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Call Us Now: The days of shopping for South Carolina homeowners insurance with multiple agents are over. Compare multiple quotes with our licensed homeowners insurance experts and find the best premium and the most comprehensive coverage available in South Carolina. Our top carriers are rated A+ with A.M. Best so you can rest assured knowing your home is protected by a leading company.
Homeowners insurance premiums in South Carolina were around $679.00 in September of 2011 when they increased from $676 in August. These rates reflect average premiums on new sold policies by HomeInsurance.com. A standard policy will cover the structure of the buildings on the property, the contents of the home, liability for the homeowner(s), medical payments and loss of use expenses.
Average Premiums for Home Insurance In South Carolina |
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| Sep 2011 | Aug 2011 | Jul 2011 | Jun 2011 | May 2011 |
| $679.00 | $676.00 | $666.00 | $648.00 | $633.00 |
Since rates have increased in recent months, it's important to continue to save money and find great coverage on your South Carolina homeowners insurance. Be sure to review your policy with a HomeInsurance.com agent regularly to ensure that you are qualifying for all available discounts. Also, check your policy to be sure you are still getting the coverage you need for your home and family.
Standard South Carolina Home Insurance Coverages
| A | Dwelling: A standard South Carolina homeowners insurance policy should include enough dwelling coverage to pay for the replacement or repair of your home when and if it is damaged in a covered peril |
| B | Other Structures: Other structures such as detached garages or sheds would also be covered under a standard South Carolina home insurance policy |
| C | Contents/Personal Property: A South Carolina home insurance policy will also typically provide coverage for the contents of your home including furniture, electronics, clothing and other personal belongings. |
| D | Loss of Use: If your South Carolina home is damaged in a covered peril, ‘Loss of Use’ coverage pays for alternative accommodations and living expenses while you are unable to live in your home. |
| E | Personal Liability Protection: In South Carolina, your standard homeowners insurance policy will typically provide financial protection in the event of a lawsuit where you have caused damage or bodily harm to another person or their personal property. |
| F | Medical Payments: Medical Payments coverage, or South Carolina MedPay, offers reimbursement for medical bills if someone other than you or a family member is injured on your property and a lawsuit is not involved. |
South Carolina Homeowners Insurance News
- Grants to protect South Carolina properties against hurricanesFriday, February 25, 2011
Other South Carolina Homeowners Resources:
- Home Insurance Quiz- How much do you know about your South Carolina home insurance policy? Quiz yourself!
- Homeowners Insurance Calculator- How much Dwelling Coverage do you need? See average dwelling costs in South Carolina
- South Carolina Home Inventory Checklist- Download and Print our home inventory checklist for free.
Search for home insurance in your South Carolina county:
- Abbeville
- Aiken
- Allendale
- Anderson
- Bamberg
- Barnwell
- Beaufort
- Berkeley
- Calhoun
- Charleston
- Cherokee
- Chester
- Chesterfield
- Clarendon
- Colleton
- Darlington
- Dillon
- Dorchester
- Edgefield
- Fairfield
- Florence
- Georgetown
- Greenville
- Greenwood
- Hampton
- Horry
- Jasper
- Kershaw
- Lancaster
- Laurens
- Lee
- Lexington
- Marion
- Marlboro
- Mccormick
- Newberry
- Oconee
- Orangeburg
- Pickens
- Richland
- Saluda
- Spartanburg
- Sumter
- Union
- Williamsburg
- York
Customer Reviews in South Carolina
For additional information about specific insurance laws in South Carolina, visit the South Carolina Department of Insurance website.
