Home insurance • South Carolina • 2026
Home Insurance in South Carolina: Hurricanes, Wind Pool, and City Guides
South Carolina home insurance ranges from coastal hurricane coverage on the Grand Strand and in the Lowcountry to storm and tree damage in the Upstate. State law adds non-renewal protections that help homeowners after storms.
This guide covers South Carolina's home insurance rules, the coverage choices that matter most, and links to our local guides for 10 South Carolina cities. Compare quotes from several insurers on the same terms with one call.
Blake Insurance Group is an independent agency based in Tucson that serves South Carolina homeowners by phone and online. We do not have an office in South Carolina, and we compare options from the insurers we are appointed with for your exact address.
Get South Carolina home insurance quotes
Tell us your South Carolina address, your home's age, square footage, and roof, and the coverage you want, and a licensed agent will follow up with options available to us. Submitting the form does not bind coverage.
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Owning a home in South Carolina: what shapes your rate
Local conditions vary across South Carolina, but these risks come up statewide.
Hurricanes
Hurricanes bring wind damage across the state. Coastal policies often carry a percentage hurricane deductible, so compare that deductible and your dwelling limit, not just the premium.
Storm surge and flooding
Storm surge, tidal flooding, and heavy rain cause much of the coastal damage. Flood is excluded from home policies, and flood policies usually have a 30-day waiting period.
Historic and older homes
Historic and older homes can cost far more to rebuild, and historic district rules may require matching materials. Ordinance or law coverage helps pay for required upgrades.
Earthquakes
The Charleston area has a history of earthquakes, including the 1886 quake and the 2021 to 2022 Summerville swarm. Earthquake damage is excluded unless you add an endorsement.
Military families
Service members who PCS often rent out their homes. A landlord policy replaces homeowners coverage while tenants live there.
Coverage priorities for South Carolina homeowners
| Your situation | Coverage to review | Why it matters |
|---|---|---|
| Coastal homeowner | Compare hurricane deductibles | A percentage deductible can mean thousands out of pocket. |
| Any coastal or low-lying home | Flood quote | Home policies exclude flood. |
| Any homeowner | Dwelling at full rebuilding cost | Construction costs have risen. |
| Charleston-area homeowner | Earthquake endorsement quote | Home policies exclude earthquake. |
| Landlord or PCSing family | Landlord policy | Homeowners forms exclude most rentals. |
| Also insuring your cars | Home and auto bundle | Often the largest discount. |
Examples only, not recommendations. Coverage availability and terms vary by insurer.
South Carolina rules and market facts every homeowner should know
- No state mandate, but your lender requires it. South Carolina does not require homeowners insurance by law, but nearly every mortgage lender does.
- Non-renewal protections. Insurers must give at least 60 days' written notice with a specific reason before non-renewing a homeowners policy. Claims caused by acts of God, such as hurricanes, cannot be used to count claim frequency for non-renewal.
- Hurricane deductibles. Coastal policies often carry a separate hurricane or named storm deductible set as a percentage of your dwelling limit. Compare it carefully, not just the premium.
- The wind pool. If coastal homeowners cannot get wind and hail coverage in the regular market, the SC Wind and Hail Underwriting Association offers it within its coastal territory. We can pair a wind pool policy with a separate home policy.
- SC Safe Home grants. The SC Department of Insurance's SC Safe Home program offers grants to eligible coastal homeowners to strengthen roofs, windows, and doors against hurricanes. Applications open periodically, and mitigation features can also earn insurance discounts.
- Flood is excluded. Storm surge and flooding are not covered by home policies. See South Carolina flood insurance.
How to compare South Carolina quotes apples to apples
A cheaper quote is only cheaper if the coverage matches. Line up each quote using the same limits and deductibles.
| Coverage | What to match |
|---|---|
| Dwelling (Coverage A) | Same rebuild amount, based on replacement cost, not market value |
| Other structures and personal property | Same limits, and replacement cost (not actual cash value) for belongings |
| Loss of use | Same limit for living expenses if you cannot stay in the home |
| Personal liability and medical payments | Same limits, such as $300,000 liability |
| Deductibles | Same all-peril deductible and the same hurricane or wind deductible, which on the coast is often a percentage of the dwelling limit |
| Roof settlement | Replacement cost or actual cash value for the roof, and any roof age schedule |
| Endorsements | Water backup, extended replacement cost, ordinance or law, and scheduled jewelry |
South Carolina cities and ZIP codes we quote
We quote statewide in South Carolina, including Charleston, North Charleston, Mount Pleasant, Summerville, Myrtle Beach, Columbia, Greenville, Spartanburg, Rock Hill, and Sumter.
- 29401
- 29405
- 29464
- 29483
- 29572
- 29201
- 29601
- 29301
- 29730
- 29150
Insurers price by the exact address, the roof's age and material, the home's age and updates, and the cost to rebuild, so have those details ready for an accurate quote.
Discounts worth asking about in South Carolina
- Wind mitigation features, such as roof straps and impact-rated openings, where offered.
- Home and auto bundle, compared on the total of both policies.
- Protective devices, such as monitored alarms and water leak sensors.
- The basics. Home and auto bundle, claims-free, new or impact-resistant roof, monitored alarm, smart water shutoff, new home, paid-in-full, and paperless discounts, where the insurer offers them.
Discount names, amounts, and availability vary by insurer.
Non-renewed, an older roof, or prior claims? You still have options. Some insurers and specialty markets write harder-to-place homes. Call 888-387-3687 and we will shop it for you.
South Carolina home insurance FAQs
How does a percentage hurricane deductible work?
It is a percentage of your dwelling limit, not the damage. A 2% deductible on a $400,000 home means you pay the first $8,000 of a hurricane claim.
Does home insurance cover storm surge?
No. Storm surge and flooding are excluded from home policies. A separate flood policy covers it, usually after a 30-day waiting period.
Is earthquake damage covered?
Not under a standard home policy. An earthquake endorsement covers it, usually with a percentage deductible.
What is the SC wind pool?
The SC Wind and Hail Underwriting Association offers wind and hail coverage for coastal homes that cannot get it in the regular market. It is paired with a separate home policy.
Does South Carolina require homeowners insurance?
No state law requires it, but nearly every mortgage lender does. Most owners keep coverage even after the mortgage is paid off.
Can my insurer drop me for hurricane claims?
South Carolina law does not allow insurers to count act of God claims, such as hurricane damage, toward claim frequency when deciding whether to renew. Any non-renewal needs at least 60 days' notice and a specific reason.
My insurer non-renewed my South Carolina home. What are my options?
Compare other insurers through an independent agent right away. On the coast, wind coverage may come from the SC Wind and Hail Underwriting Association paired with a separate home policy.
South Carolina city guides and related pages
- Home insurance in Charleston, SC
- Home insurance in North Charleston, SC
- Home insurance in Mount Pleasant, SC
- Home insurance in Summerville, SC
- Home insurance in Myrtle Beach, SC
- Home insurance in Columbia, SC
- Home insurance in Greenville, SC
- Home insurance in Spartanburg, SC
- Home insurance in Rock Hill, SC
- Home insurance in Sumter, SC
- Top home insurance companies in South Carolina
- Flood insurance in South Carolina
- South Carolina landlord insurance
Important information
Compensation. Links in the partner quote box near the top of this page are sponsored, and Blake Insurance Group may be paid if you make a purchase. Sponsored placement does not affect the other information on this page.
Independent agency. Blake Insurance Group LLC is an independent insurance agency. Licensed insurance producer NPN 16944666. Licensed states: AZ, AL, TX, CA, NY, OH, FL, NC, VA, GA, OK, NM, IA, KS, MI, NE, SC, SD, WV, IL, NJ, PA, TN, and WA. Which insurance companies we can quote depends on our current appointments, the product, and your state.
Availability. Coverage, prices, discounts, and eligibility vary by insurer, state, and applicant, and are subject to underwriting. The issued policy controls. This page is general information, not legal advice.
Service area. Blake Insurance Group is based in Tucson and serves South Carolina clients by phone and online. We do not claim a physical office in South Carolina.
Your next step
Request a quote, and a licensed agent will compare options available to us for your South Carolina address.
