How to Find the Best Home Insurance in South Carolina

Your home is a major investment, and the right home insurance policy can give you the reassurance of knowing your investment is protected. But finding the right policy can be tricky, especially if you’re a new homeowner or don’t often shop for insurance.

We’ve highlighted the essential details that will help you find the best home insurance in South Carolina that’s within your budget, too.

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The Average Cost of Home Insurance in South Carolina

The average cost of home insurance in South Carolina is $1,172 per year for $250,000 of dwelling coverage. That average state premium is $256 less than the national average home insurance premium of $1,428.

While the average cost of home insurance in South Carolina is lower than the national average premium, home insurance premiums in South Carolina can vary depending on the city in which you live. Factors like different population densities, home values, and crime rates in cities can impact your rates.

South Carolina City	Average Cost of Home Insurance Per Year
Clemson	$1,051
Campbello	$1,052
Cordova	$1,341
Nichols	$1,342
Hilton Head Island	$1,345

Your location is just one factor that impacts your home insurance costs. Other elements like your home’s value also affect what you’ll pay. Since rates can vary so much, getting a personalized quote is the best way to get an accurate idea of what your insurance policy will cost. You can get free home insurance quotes in South Carolina from ConsumerCoverage today to start exploring your options.

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Coverage Options for Home Insurance in South Carolina

As you shop for home insurance, it’s helpful to understand what a typical policy includes. In most cases, home insurance in South Carolina will include these coverages:

Dwelling coverage helps to protect structures like your roof, walls, and porch. It covers repairs or replacements if these structures are damaged in a covered event.
Other structures coverage helps to cover repairs or replacements to detached structures on your property, like a shed or barn.
Personal property coverage helps to cover the costs of repairing or replacing your personal belongings inside the home, including furniture or electronics.
Personal liability coverage helps protect you in case another person is injured on your property, or their personal property is damaged while on your property.
Medical payments coverage helps to pay for medical expenses that result if another person is injured while on your property.
Loss of use coverage helps to cover costs, like a rental property, that you might need to pay if your home is damaged and uninhabitable while it’s being repaired.

These types of coverages are a good starting place, but you might want to purchase additional optional insurance for more comprehensive protection.

Flood insurance: Much of South Carolina is at risk of flooding, and most standard home insurance policies don’t cover damage caused by floods. Even if you’re not in a flood zone, the low elevation of the state and the potential for hurricanes can increase the risk of flooding, so you may want to purchase specific flood insurance.
Valuable items coverage: Your personal property coverage will cover the replacement costs of your belongings up to a point, but the limit on this policy is often low. A valuable items policy will increase that limit, so you’re more likely to be able to replace expensive belongings, like jewelry, after a covered loss.

How to Save Home Insurance in South Carolina

You can save on home insurance in South Carolina by shopping around for discounts, like multi-policy discounts for insuring your home and vehicle through the same company. You might also choose a high deductible plan, which can help to reduce your monthly payments. Just make sure that you’ll be prepared to pay that higher deductible if you need to file a claim.

You can also find the best insurance policy at the best price by shopping around and comparing quotes. You can request a free homeowners insurance quote from ConsumerCoverage today to start shopping and saving.

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How to Find the Best Home Insurance in South Carolina

Table of Contents

The Average Cost of Home Insurance in South Carolina

Coverage Options for Home Insurance in South Carolina

How to Save Home Insurance in South Carolina