Homeowners Insurance

What Does Homeowners Insurance Cover In South Carolina?

Homeowners insurance has a wide variety of coverage options available depending on your situation. We help you find the right package and coverage options for you homeowners insurance policy. Insurance companies may differ greatly in their homeowners coverage packages so make sure to ask your agent if you have any questions.

Common Coverage Options

Dwelling: Coverage for damage to the physical structure of your home, including the roof, walls, and foundation.
Personal Property: Coverage for personal belongings, such as furniture, electronics, and clothing, that are damaged or destroyed by covered perils.
Liability: Coverage for legal fees, settlements, and damages if you are found legally responsible for injuries or property damage to others.
Medical Payments: Coverage for medical expenses for someone who is injured on your property, regardless of who is at fault.
Loss of Use: Coverage for additional living expenses if you are forced to leave your home due to a covered loss, such as a fire or flood.

Additionally, homeowners insurance policies in South Carolina may offer coverage for optional add-ons, such as:

Flood Insurance: Coverage for damage caused by floods, which is not covered under standard homeowners insurance.
Earthquake Insurance: Coverage for damage caused by earthquakes, which is not covered under standard homeowners insurance.
Personal Liability Umbrella: Additional liability coverage beyond the limits of your standard homeowners insurance policy.
Wind Coverage: For risks located close to the coast addition coverage may be needed to cover win and hail damage from named storms.

It's important to carefully review your homeowners insurance policy to understand what types of coverage are included and any limitations or exclusions that may apply. If you have any questions about your coverage or exclusions, it's always best to speak with one of our agents directly.

What Does Homeowners Insurance In South Carolina Not Cover?

While homeowners insurance policies in South Carolina can vary by provider and state, there are some common exclusions that you should be aware of. Here are some examples of what homeowners insurance in South Carolina typically does not cover:

Flood or Earthquake Damage: Standard homeowners insurance policies typically do not cover damage caused by floods or earthquakes. Additional insurance policies are needed for this type of coverage.
Wear and Tear: Homeowners insurance typically does not cover repairs or replacements needed due to normal wear and tear.
Intentional Acts: Damage caused intentionally, such as vandalism or arson, is not covered by homeowners insurance.
Business Activities: Homeowners insurance typically does not cover damages or injuries that occur while operating a business out of your home.
Nuclear Hazards: Damage caused by nuclear hazards is typically not covered by homeowners insurance.
Certain Breeds of Dogs: Some homeowners insurance policies may exclude coverage for certain breeds of dogs, such as pit bulls or rottweilers.

It's important to carefully review your homeowners insurance policy to understand what is and is not covered. If you have any questions about your coverage or exclusions, it's always best to speak with one of our agents.

Find The Best Rates For Your Homeowners Insurance Needs In South Carolina

What Do I Need To Get A Homeowners Insurance Quote In South Carolina?

Year of construction (year the home was built)
Home construction type (brick, siding, or a combination)
Home heated square footage
Roof Age
Age of plumbing, heating and air, and wiring (For homes older than 20 years)
Number of bedrooms
Number of Bathrooms (full and half)
Address of the home
Foundation type (crawlspace or slab)

Insurance Shopping Expert Tip: "In our experience the more accurate information you provide the better chance we have to shop your homeowners insurance rate and lock in a low price."

Why Should I Buy Homeowners Insurance In South Carolina?

Homeowners insurance in South Carolina is one of the most important things you can ever buy in your lifetime. You need to protect your home against all threats that could lead to financial ruin by insuring it for an amount that will allow you to repair or rebuild it in case it gets damaged or destroyed.

Your home is likely your biggest investment and you need to protect it against any unforeseen and unavoidable situations. On the outside, it is just a building, a piece of property made up of wood, brick, concrete and tile. But it is the physical center of your life that you have turned from a house into a home. Your family’s hope, dreams and aspirations all start in your home and the complete loss of a home is emotionally crippling. While home insurance cannot prevent the emotional damage from losing a home, it can make the rebuilding process possible and give you some hope. Not having your home insured means everything is gone without the possibility of replacing or rebuilding.

What Is Homeowners Insurance In South Carolina?

Home insurance in South Carolina protects you from total financial loss against disasters. The standard home policy will insure your home itself and the things you own in it. Homeowners insurance is commonly sold as a package policy meaning that not only is damage to your home or property covered but also covers liability for any injuries that occur on your property. Damage that is due to most natural disasters is covered under most policies but there are a few notable exceptions. Flood and earthquakes require their own separate, specific policies meaning you would need to purchase three separate policies to be adequately covered for all three. Most homeowners policies do not cover poor maintenance. Problems caused by lack up proper upkeep are the responsibility of the homeowner.

Why Do You Need Homeowners Insurance in South Carolina?

For most people, the biggest investment they will ever make is their home. If a fire, hurricane or some other disaster damaged or destroyed their home and they did not have insurance or adequate insurance, that entire investment would be completely gone in an instant.

Most disasters are impossible to see coming or predict. A fire could break out and burn your home down. A natural disaster could rip through your community. A Guest could injure themselves on your property. The number of terrible things that could happen that would leave you in financial ruin without homeowners insurance is almost limitless. But with homeowners insurance, you would have money to repair or rebuild your home or money to cover a roof contractor’s injuries while falling off the roof. Life would be able to go on and you would survive.

Most banks and lenders require a home insurance policy to cover the mortgaged property in case of disaster.