Best Homeowners Insurance in South Carolina
In order to compare the best homeowners insurance in South Carolina, we looked at coverage, exclusions, premiums, discounts and more.
Generally speaking, a person's biggest and most valuable asset is their home, and should therefore be protected. A good homeowners insurance must offer protection against both damage to the house itself, and also to posessions within. It should also provide liability coverage against accidents within the building or on the property. While most policies cover a variety of different scenarios in which loss might occur, some events are typically excluded from policies, namely: earthquakes, floods or other "acts of God" and acts of war.
Homeowners insurance becomes particularly vital when the home is in an area particularly prone to natural disasters. Such is the case of South Carolina, where the main issues affecting homeowners are its turbulent, inclement weather patterns. Tornadoes, hurricanes, and flooding are all fairly common problems in the state, and the increased risk forces homeowners to pay higher than average insurance premiums. Preparing for this sort of emergency is a way of life in South Carolina. Three of the most expensive hurricanes ever to hit the U.S., (Hugo in 1989, as well as Charley and Frances in 2004), happened to cause a significant amount of damage in South Carolina. 2015's historic storms and floods emphasized how paramount insurance can be, and in 2016, Hermine caused a power outage for more than 250,000 people, and caused more than $500 million in damages.
Taking into account the possible perils that afflict homes in South Carolina, homeowners should make sure that their insurance policies covers losses or damages to the dwelling and its contents, including those resulting from a hurricane, fire, lightning, windstorm, hail, explosion, smoke, vandalism, and theft. For homes in the mountains, frozen pipes during the winter can also be a problem.
Top 4 South Carolina Homeowners Insurance
ESurance makes shopping for a home insurance policy for homeowners or renters an easy, worry-free process. After filling out a simple questionnaire on their website, you can obtain a free quote within minutes, and obtain the coverage necessary to protect your house, valuables, and more. They offer multiple different discounts, and their claims are easy to file with their dedicated claims representatives. Depending on the type of policy you choose, coverage can extend to virtually every kind of natural disaster affecting South Carolina, as well as riots or civil commotions, falling objects, and the freezing of plumbing, heating, air conditioning, or other household systems. A standard policy, however, won't cover any flood or earthquake damage. Other exclusions can include water damage, mold or fungus, vermin, and wear and tear or deterioration.
Progressive offers home insurance policies for South Carolina residents that cover the dwelling, personal property, liability, medical payments, and loss of use if the damage is so severe that the home can't be lived in during repairs. Though their basic policies don't include hazards such as earthquakes or flood, separate riders can be purchased to provide coverage. Other additional, optional coverages are guaranteed replacement cost, inflation guard endorsement, increased limits on money and securities, theft and forgery, and finally, watercraft and secondary residence endorsement. In order to obtain all the coverage necessary for your home, whether you own or rent, be sure to discuss the fine print with your Progressive agent before finalizing any purchase.
For almost a hundred years, Liberty Mutual home insurance has understood the unique needs of South Carolina homeowners and renters, and thereby offers customized coverage for each one's specific situation. No matter in which part of the state you live, Liberty Mutual rewards responsible choices with home insurance discounts, as well as exclusive savings to members of various college alumni groups, employers and associations across the state, including the University of South Carolina and the South Carolina State Employees Association. Insuring your car in addition to your home can also help you qualify for a multi-policy discount.
Allstate specializes in providing high-quality homeowners insurance coverage, with policies that offer you more options and flexibility when you're choosing the limits, deductible and types of coverage you need. Standard plans include coverage for the dwelling itself, other structures like sheds or garages, personal property, liability protection, and guest medical protection. There are many additional types of optional coverage that can also be added on, such as water backup, sports equipment, green equipment reimbursement, and electronic data recovery, among others. Flood insurance is sold as a separate policy, just as is personal umbrella insurance.
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Comparing South Carolina Homeowners Insurance
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