Homeowners Insurance in South Carolina

Homeowners insurance shouldn't be complicated. Compare rates from South Carolina by location and carrier below.

Find cheap home insurance in South Carolina


Homeowners insurance isn't required, but it is important. A home insurance policy keeps your personal items protected. A homeowners insurance policy defends your house and property against a variety of misfortunes, including theft, fire, vandalism, or wind damage.

There are major differences in homeowners insurance rates from state to state. Home insurance policy rates in US states may vary based on the number and value of home insurance claims made in that particular state, and depend on the value of the belongings and dwelling you're insuring.

The best way to find a cheap homeowners insurance policy in South Carolina is to shop around and compare rates from as many homeowners insurance companies as you can. Learn average home insurance rates in South Carolina by referencing the below tables. Your rates may vary, depending on your coverage details.


South Carolina homeowners insurance:
  1. Rates by company
  2. Homeowners rates by city
  3. Bundling discounts


Homeowners insurance rates in South Carolina by insurer

Rates for homeowners insurance in South Carolina can vary depending on which insurer you select. Universal Insurance provides the most affordable home insurance in South Carolina — $843 per year. This compares favorably to the state average cost of $2,196, providing a $1,353 discount on the typical rates in the state.

Get a head start on looking for affordable homeowners coverage by viewing average rates from top South Carolina carriers, listed below.


HOMEOWNERS INSURANCE RATES IN SOUTH CAROLINA: BY CARRIER
InsurerAverage Annual Rate in South Carolina
Universal Insurance$843.43
Safeco$1,353.48
State Farm$1,458.54
AAA$1,460.19
United$1,744.67


South Carolina homeowners insurance by city

Homeowners insurance rates in South Carolina differ by city. Rates are determined based on on locally specific variables such as the number of local claims filed, giving your ZIP code weight in deciding how much you pay.

The cheapest home insurance in South Carolina is found in Greer. An average homeowners insurance policy in Greer costs just $1,441 per year — $755 less than the state average. Reference the below table to see the cheapest cities in South Carolina for home insurance.


CHEAPEST HOME INSURANCE CITIES IN SOUTH CAROLINA
CityAverage Yearly Home Insurance Rate
Greer$1,441.31
Spartanburg$1,449.53
Easley$1,453.19
Simpsonville$1,460.28
Taylors$1,471.58


South Carolina insurance bundling discounts: home + auto

If you're trying to save on insurance, consider holding your home and auto policies with the same insurance company. A home and auto insurance bundle in South Carolina can lead to substantial savings on auto insurance. Bundling policies in South Carolina leads to an average annual savings of $116.


HOME AND AUTO INSURANCE BUNDLING DISCOUNTS IN SOUTH CAROLINA
Avg. Yearly Auto Insurance Rate (No Bundle)Avg. Annual Auto Insurance Rate (Bundle)Annual Bundle SavingsBundle Savings %
$1,348.00$1,232.00$116.009%


One of the best ways to save on auto insurance is to bundle policies. Compare rates today!


Compare rates from top car insurance companies.

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Homeowners insurance and hurricanes in South Carolina

Since hurricanes can cause devastating destruction and wipe out buildings entirely, insurance companies remain reluctant to assume the full risk of hurricanes as a whole. If you reside in South Carolina, there could be an increased risk of experiencing damage from hurricanes. In fact, 35,934 single-family homes are at extreme risk of hurricane damage in South Carolina.*

If you own a home in a coastal area, it's of utmost importance to check and understand your homeowners policy since a basic policy won't be sufficient to cover the costs of repairing damage caused by hurricanes — you would need separate windstorm and flood policies, which would work together to cover repairs or replacements. Depending on your state, your insurance company may require a separate deductible for hurricanes if you live in a region that's at high risk for hurricanes.

*Source: Insurance Information Institute (https://www.iii.org/fact-statistic/facts-statistics-hurricanes)

 

Flood damage and home insurance inSouth Carolina

Flood damage— whether the byproduct of a rainstorm or a hurricane —is not covered by home insurance. To protect your home, acquire flood coverage from a private flood insurance company or through the National Flood Insurance Program (NFIP).

Flood insurance coverage from private companies may vary, but if you buy through the NFIP you are allotted coverage for:

  • $250,000 coverage for your home's structure
  • $100,000 coverage for your personal property

If the value of your property and home exceed these limits, consider purchasing a policy from a private company for additional protection.

Flood insurance is key in South Carolina,which suffered $139,809,990 in 2016 flood insurance claims, according to the Federal Emergency Management Agency.