How you're covered
South Carolina doesn't require home insurance by law, but if you finance your home, your lender may require you to have a homeowners insurance policy in place. Your policy's coverages are designed to safeguard your property and assets. A typical policy will include the following:
- Dwelling coverage protects your home's structure (roof, walls, etc.) as well as attached structures, like a porch.
- Other structures coverage protects detached structures, such as a fence or shed.
- Personal property coverage protects your personal belongings, including furniture, clothing, and electronics. Certain items, like jewelry, art, and collectibles, are often only covered up to a specific limit so you may want to purchase an endorsement to schedule these items on your policy at the coverage amount needed, also known as "adding a rider."
- Personal liability coverage protects you financially if you're legally responsible for another person's injuries or damage to their property.
- Medical payments to others pays for medical expenses due to a covered occurrence.
- Loss of use coverage helps cover costs associated with an increase in living expenses, up to your policy's limit, if you're unable to stay in your home while it's being repaired or rebuilt due to a covered loss.
Keep in mind coverage under your policy is subject to exclusions and conditions within your policy. It's important to read your policy to understand the coverage provided.
Common claims in South Carolina
Extreme weather is a fact of life in South Carolina. Its humid climate and coastal location make it vulnerable to a variety of severe weather events, including thunderstorms, tornadoes, and hurricanes.
Damage due to extreme weather is generally covered under a standard homeowners policy, but flooding isn't, even if it's the result of a severe storm. Learn more about obtaining a separate flood insurance policy.
According to the Insurance Information Institute, South Carolina is one of several states that have hurricane deductibles, which apply specifically to damage caused by hurricanes. A hurricane deductible may be based on a percentage of your home's value rather than a flat dollar amount, depending on your insurer and how close you are to the coast. Note that some insurance companies may have wind/hail deductibles instead of a hurricane deductible. Learn more about home insurance and severe weather.
Helping you save
Progressive offers several discounts to help you save on homeowners insurance policies. Some of the most common discounts include:
- Alarm System
- Quote in Advance
- New Purchase
See more about the home insurance discounts we offer.
How much is homeowners insurance in South Carolina?
Your cost for South Carolina homeowners insurance varies based on many components, including your location, type of home, and coverage limits. Learn more about factors affecting home insurance pricing.
Fast facts about homes in South Carolina
People have been calling South Carolina home for as long as 15,000 years, or perhaps even longer according to some archaeologists.
South Carolina's homeownership rate is 73.6% — considerably higher than the national average.
One of the state's most distinctive homes is the Sullivan Island "dome house," an unusual, round structure designed to better withstand hurricanes