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What type of insurance do you need?
The average American homeowner pays $1,173 per year for home insurance, but in South Carolina, the average annual premium is $1,284. Even though insurance is more expensive than average for homes in South Carolina, having insurance is vitally important because of the severe weather risks and other hazards faced by homeowners in this state.
Your home insurance gives you a backup plan in case a catastrophe strikes in your neighborhood. Whether it's a fire, heavy winds or a burglary, you're covered if you have a suitable South Carolina homeowners insurance policy.
Pays for repairs to your home and your belongings
Pays for someone else's injuries or property damage when it's your fault
Pays for temporary living expenses when your home is damaged
We can’t be 100% certain, but in 2016, insurance companies spent more than $891 million on home insurance claims in South Carolina. That's a lot of unfortunate events happening to South Carolina homeowners.
Insurance carriers calculate the cost of a home insurance policy by asking "how likely is it that something bad will happen?" The more likely it is that something bad will happen, the more expensive the home insurance policy will be, and vice versa. We call these potential disasters "risk." Let’s take a look at how risky South Carolina is compared to the rest of the US.
The burglary rate in South Carolina is significantly higher than the national average. Homeowners should take precautions to protect their property, and should ensure that they have the right coverage in place for all of their valuable belongings.
Hurricanes that make landfall on or near the South Carolina coast can cause a lot of difficulties for local homeowners. Heavy rains, strong winds, and occasional tornados can all wreak havoc on area property.
Yes! There are currently 315 independent insurance agents in South Carolina who are ready to help. Did you know that independent insurance agents can give you multiple policy options to choose from? That way, you'll receive completely customized coverage that addresses all of your unique insurance needs.
National average burglary rate 4.69 per 1,000 homes
National average home value $188,900
National average home insurance cost $1,173 year
|City||Annual insurance cost||Avg. home value||Burglaries / 1,000 homes|
|Hilton Head Island||$2,575||$445,718||4.02|
|North Myrtle Beach||$2,146||$281,493||12.17|