South Carolina Homeowners Insurance

Find the Best Homeowners Insurance Rates & Companies in South Carolina

The average cost of homeowners insurance in South Carolina this year is $1,172, which falls well below the national average of $1,428 annually. Residents in South Carolina are drawn to live there for many reasons, including the state's numerous beaches and alluring weather. Still, their properties are also at risk of hurricane damage and other threats. Homeowners insurance in SC is critical to help prevent potential losses due to many disasters, including vandalism, fire damage, wind damage, and more.

Fortunately, a South Carolina independent insurance agent can help you find all the home insurance you need. They'll get you equipped with the right policy. But first, here's a breakdown of South Carolina home insurance rates and more.

Best Homeowners Insurance Companies in South Carolina

Many carriers in South Carolina sell home insurance. But when you're looking for the best, you don't want to waste time searching through all the mediocre options. That's why we compiled a list of some of the best South Carolina home insurance companies for your convenience. Start by checking out these top-rated carriers.

• Allstate: Allstate sells coverage at a highly affordable rate, even lower than the state's average, with South Carolina home insurance policies that include $250,000 in dwelling coverage for about $901 annually. Allstate also provides many customizable options for home insurance, such as optional identity theft coverage, sports equipment coverage, and others. The carrier even provides many discounts to help further reduce your rates.
• Travelers: Policies with Travelers are a bit more expensive than with Allstate. Average policies cost $1,530 per year in South Carolina. The higher price may be worth it to some, considering that the carrier offers many endorsements, including green home endorsements and higher coverage limits available for valuable items. Travelers also provides many discounts to help reduce your policy costs, including smart home discounts and new home buyer discounts.
• Auto-Owners: Auto-Owners is another affordable home insurance company in South Carolina, with average policies for just $1,164 annually. The carrier even offers many discounts to help further reduce your costs. Auto-Owners also offers special optional coverage add-ons like home cyber protection, guaranteed replacement cost coverage, special personal property coverage, and water backup coverage.

A South Carolina independent insurance agent can help you find the right home insurance from an outstanding carrier near you.

Home Insurance Coverage Options in South Carolina

Several kinds of natural disasters often occur in South Carolina. The most common to strike South Carolina are tropical storms, hurricanes, severe storms, floods, and wildfires. It's critical to understand that having a basic home insurance policy won't be sufficient if a couple of these natural disasters occur and cause damage to your property.

Tropical storms and hurricanes

South Carolina gets hit by both tropical storms and hurricanes regularly. Unfortunately, a standard home insurance policy doesn't protect your home or personal property against damage or destruction caused by natural flooding incidents, such as from these storms. You'd need a separate flood insurance policy to accomplish that. The average cost of flood insurance in South Carolina is about $625 per year, making it still affordable for many residents.

Severe storms

South Carolina sees plenty of severe storms like thunderstorms each year. Your standard home insurance policy can protect against a few elements of these disasters. Standard home insurance includes protection from wind and hail damage and resulting fire damage after a lightning strike.

Floods

South Carolina, unfortunately, is also quite prone to flooding, particularly along the coast, due to frequent hurricanes and other tropical storms. Home insurance in South Carolina doesn't protect your home or personal property against natural flooding disasters. Be sure to get flood insurance to help protect your property.

Wildfires

South Carolina also suffers from wildfires on occasion. Fortunately, a standard home insurance policy provides protection for many types of fire damage, including that caused by wildfires.

Average Cost of Homeowners Insurance in South Carolina

South Carolina's home insurance rates are slightly lower than the current national average. While the U.S. average rate for home insurance is $1,428 annually, South Carolina's average is just $1,172 annually, or about $98 monthly. 

The lower cost of home insurance in South Carolina could be due to several factors, including lower crime rates or property values. A local independent insurance agent can help provide exact home insurance quotes in South Carolina that are specific to your area and coverage needs.

Average South Carolina Home Insurance Costs by City

Average homeowners insurance rates in South Carolina vary by city. So, the answer to "How much is homeowners insurance in SC?" can differ from one town to another. 

The cheapest home insurance in South Carolina is currently found in Laurens, at an average of just $709 annually. Here are some South Carolina cities and the average annual cost of home insurance in each.

How does your South Carolina city measure up to the national average?

South Carolina Average Property Crime Rate 25.88 per 1,000 Residents

South Carolina Average Home Value $287,618

South Carolina Average Home Insurance Cost $1,172 annually

City	Annual home insurance cost	Avg. home value	Burglaries / 1,000 homes
Aiken	$1,458	$193,856	7.98
Anderson	$1,140	$125,352	16.47
Beaufort	$1,738	$200,059	11.84
Bluffton	$1,675	$220,714	2.06
Camden	$1,176	$156,901	7.57
Charleston	$1,907	$297,700	2.7
Clemson	$1,660	$226,279	6.34
Clinton	$763	$90,965	10.86
Columbia	$1,249	$164,600	8.28
Conway	$1,231	$157,961	6.31
Easley	$1,156	$160,515	5.45
Fort Mill	$1,558	$226,661	1.55
Gaffney	$862	$109,745	9.07
Georgetown	$1,212	$129,250	11.63
Goose Creek	$1,370	$184,152	3.83
Greenville	$1,785	$266,400	7.67
Greenwood	$898	$106,474	11.79
Greer	$1,118	$161,007	3.53
Hanahan	$1,621	$205,843	4.57
Hilton Head Island	$2,575	$445,718	4.02
Irmo	$920	$129,613	5.07
Laurens	$709	$83,552	10.88
Mauldin	$1,151	$166,826	3.1
Mt. Pleasant	$2,498	$437,000	1.83
Myrtle Beach	$1,435	$187,951	2.12
Newberry	$713	$95,920	6.93
North Augusta	$1,209	$171,862	4.06
North Charleston	$1,140	$152,000	7.55
North Myrtle Beach	$2,146	$281,493	12.17
Orangeburg	$1,071	$133,616	10.59
Piedmont	$1,047	$153,900	2.69
Port Royal	$1,626	$207,144	4.38
Rock Hill	$1,101	$153,500	5.3
Seneca	$1,016	$140,516	5.78
Simpsonville	$1,147	$165,856	3.25
Spartanburg	$979	$119,890	10.98
Summerville	$1,370	$194,218	0.47
Surfside Beach	$2,121	$273,914	13.6
West Columbia	$1,016	$137,582	6.75

Popular Questions about Home Insurance in South Carolina

Average Cost of Home Insurance Near You