South Carolina homeowners insurance provides property damage coverage for your home. There are two primary policies for single family homes. The basic policy, called the HO-2 policy, covers damages caused by fire, smoke, vehicle damage, aircraft damage, water overflow from water heaters and air conditioners, theft, vandalism, explosions, and damages caused by riots. The broad HO-3 policy covers all those perils plus adds bodily injury liability protection to the policy. It is necessary to carry South Carolina home owners insurance if you have a mortgage.
South Carolina has felt the effects of major hurricane disasters. Strong thunderstorms, hailstorms, lightning damages, and many other perils can cause the rates in this state to increase. If you live in an area of South Carolina that might flood, you should consider purchasing additional flood insurance, as South Carolina homeowners insurance does not cover flood water damage. Homeowners can review their “exclusions” section of their policy to see what may or may not be covered by their homeowner’s insurance policy.
Our service gets you connected to the top homeowners insurance carriers in South Carolina and lets you choose the one that best fits your needs and budget. We have over 100 companies with agents represented in our network.
Because we work with so many carriers and brokers in all 50 states, we can make it easy to get multiple quotes for policies that can fit any special need or budget. Whether you need a standard home owners insurance policy, coverage for a luxury home, an umbrella policy, renters insurance, or coverage for a mobile or manufactured home, we can help. Additionally, we can help you find several types of specialty home owners coverage, including earthquake insurance, wind and flood protection, and coverage for high risk home owners.
Our process is fast, easy, and free! Simply enter your basic information into our online forms (your information will be kept safe on our secure servers). After you have completed our short online questionnaire, we will match you with local agents in your area who can provide additional quotes, answer any questions you may have about coverage, and assist you in every step of the buying process.