South Carolina Mobile Home Insurance

There are currently more than 355,000 occupied mobile homes in South Carolina and the number is continuously rising. In fact, South Carolina has more mobile homes per capita than any other state and they make up more than 20% of all the state’s housing units. One reason for their popularity is that they provide an affordable alternative to conventional homes. Another reason is that with South Carolina’s mild climate, these homes provide adequate shelter year-round.

If you own a mobile or modular home, it's a good idea to protect your investment with a solid South Carolina mobile home insurance policy. Independent insurance agents in our network can provide assistance when you are shopping for your policy. A local agent can help you determine your unique coverage needs and can then present you with a selection of competitively priced policies that meet those needs. Contact an agent to receive a variety of obligation-free South Carolina manufactured home insurance quotes.

Average Value of Mobile Homes in Major SC Cities

• Columbia: $43,023
• Charleston: $57,789
• Greenville: $39,231
• Spartanburg: $69,442
• Florence: $79,575
• Myrtle Beach: $45,803

Mobile homes can be found in nearly every ZIP code in South Carolina. Mobile homes and trailers are typically built in a factory, transported by truck and anchored to the ground. On the other hand, modular homes are created in sections in a factory, then the sections are transported to the home site, assembled with more typical building supplies, then attached to a foundation like a typical site-built home. Sometimes modular homes are classified by insurance companies the same way as traditional homes, for this reason.

Strong winds, heavy downpours, and hurricanes are not uncommon occurrences in South Carolina. These inclement weather events have the potential to cause serious damage to manufactured houses because they are typically built with lighter materials and because strong wind gusts can cause the anchoring mechanisms to loosen or break.

Hurricane Statistics for South Carolina

• South Carolina sees 1 hurricane make landfall every 7 years
• Between previous decades, 14 hurricanes hit along the SC coast
• The worst hurricane was in 1989 when Hugo hit Sullivan’s Island, SC
• Hurricane Hugo caused more than $7 billion in damages and took 49 lives

Another consideration that mobile homeowners must think about is the risk of fire. Although many people believe that mobile homes burn more easily than conventional homes, mobile homes built since 1976 and those upgraded to meet HUD standards are significantly safer than their earlier counterparts. Even with these safety standards in place, however, residents of mobile homes should be diligent when it comes to fire safety. Be sure that you have working smoke alarms and that fire extinguishers are located conveniently throughout the home. Families should have an evacuation plan and should use space heaters, candles and cigarettes cautiously.

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Average Cost of Property Loss in Residential Fires

• In South Carolina: $2,988
• Nationwide: $7,957

In the United States, the burglary rate is about 713 burglaries per 100,000 people. South Carolina’s burglary rate of 1003 burglaries per 100,000 residents greatly exceeds the national average. You can do your part by making sure that your doors are secured with deadbolts and that the locks on your windows are in proper working order, but safety precautions are not always enough to prevent your house from being robbed. If your home is robbed, you can take solace in the fact that your South Carolina mobile home insurance policy can provide compensation for property loss and damage.

Number of Burglaries per 100,000 Homes in Major SC Cities

• Columbia: 1301.9
• Charleston: 433.8
• Greenville: 1238.8
• Spartanburg: 1826.7
• Florence: 1432.5
• Myrtle Beach: 2151.3

Find Your Ideal South Carolina Mobile Home Insurance Policy

Contacting various insurance agencies can be time-consuming and frustrating. An agent can save you time by doing the comparison shopping for you. Your local agent can go beyond helping you find your mobile home insurance policy. If you would like, your agent can review your other insurance policies with you and try to find ways to help you save money. 

Find an agent in your area today to obtain competitively-priced South Carolina manufactured home insurance quotes.