South Carolina Home Insurance can help you to protect your property against many of the risks you face as an owner. No matter if you live on the coast like Charleston or in a metropolis as busy as Columbia, it is important to have homeowners insurance for your family.
Homeowners Insurance in SC: Compare the best rates
Know what you're buying when you buy homeowners insurance. You need a policy to cover any damage or loss you may have in your home and its contents.
Allstate is the cheapest home insurance provider in South Carolina. USAA was second, Progressive third, State Farm fourth.
Many top companies offer additional discounts to help you reduce your premiums. You can get discounts for not having made any claims, for grouping policies with family members and paying on time.
Look for discounts if you are considering an auto-and-homeowners insurance policy with the same provider. You could even save more. Home and auto packages are very common in South Carolina. But you can get other discounts by shopping around.
Homeowners Insurance Costs in SC
Comparing quotes is important because homeowners insurance rates can differ significantly among companies. This will help you get the most affordable coverage available for your specific needs and budget.
Get the best rates on home insurance in SC
In South Carolina, you can get the cheapest homeowners' insurance by considering your location, your credit rating and the age of home. Insurance rates tend to be higher in areas where crime is higher.
Owners of dangerous dog breeds pay more than homeowners without. Some companies refuse to cover certain dog breeds because they are considered high-risk.
Your location in SC
South Carolina's proximity to the Atlantic Coast makes it susceptible to tropical storms, hurricanes, and flooding due to rain and melting ice. Flood coverage is not included in most homeowners' insurance policies if you live in a low lying area.
Choosing the Best Home Insurance in SC
Find a South Carolina insurance company that provides a fast quote process with a wide range of discounts. The company should be financially solid so that it can pay claims if anything goes wrong with your home.
Check to see if there are many customer reviews and a high financial rating. These ratings are provided by AM Best and Standard & Poor's.
Your deductible. The deductible affects the cost of your insurance, so increasing your deductible can help you save money.