Best Home Insurance in South Carolina (2023)

Compare personalized Home insurance rates in South Carolina

Home Insurance in South Carolina

There’s a great deal of importance that goes into buying homeowners insurance in South Carolina. Yet, many people only look for cheap homeowners insurance policies hoping that they meet South Carolina homeowners requirements. You don’t have to guess at this. The information here can give you more insight into what you can expect when buying coverage.

Home Insurance Companies in South Carolina

To get started, you first need to ensure the company you hire is reliable. To do that, look for top rated homeowners insurance companies in South Carolina with a proven record. Then, turn to each of the homeowners insurance agencies in South Carolina to determine what type of policy they can offer including coverage limits and deductibles. The top rated insurance companies in South Carolina also offer competitive rates through discounts. With this information, you can begin to compare options using the steps here or by working with independent home insurance agents in South Carolina.


How to Get the Best Rates for Home Insurance in South Carolina

To obtain coverage, you need to compare a number of companies for options. To do that, add your zip code to the box below for a list of companies in your area.


<zipcode>Find The Cheapest Home Insurance In Your Area:</zipcode>


How Much Does Homeowners Insurance Cost in South Carolina?

The average annual premium in South Carolina for the typical HO-3 policy is $1,285. That is slightly higher than the $1,173 that is the national average. Yet, the cheapest home insurance prices in South Carolina are even lower. Home insurance quotes in South Carolina will give you more insight into your specific options.


<twitter>The average annual premium in South Carolina for the typical HO-3 policy is $1,285. That is slightly higher than the $1,173 that is the national average.</twitter>


List of Homeowners Insurance Companies in South Carolina

To get quotes, it is important for you to compare policies thoroughly. Look at the details of the policies available after you add your zip code on this page.

How Homeowners Insurance Is Calculated in South Carolina

Insurance companies gather information about risks in various areas to determine costs. They assign a premium, or cost, to you based on how likely you are to file a claim. Here are some local factors that play a role in this.


<qa>1;Crime;Crime is a big concern and one of the reasons why home insurance costs more here. The property crime rate is 31.96 incidents out of 1,000 residents. That is well above the national average of 24 incidents for every 1,000 residents.</qa>

<qa>2;Weather/Climate;Another key factor is weather. Inland and coastal flooding can occur at any time. The area is also at a high risk for damage due to hurricanes and wildfires. Because of these risks, home insurance costs tend to be significantly higher here.</qa>

<qa>3;Home Values;One thing working in the area’s favor is the affordability of homes here. The median home value in the city is $165,800. That is just about the national average, making it more affordable.</qa>

Home Insurance Requirements in South Carolina

Most people have plenty of questions about home insurance requirements in South Carolina. If they are specific about your home be sure to ask the agent for more information. Here are some key questions many ask.

Is Homeowners Insurance Required in South Carolina?

Legally, you do not have to maintain any type of insurance on your property. Yet, if you have a mortgage loan on your property, you will need to have comprehensive insurance to protect the property itself.

What Does Home Insurance Cover?

Policies in South Carolina can range in coverage. Nearly all cover the structure from risks such as fire and theft. Most also cover possessions like this. And, all policies include liability insurance. Yet, most do not cover hurricane-related or flooding-related damage. For this, you may need to add on additional coverage.

Homeowners Insurance for New Properties in South Carolina

One of the best ways to reduce your costs for insurance on your new home is to invest in wind-resistant features such as roofing, siding, and windows that can handle hurricane-force winds. Let your agent know about this. It may help reduce your costs.

Homeowners Insurance for Old Properties in South Carolina

Because of the area’s risks, it is important for all property owners to maintain proper coverage on their home, even if you do not have a loan.

Renters Insurance in

As a renter, you need to protect your possessions and reduce your liability risks. This is what renter’s insurance can help you to do. Most policies are under $25 a month.


Keep in mind that renter’s insurance is not a legal requirement in the state. However, some property management companies and landlords add a provision into your rental agreement requiring you to obtain it.


<zipcode>Compare Renters Insurance in South Carolina</zipcode>


Compare Home Insurance in South Carolina by City

When buying the cheapest home insurance in South Carolina, be sure to learn as much as you can about what you are buying. Compare home insurance quotes from several providers to find the most affordability. Here are some factors that play a role in the cost of your coverage.


<qa>1;Home Insurance Quotes in Charleston, South Carolina;A big, beautiful city right on the water, Charleston is home to 134,875 people. It is an upscale, urban area with a significant amount of tourism. Home values here are higher at around $320,800.</qa>

<qa>2;Home Insurance Quotes in Columbia, South Carolina;With 133,114 people, Columbia is not far behind. It is in the center of the state providing ample access to many recreational amenities and a modern community. The median value of a home here is $134,000.</qa>

<qa>3;Home Insurance Quotes in North Charleston, South Carolina;North Charleston is home to 110,861 people. This community is growing and that’s impacting home values here. This community’s median home value is $170,900.</qa>

<qa>4;Home Insurance Quotes in Mount Pleasant, South Carolina;The city of Mount Pleasant is home to about 86,668 people. It’s a beautiful community with a high quality of life. Home values in Mouth Pleasant are significantly higher at $449,100.</qa>

<qa>5;Home Insurance Quotes in Rock Hill, South Carolina;Rock Hill is in the northern portion of the state. It’s home to 73,068 people and is also a growing community. Home values are a it more moderate at $171,200.</qa>


Bonus: Most Expensive Homes in South Carolina

No one wants to overspend on home insurance. Can you imagine the cost for insuring the most expensive homes in the state, then?

  • The most expensive home is on Kiawah Island, at 133 Flyway Drive. It’s valued at $20 million.
  • A home spanning 8,363 square feet with views of the Atlantic Ocean at 18 Broad Street in Charleston is valued at $16.5 million.
  • The historically charming home at 32 Legare Street in Charleston is valued at $16 million.