Surfside Beach Homeowners Insurance

Find the Right Surfside Beach, SC Homeowners Insurance

Find the right homeowners insurance policy for you.

girl vacationing at the beach

Surfside Beach, SC earned its nickname as “The Family Beach” because of its small-town hospitality and laid back atmosphere. With over 2 miles of beaches and a variety of locally-owned boutiques and restaurants, Surfside Beach is the perfect place to buy a home and raise a family. This beautiful coastal community also makes a great place to retire or purchase an investment property. The only real downside to living in Surfside Beach is the unpredictable weather. 

With a high risk for hurricanes and coastal flooding, it’s important to make sure your home is secure with Surfside Beach homeowners insurance. Our independent insurance agents provide one-on-one assistance to homeowners in Surfside Beach who are searching for affordable home insurance. Our friendly agents can help you navigate the countless options and find an affordable home insurance plan to protect your property against South Carolina’s most grueling coastal threats.

  • National yearly premium average: $1,211
  • South Carolina yearly premium average: $1,269
  • 17th most expensive premium in the U.S.

Home insurance rates in South Carolina trend on the higher end of the national average. Our Independent Insurance Agents specialize in helping Surfside Beach families find affordable homeowners insurance and can provide you with multiple rate quotes to help you find the best deal. The size, location and age of your home are all factors that are considered when determining your individualized home insurance rate. If you have a swimming pool or live in a flood plain, you can expect your rates to be a little higher due to the higher risk.

Surfside Beach Second Home and Vacation Home Insurance

Surfside Beach is a popular place for investors to buy rental property due to the high rate of tourism. With beautiful beaches and easy access to Myrtle Beach amenities, Surfside makes a great place to buy a vacation home. Choosing the best home insurance for an investment property can be tricky, but our experienced independent insurance agents can guide you toward policies that are designed to protect second homes and vacation properties.

Number of Thefts in South Carolina

  • National number of burglaries per 1,000 homes: 3.76
  • South Carolina number of burglaries per 1,000 homes: 5.80

South Carolina’s high number of burglaries is alarming, but Surfside Beach is generally considered a safe place to live and work in. Local homeowners can prevent break-ins by locking their doors and installing updated security systems; however, the ultimate protection comes with a reliable Surfside Beach homeowners insurance policy. If you come home from the beach to find shattered glass and missing valuables, you can file a claim and receive compensation to replace your stolen goods and repair your broken doors or windows.


Save on Home Insurance

Our independent agents shop around to find you the best coverage.

Number of Disasters in South Carolina

  • Number of recorded disasters in South Carolina since 1953: 38
  • Number of tornadoes per year in South Carolina: 27
  • Most common reason for disaster: Hurricanes
  • Amount of property damage in South Carolina: $12,050,000
  • 1 in 15 insured homes has a claim each year

Due to its close proximity to the Atlantic Ocean, Surfside Beach has seen many natural disasters over the years. Tropical storms and hurricanes frequently bring wind damage and flooding. With property owners reporting over $12 million in property damage each year, you just can’t afford to skimp on insurance for your home.

What Are the Risks in Surfside Beach?

Surfside Beach is considered high risk for hurricanes, with 82 on record since 1930. These storms bring massive wind damage and often leave behind terrible flooding. In 1954, Hurricane Hazel destroyed close to one-third of all the coastal homes in this small town. Each time a new storm comes onshore, Surfside Beach gets slammed with torrential rainfall, damaging winds and even occasional tornadoes.

Compare Surfside Beach Home Insurance Quotes

It is overwhelming for homeowners to try to find insurance in Surfside Beach. Our independent agents are always available to help navigate the difficult process with you, saving your time and money. Our experienced agents will walk beside you as you choose the coverages that matter most and build a customized home insurance plan that will protect your property against the city’s most dangerous threats. Whether you’re shopping for insurance for your primary residence or a vacation home, our independent insurance agents can provide you with quotes on multiple policies and help you find a plan that works for your budget. 

Contact an agent today to learn more about Surfside Beach home insurance and to get your free customized quote.

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