your house is damaged:  
    A house fire renders your house unlivable and you need to stay in a hotel while repairs are made
  4. Covers loss or damage due to property crimes:
    Your house is broken into and your jewelry and television are stolen

If you are concerned about floods in your area, or if you are in a flood zone, make sure to talk to your agent about flood insurance.

Top Insurance Companies that Support Independent Agents of South Carolina

There are currently 315 independent insurance agents in South Carolina who are ready to help. Did you know that independent insurance agents can give you multiple policy options to choose from? That way, you'll receive completely customized coverage that addresses all of your unique insurance needs.

Why go Independent

Why Go Independent when looking for Homeowners Insurance

  • The Best Agents
  • Insurance You Can Understand
  • Multiple Quotes