Homeowners Insurance SC

Getting Home Insurance in South Carolina

Homeowners insurance SCSouth Carolina is known for its true southern charm. From beautiful beaches to the breathtaking foothills of the Blue Ridge Mountains, it’s a great place to visit – and an even better place to call home. The AARP® Homeowners Insurance Program from The Hartford1 offers homeowners insurance in SC that can keep your house – and everything inside it – protected.
 
Homeowners face risks all the time. Having the correct seguro de viviendas helps make sure your property is protected. Whether you’re looking for North Charleston or Myrtle Beach home insurance, The Hartford’s coverage can protect your home from financial loss wherever you live in South Carolina. The Hartford has the only home insurance program in South Carolina endorsed by AARP. We offer flexible options, savings and expert service.
 

Average Home Insurance Cost in South Carolina

According to the Insurance Information Institute (III), the average home insurance cost in South Carolina is $1,327, putting SC in the top 20 most expensive states for home insurance.2 Insurance rates vary from state to state, and many factors can determine your cost, including:
 
  • The total square footage of your home. The larger your home in South Carolina, the higher your insurance premium will be. 
  • How much it costs to build in South Carolina. Building costs are different all over and the costs in your area will contribute to your premiums. For instance, your home's construction type, materials and features may or may not raise your premium.
  • Where your home is located. The amount of insurance claims in the city you reside in, especially near your home, will affect the cost of your South Carolina insurance policy.
  • The likelihood of certain types of natural disasters, like tornadoes and hurricanes, occurring.

SC Homeowners Insurance Laws & Coverages

SC homeowners insurance lawsUnlike South Carolina car insurance, SC homeowners insurance laws don’t require any state minimum coverage. However, if your home is financed with a mortgage, your lender may require some type of homeowners insurance coverage.
 
At The Hartford, we offer different coverages for your unique property. We strive to provide the kind of coverage you need with our homeowners insurance.
 

SC Home Insurance Coverage Options

Cobertura por responsabilidad civil helps pay for your legal defense when a liability claim is held against you or for damages that you’re found liable for. For example, if your dog injures a guest on your property, this coverage can help pay for the bodily injury damages.
 
Dwelling Insurance Coverage helps pay for the repair or rebuilding of the physical structure of your home and the structures directly attached to it. This coverage can help protect the inside and outside of your home if it has property damage from a covered loss. Los ejemplos incluyen:
 
  • Calefacción
  • Aire acondicionado
  • Roof
  • Siding
  • Walls
  • Flooring
Cobertura de propiedad personal covers furniture, clothing and appliances in your home. You can purchase additional insurance coverage for valuable personal property, like jewelry or other rare collectible items. 
 
Other Structures Coverage helps protect other structures on your property from things like fire, vandalism and falling objects. This includes structures on your property that aren’t attached to your home, like garages, gazebos or swimming pools.
 

Additional South Carolina Homeowners Insurance Coverages

Myrtle Beach home insuranceLoss of Use Insurance helps pay your living expenses while your home is being repaired following a covered loss.
 
Medical Payments Coverage helps protect you if someone is injured on your property. This can help cover their medical costs, up to your policy limit, whether you are legally responsible for the incident or not.3
 
Valuable Items Blanket Coverage provides extra coverage for your jewelry, china, crystal, silverware, guns and more. Many homeowners insurance companies cap coverage for theft on jewelry at a $1,500 limit. With The Hartford’s Valuable Items Blanket Coverage, this can increase the limit up to $10,000 per item and extend coverage for lost items or damaged valuables.
 
Homeowners Equipment Breakdown Coverage helps protect against mechanical or electrical breakdowns in your home. This coverage helps protect items including:
 
  • Electrodomésticos
  • Furnaces
  • Air conditioning units
  • Lawn mowers
It also provides coverage if you want to make “green” upgrades. It pays up to 125% of your cost to replace any covered equipment with items that are similar, but more energy efficient or environmentally friendly. Keep in mind, this does not cover normal wear and tear.
 

South Carolina Home Insurance Discounts

There are many ways to save on your homeowners insurance in the Palmetto State. We offer several types of descuentos para seguro de viviendas to help lower your premiums.
 

Bundled Insurance Discount

If you already have a seguro para autos policy with The Hartford, bundling it with your homeowners insurance may be a good idea. That's because you can save up to 12% on auto insurance and up to 20% on homeowners insurance when you combinar el seguro coverage with The Hartford.** Our customers save an average of $813 a year after bundling their home and auto policies.**
 

Home Security Discount

At The Hartford, we want to reward you for taking the initiative to protect your home. That’s why installing devices such as monitored burglar alarms and fire sprinkler systems can help lower your insurance rates in South Carolina.
 

Get a Quote for Home Insurance in South Carolina

Insurance companies in South CarolinaFrom Rock Hill to Irmo and Walterboro to Mount Pleasant, our customer service representatives are here to answer your questions and help save you money. Speak with them at 888-413-8970 or get your home insurance quote en línea.
 

Common Questions About Homeowners Insurance in SC

Is Wind and Hail Insurance Required in SC?

There is no state minimum required by SC homeowners insurance laws, however your mortgage lender may require homeowners insurance that provides wind and hail coverage. The Hartford offers a range a coverages that will fit the unique needs of your property.
 

How Much is Hurricane Insurance in South Carolina?

Hurricanes are covered under most Homeowners policies. However, in some areas, wind and hurricane is coverage is excluded and must be purchased separately with the South Carolina Wind/Hail Association. Flood insurance is an optional coverage, but depending where you live, your mortgage provider may require it. This type of insurance can help protect your home if you have damage caused from flooding. Rates are determined by the Federal Government through the National Flood Insurance Program (NFIP). All insurance companies in South Carolina authorized to write Federal Flood insurance will use the same rates to calculate your coverage cost based on the risks associated with your location and the specifics of your home.
 

How Much Does Home Insurance Cost in North Charleston, SC?

Home insurance North Charleston SCThere are many factors that go into determining the cost of your home insurance in North Charleston, SC. Factors include the size of your home and the type of materials used to build it, as well as where your home is located.
 
Wherever your live in South Carolina, the AARP Homeowners Insurance Program from The Hartford can help protect your home. Reciba una cotización for home insurance today from The Hartford.
 
 
Última actualización: 3 de abril de 2024
 
2 Insurance Information Institute (III), “Facts + Statistics: Homeowners and Renters Insurance”
 
3 Medical benefits are calculated on the basis of usual, customary, and reasonable charges.
** Los montos de ahorro promedio se basan en información comunicada por los clientes que se cambiaron a The Hartford desde otras compañías entre 9/1/22 y 8/31/23. Su ahorro puede variar. El ahorro promedio en el seguro para automóviles es de $577 y el ahorro promedio en el seguro de viviendas es de $236. Las diferencias de tarifas entre los afiliados y los no afiliados de AARP varían según el estado y la antigüedad de los afiliados de AARP. El descuento para auto y vivienda está disponible solo para asegurados que tengan tanto su seguro para auto y vivienda (o condominios y arrendatarios) por medio de los programas de seguros para autos y de viviendas AARP de The Hartford. .The Hartford no suscribe nuevos negocios en todas las áreas, incluidos los estados de CA y FL.
 
§ La disponibilidad del beneficio RecoverCare y los niveles del beneficio varían según el estado. The Hartford RecoverCare Advantage® es una marca registrada de The Hartford.
 
§§ Se aplican términos y condiciones.
 
‡ Se aplican términos y condiciones. La exención por accidente y la desaparición progresiva del deducible no están disponibles para asegurados de California.
 
‡‡ Se aplican términos y condiciones. La disponibilidad varía según el estado.
 
‡‡‡ Con base a un auto y conductor; la tarifa/prima/ahorros individuales variarán según las selecciones de cobertura reales y las características de los vehículos/conductores.
 
Divulgaciones adicionales a continuación.
Los resúmenes de las coberturas y las características de las pólizas son únicamente para fines informativos. En caso de que se produzca una pérdida, los términos y condiciones reales establecidos en su póliza determinarán su cobertura.
 
AARP y sus afiliadas no son aseguradoras. Endoso pagado. The Hartford paga regalías a AARP por el uso de su propiedad intelectual. Estos cargos se utilizan para los fines generales de AARP. En la mayoría de los estados, es necesario ser miembro de AARP para ser elegible para participar en el Programa.
 
El programa de seguros para automóviles de AARP de The Hartford está respaldado por Hartford Fire Insurance Company y sus afiliados, One Hartford Plaza, Hartford, CT 06155. Está avalado en AZ, MI y MN por Hartford Insurance Company of the Southeast; en CA por Hartford Underwriters Insurance Company; en WA por Hartford Casualty Insurance Company; en MA por Trumbull Insurance Company; y en PA por Nutmeg Insurance Company y Twin City Fire Insurance Company. El programa de seguros para viviendas de AARP de he Hartford está respaldado por Hartford Fire Insurance Company y sus afiliados, One Hartford Plaza, Hartford, CT 06155. Está subscrito en AZ, MI y MN por Hartford Insurance Company of the Southeast; en CA por Property and Casualty Insurance Company of Hartford; en WA por Trumbull Insurance Company; en MA por Trumbull Insurance Company, Sentinel Insurance Company, Hartford Insurance Company of the Midwest, y Hartford Accident and Indemnity Company; y en PA por Nutmeg Insurance Company. El producto para viviendas no está disponible en todas las áreas, entre las que se incluye el estado de Florida. Los ahorros, los beneficios y las coberturas disponibles pueden variar y es posible que algunos solicitantes no sean elegibles. El programa no está actualmente disponible en Canadá, ni en los territorios o posesiones de Estados Unidos.
 
1 En Texas, el programa para automóviles está respaldado por Redpoint County Mutual Insurance Company a través de Hartford of the Southeast General Agency, Inc. Hartford Fire Insurance Company y sus afiliados no son responsables financieramente por los productos de seguros suscritos y emitidos por Redpoint County Mutual Insurance Company. El programa para viviendas está respaldado por Hartford Insurance Company of the Southeast.
 
* Los comentarios de los clientes son recolectados y tabulados por The Hartford y no representan a todos los clientes.
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