- 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.