{"id":323390,"date":"2025-11-11T20:30:27","date_gmt":"2025-11-12T01:30:27","guid":{"rendered":"https:\/\/www.reviews.com\/?page_id=112540"},"modified":"2025-11-11T20:30:27","modified_gmt":"2025-11-12T01:30:27","slug":"best-in-south-carolina","status":"publish","type":"page","link":"https:\/\/www.reviews.com\/insurance\/homeowners\/best-in-south-carolina\/","title":{"rendered":"The Best Homeowners Insurance in South Carolina"},"content":{"rendered":"\n\n\n<p>South Carolina homeowners face elevated wind and flood exposure, especially along the coast. Insurers have tightened underwriting and raised rates in a broader <a href=\"https:\/\/www.iii.org\/article\/what-is-a-hard-market\">hard market<\/a>, driven by higher catastrophe losses and reinsurance costs. The U.S. recorded a record 28 billion-dollar weather and climate disasters in 2023, with a five-year average near 20 events per year \u2014 more than double the long-term average \u2014 underscoring growing severe-weather risk in the Southeast (<a href=\"https:\/\/www.ncei.noaa.gov\/access\/billions\/\">NOAA NCEI<\/a>). Even so, several strong, service-focused insurers remain available in the state.<\/p>\n\n\n\n<p>Our top picks \u2014 Allstate, Auto-Owners, Cincinnati Insurance, USAA (eligibility required), and State Farm \u2014 combine financial strength and service with broad availability. We weighed recent customer satisfaction insights from the <a href=\"https:\/\/www.jdpower.com\/press-releases\/2024-us-home-insurance-study\">J.D. Power U.S. Home Insurance Study<\/a>, current financial strength indicators (AM Best; accessed 2025), coverage options, and state-specific needs like hurricane\/wind deductibles and flood. South Carolina\u2019s strong building codes (IBHS \u201cRating the States\u201d score of 92\/100) and mitigation programs such as SC Safe Home can also influence premiums and insurability (<a href=\"https:\/\/ibhs.org\/public-policy\/rating-the-states\/\">IBHS<\/a>; <a href=\"https:\/\/doi.sc.gov\/605\/SC-Safe-Home\">SC Safe Home<\/a>).<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">The 5 Best Homeowners Insurance Companies in South Carolina<\/h2>\n\n\n            <span class=\"b-toc-anchor\" id=\"top-picks\" title=\"Our Top Picks\"><\/span>\n    \n\n\n<ul><li>Allstate<\/li><li>Auto-Owners<\/li><li>Cincinnati Insurance<\/li><li>USAA<\/li><li>State Farm<\/li><\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Compare South Carolina\u2019s top insurance companies<\/h2>\n\n\n\n<figure class=\"wp-block-table table table-striped table-bordered table--bordered-top table--rounded\"><table class=\"\"><tbody><tr><td>&nbsp;<\/td><td><strong>Average Annual Premium*&nbsp;<\/strong><\/td><td><a href=\"https:\/\/www.ambest.com\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\"><strong>AM Best Financial Strength Rating<\/strong><\/a><\/td><td><a href=\"https:\/\/www.jdpower.com\/press-releases\/2024-us-home-insurance-study\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\"><strong>J.D. Power Customer Satisfaction Rating**<\/strong><\/a><\/td><\/tr><tr><td>Allstate<\/td><td>$1,567<\/td><td>A+<\/td><td>See study<\/td><\/tr><tr><td>Auto-Owners<\/td><td>$1,479&nbsp;<\/td><td>A++<\/td><td>See study<\/td><\/tr><tr><td>Cincinnati Insurance<\/td><td>$1,618&nbsp;<\/td><td>A+<\/td><td>See study<\/td><\/tr><tr><td>USAA<\/td><td>$809<\/td><td>A++<\/td><td>See study (eligibility applies)<\/td><\/tr><tr><td>State Farm<\/td><td>$1,747&nbsp;<\/td><td>A++<\/td><td>See study<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><em>*Rates pulled from <a href=\"https:\/\/www.coverage.com\/\">Coverage.com<\/a>. AM Best ratings should be verified at quote time; State Farm publicly lists AM Best A++ (Superior) on its financial strength page (<a href=\"https:\/\/www.statefarm.com\/about-us\/company-overview\/company-profile\/financial-strength\">source<\/a>; accessed 2025). For other carriers, confirm current ratings via AM Best\u2019s guide above.<\/em><\/p>\n\n\n\n<p><em>**See the <a href=\"https:\/\/www.jdpower.com\/press-releases\/2024-us-home-insurance-study\">J.D. Power 2024 U.S. Home Insurance Study<\/a> for current satisfaction leaders; scores are reported on a 1,000-point scale.<\/em><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Best South Carolina Homeowners Insurance Companies<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">Allstate<\/h3>\n\n\n            <span class=\"b-toc-anchor\" id=\"discount-options\" title=\"Best Discount Options\"><\/span>\n    \n\n\n<p>Allstate combines a broad agent network with robust digital tools and numerous discounts. In coastal South Carolina, expect percentage hurricane or wind deductibles to apply (commonly 1%\u20135% of your dwelling limit) and roof-age underwriting to affect price; review these terms when comparing quotes (<a href=\"https:\/\/www.iii.org\/article\/hurricane-and-windstorm-deductibles\">Insurance Information Institute<\/a>).<\/p>\n\n\n                                                \n\n\n<section id=\"allstate\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">Allstate<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best Discount Options<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> Why we chose it<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                Allstate stands out for flexible bundling and a wide menu of discounts that can offset higher coastal risk pricing. In a hard market, strong digital self-service and education tools help policyholders manage wind\/hurricane deductibles (often 1%\u20135%) and documentation for mitigation credits (<a href=\"https:\/\/www.iii.org\/article\/what-is-a-hard-market\">III<\/a>; <a href=\"https:\/\/www.iii.org\/article\/hurricane-and-windstorm-deductibles\">III<\/a>).\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/d.agkn.com\/pixel\/2267\/?che=[cachebuster]&#038;col=345361,859480,11659822&#038;l1=https:\/\/www.allstate.com\/landingpages\/lsp\/Affiliate-home-desktop.html?CID=AFF-REV-HO-074205-200616&#038;campaign=444490000074205&#038;clickid={clickid}&#038;source={irpid}&#038;subsource={sharedid}&#038;IRCmpID={ircid}&#038;rvitemid=325257-20\" class=\"reviews-btn--primary\" rel=\"nofollow sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">4<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Reviews Score\n                                                    <span class=\"tooltip-content\">Score is based on company&#8217;s customer experience, financial stability, and coverage options.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A+<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">See study<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                Allstate stands out for flexible bundling and a wide menu of discounts that can offset higher coastal risk pricing. In a hard market, strong digital self-service and education tools help policyholders manage wind\/hurricane deductibles (often 1%\u20135%) and documentation for mitigation credits (<a href=\"https:\/\/www.iii.org\/article\/what-is-a-hard-market\">III<\/a>; <a href=\"https:\/\/www.iii.org\/article\/hurricane-and-windstorm-deductibles\">III<\/a>).\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Broad discount selection and strong digital tools<\/li>\n                            <li>Large agent network for local support<\/li>\n                            <li>Flexible endorsements (e.g., water backup, service line)<\/li>\n                            <li>Educational resources for storm readiness<\/li>\n                        <\/ul>\n\n                    <\/div>\n                    <div class=\"b-mini-review__pros-cons-list-wrapper\">\n                <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                    <li>Coastal wind\/named-storm deductibles can be 1%\u20135% of Coverage A (check trigger and terms)<\/li>\n                                    <li>Roof age\/condition may affect eligibility and price in SC coastal ZIP codes<\/li>\n                                    <li>Some valuables may require scheduling for full coverage<\/li>\n                                <\/ul>\n            <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">Discounts available<\/h4>\n                <div> <ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Early signing discount<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Hail- or impact-resistant roof discount<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Homebuyer discount<\/span><\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">Unique features<\/h4>\n                <div> <p><span style=\"font-weight: 400;\">Allstate\u2019s app and portal streamline quotes, billing, and claims. In wind-exposed areas, confirm your named-storm deductible percentage and whether your roof is covered at replacement cost or ACV (important in coastal markets). See background on hurricane deductibles from the <\/span><a href=\"https:\/\/www.iii.org\/article\/hurricane-and-windstorm-deductibles\">Insurance Information Institute<\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n\n<p><em>*See the <a href=\"https:\/\/www.jdpower.com\/press-releases\/2024-us-home-insurance-study\">J.D. Power 2024 U.S. Home Insurance Study<\/a> for current rankings and methodology.<\/em><\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Further Reading on Allstate:<\/h4>\n\n\n\n<ul><li><a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/allstate-review\/\">Allstate Homeowners Insurance Review<\/a><\/li><li><a href=\"https:\/\/www.reviews.com\/insurance\/renters\/allstate-review\/\">Allstate Renters Insurance Review<\/a><\/li><li><a href=\"https:\/\/www.reviews.com\/insurance\/car\/allstate-review\/\">Allstate Auto Insurance Review<\/a><\/li><\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Auto-Owners Insurance<\/h3>\n\n\n            <span class=\"b-toc-anchor\" id=\"claims-satisfaction\" title=\"Best Claims Satisfaction\"><\/span>\n    \n\n\n<p>Auto-Owners operates through independent agents and is frequently cited among satisfaction leaders in the <a href=\"https:\/\/www.jdpower.com\/press-releases\/2024-us-home-insurance-study\">J.D. Power study<\/a>. Expect traditional service with agent guidance, plus endorsements like water backup and service line that address today\u2019s most common gaps (<a href=\"https:\/\/www.iii.org\/article\/sewer-backup-coverage\">III: water\/sewer backup<\/a>; <a href=\"https:\/\/www.iii.org\/article\/service-line-coverage\">III: service line<\/a>).<\/p>\n\n\n                                                \n\n\n<section id=\"auto-owners\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">Auto-Owners<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best Claims Satisfaction<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> Why we chose it<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                Auto-Owners is a perennial high performer for customer experience in the J.D. Power study and maintains strong financial strength (AM Best examples for leading carriers are A to A++, accessed 2025). It also offers popular endorsements like water backup ($5k\u2013$25k typical limits) and service line ($10k\u2013$20k typical limits) that can be cost-effective in SC (<a href=\"https:\/\/www.iii.org\/article\/sewer-backup-coverage\">III<\/a>; <a href=\"https:\/\/www.iii.org\/article\/service-line-coverage\">III<\/a>).\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/quotes\/?rvitemid=337424-20\" class=\"reviews-btn--primary\" rel=\" sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">4<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Reviews Score\n                                                    <span class=\"tooltip-content\">Score is based on company&#8217;s customer experience, financial stability, and coverage options.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A++<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">See study<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                Auto-Owners is a perennial high performer for customer experience in the J.D. Power study and maintains strong financial strength (AM Best examples for leading carriers are A to A++, accessed 2025). It also offers popular endorsements like water backup ($5k\u2013$25k typical limits) and service line ($10k\u2013$20k typical limits) that can be cost-effective in SC (<a href=\"https:\/\/www.iii.org\/article\/sewer-backup-coverage\">III<\/a>; <a href=\"https:\/\/www.iii.org\/article\/service-line-coverage\">III<\/a>).\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Consistently strong satisfaction marks (see J.D. Power study)<\/li>\n                            <li>Financially strong (A-range AM Best typical among leading carriers)<\/li>\n                            <li>Useful add-ons: water backup, service line, equipment breakdown<\/li>\n                            <li>Agent-assisted policy design and claims<\/li>\n                        <\/ul>\n\n                    <\/div>\n                    <div class=\"b-mini-review__pros-cons-list-wrapper\">\n                <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                    <li>Limited online quoting; most shoppers work with an agent<\/li>\n                                    <li>Digital experience less robust than large direct writers<\/li>\n                                    <li>Underwriting appetite and coastal deductibles vary by ZIP code<\/li>\n                                <\/ul>\n            <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">Discounts available<\/h4>\n                <div> <ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Green discount<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Multi-policy discount<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Paid-in-full discount<\/span><\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">Unique features<\/h4>\n                <div> <p><span style=\"font-weight: 400;\">Auto-Owners offers Homeowners Plus and other endorsements that can address appliance leaks and food spoilage losses. Ask your agent about water backup, service line, and equipment breakdown coverage to close common gaps (<\/span><a href=\"https:\/\/www.iii.org\/article\/sewer-backup-coverage\">III<\/a><span style=\"font-weight: 400;\">).<\/span><\/p>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n\n<p><em>*See the <a href=\"https:\/\/www.jdpower.com\/press-releases\/2024-us-home-insurance-study\">J.D. Power 2024 U.S. Home Insurance Study<\/a> for current rankings and methodology.<\/em><\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Further Reading on Auto-Owners:<\/h4>\n\n\n\n<ul><li><a href=\"https:\/\/www.reviews.com\/insurance\/car\/auto-owners-review\/\">Auto-Owners Auto Insurance Review<\/a><\/li><\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Cincinnati Insurance Co.\u00a0<\/h3>\n\n\n            <span class=\"b-toc-anchor\" id=\"high-value-homes\" title=\"Best for High-Value Homes\"><\/span>\n    \n\n\n<p>Cincinnati Insurance serves a wide range of homes and is well-suited to higher-value properties needing broader limits and tailored scheduling. In SC\u2019s coastal zones, confirm wind coverage terms and consider pairing homeowners with a separate wind policy if needed; the South Carolina Wind and Hail Underwriting Association (SCWHUA) is the market of last resort for wind in designated coastal territories (<a href=\"https:\/\/www.scwind.com\">SCWHUA<\/a>).<\/p>\n\n\n                                                \n\n\n<section id=\"cincinnati-insurance\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">Cincinnati Insurance<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for High-Value Homes<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> Why we chose it<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                Cincinnati maintains strong financial strength (A-range AM Best among many established carriers; verify your policy\u2019s underwriting entity at purchase). For coastal properties or custom features, ask about extended replacement cost, higher contents limits, and scheduling valuables; coordinate wind and flood carefully in coastal ZIPs (<a href=\"https:\/\/www.scwind.com\">SCWHUA<\/a>; <a href=\"https:\/\/www.fema.gov\">FEMA Risk Rating 2.0<\/a>).\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/quotes\/?rvitemid=337952-20\" class=\"reviews-btn--primary\" rel=\" sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">4.3<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Reviews Score\n                                                    <span class=\"tooltip-content\">Score is based on company&#8217;s customer experience, financial stability, and coverage options.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A+<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">See study<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                Cincinnati maintains strong financial strength (A-range AM Best among many established carriers; verify your policy\u2019s underwriting entity at purchase). For coastal properties or custom features, ask about extended replacement cost, higher contents limits, and scheduling valuables; coordinate wind and flood carefully in coastal ZIPs (<a href=\"https:\/\/www.scwind.com\">SCWHUA<\/a>; <a href=\"https:\/\/www.fema.gov\">FEMA Risk Rating 2.0<\/a>).\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Strong option for higher-value homes and custom features<\/li>\n                            <li>Financially strong and agent-supported<\/li>\n                            <li>Flexible scheduling and higher limits<\/li>\n                            <li>Coastal coordination guidance for wind and flood<\/li>\n                        <\/ul>\n\n                    <\/div>\n                    <div class=\"b-mini-review__pros-cons-list-wrapper\">\n                <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                    <li>Premiums can be higher for coastal or complex risks<\/li>\n                                    <li>Online quotes\/claims limited; agent interaction expected<\/li>\n                                <\/ul>\n            <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">Discounts available<\/h4>\n                <div> <ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Bundle discounts<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Claims history discounts (varies)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Alarm\/security system discount<\/span><\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">Unique features<\/h4>\n                <div> <p><span style=\"font-weight: 400;\">For high-value homes, ask about extended replacement cost and code-upgrade (Ordinance or Law) coverage, which can be crucial with today\u2019s building-code requirements (<\/span><a href=\"https:\/\/www.iii.org\/article\/ordinance-or-law-coverage\">III<\/a><span style=\"font-weight: 400;\">).<\/span><\/p>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n\n<h3 class=\"wp-block-heading\">USAA<\/h3>\n\n\n            <span class=\"b-toc-anchor\" id=\"military-members\" title=\"Best for Military Members\"><\/span>\n    \n\n\n<p>USAA consistently earns top-tier satisfaction in J.D. Power\u2019s research (reported separately due to eligibility limits) and offers comprehensive coverage tailored to military life. Eligibility is limited to current and former military members and their families; within that community, USAA remains a strong option for price and service.<\/p>\n\n\n                                                \n\n\n<section id=\"usaa\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">USAA<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Military Members<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> Why we chose it<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                USAA regularly posts one of the highest overall satisfaction results in J.D. Power\u2019s homeowners research (reported separately due to membership rules). Policies are competitive on core coverages and offer military-friendly provisions; verify wind\/hurricane deductibles if you live near the coast (often 1%\u20135% of Coverage A in coastal states).\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.dpbolvw.net\/click-5941215-10998643?sid=r16491&#038;rvitemid=325264-20\" class=\"reviews-btn--primary\" rel=\"nofollow sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">4<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Reviews Score\n                                                    <span class=\"tooltip-content\">Score is based on company&#8217;s customer experience, financial stability, and coverage options.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A++<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">See study<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                USAA regularly posts one of the highest overall satisfaction results in J.D. Power\u2019s homeowners research (reported separately due to membership rules). Policies are competitive on core coverages and offer military-friendly provisions; verify wind\/hurricane deductibles if you live near the coast (often 1%\u20135% of Coverage A in coastal states).\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Consistently high satisfaction and strong claims support<\/li>\n                            <li>Policies tailored to military families<\/li>\n                            <li>Financial strength in the A++ range (verify at purchase)<\/li>\n                            <li>Competitive pricing for many eligible members<\/li>\n                        <\/ul>\n\n                    <\/div>\n                    <div class=\"b-mini-review__pros-cons-list-wrapper\">\n                <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                    <li>Eligibility restricted to the military community<\/li>\n                                    <li>Coastal wind deductibles and roof requirements can affect pricing<\/li>\n                                <\/ul>\n            <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">Discounts available<\/h4>\n                <div> <ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Claims-free discount (varies)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Home security system discount<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Bundle home and auto for added savings (eligibility required)<\/span><\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">Unique features<\/h4>\n                <div> <p><span style=\"font-weight: 400;\">USAA includes military-specific benefits (e.g., uniforms coverage for active duty) and strong disaster response support. Confirm hurricane or named-storm deductible details if you live near the coast (<\/span><a href=\"https:\/\/www.iii.org\/article\/hurricane-and-windstorm-deductibles\">III<\/a><span style=\"font-weight: 400;\">).<\/span><\/p>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n\n<p><em>*See the <a href=\"https:\/\/www.jdpower.com\/press-releases\/2024-us-home-insurance-study\">J.D. Power 2024 U.S. Home Insurance Study<\/a> for current rankings and methodology.<\/em><\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Further Reading on USAA:<\/h4>\n\n\n\n<ul><li><a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/usaa-review\/\">USAA Homeowners Insurance Review<\/a><\/li><li><a href=\"https:\/\/www.reviews.com\/insurance\/renters\/usaa-review\/\">USAA Renters Insurance Review<\/a><\/li><li><a href=\"https:\/\/www.reviews.com\/insurance\/car\/usaa-review\/\">USAA Auto Insurance Review<\/a><\/li><\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">State Farm<\/h3>\n\n\n            <span class=\"b-toc-anchor\" id=\"fast-claim-payments\" title=\"Best for Fast Claim Payments\"><\/span>\n    \n\n\n<p>State Farm offers competitive coverage, a deep agent network, and robust digital claims tools. The company reports AM Best A++ (Superior) on its financial strength page (<a href=\"https:\/\/www.statefarm.com\/about-us\/company-overview\/company-profile\/financial-strength\">State Farm financial strength<\/a>), and it continues to score well in customer satisfaction research like the <a href=\"https:\/\/www.jdpower.com\/press-releases\/2024-us-home-insurance-study\">J.D. Power 2024 study<\/a>. In coastal areas, review wind\/named-storm deductibles and roof coverage terms closely.<\/p>\n\n\n                                                \n\n\n<section id=\"state-farm\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">State Farm<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Fast Claim Payments<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> Why we chose it<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                State Farm combines top-tier financial strength (AM Best A++, per the company\u2019s public ratings page; accessed 2025) with broad distribution and solid satisfaction results in the latest J.D. Power homeowners study. Its digital tools simplify quoting and claims, while local agents help navigate SC-specific wind and flood considerations.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/quotes\/?rvitemid=331752-20\" class=\"reviews-btn--primary\" rel=\" sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">3.75<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Reviews Score\n                                                    <span class=\"tooltip-content\">Score is based on company&#8217;s customer experience, financial stability, and coverage options.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A++<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">See study<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                State Farm combines top-tier financial strength (AM Best A++, per the company\u2019s public ratings page; accessed 2025) with broad distribution and solid satisfaction results in the latest J.D. Power homeowners study. Its digital tools simplify quoting and claims, while local agents help navigate SC-specific wind and flood considerations.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Extensive agent network and strong digital tools<\/li>\n                            <li>AM Best A++ per company disclosures<\/li>\n                            <li>Reliable claims handling and educational resources<\/li>\n                            <li>Broad availability in South Carolina<\/li>\n                        <\/ul>\n\n                    <\/div>\n                    <div class=\"b-mini-review__pros-cons-list-wrapper\">\n                <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                    <li>Premiums can be higher in coastal ZIPs with wind exposure<\/li>\n                                    <li>Separate hurricane\/wind deductibles apply in many areas (1%\u20135%)<\/li>\n                                <\/ul>\n            <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">Discounts available<\/h4>\n                <div> <ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Fire, smoke, or burglar alarms discount<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Impact-resistant roof discount<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Multiple policy discount<\/span><\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">Unique features<\/h4>\n                <div> <p><span style=\"font-weight: 400;\">State Farm\u2019s website makes it easy to get a detailed quote and file claims. Pair homeowners with a separate wind policy if your home is in a coastal territory that excludes wind; coordinate with the SC Wind pool if needed (<\/span><a href=\"https:\/\/www.scwind.com\">SCWHUA<\/a><span style=\"font-weight: 400;\">).<\/span><\/p>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n\n<p><em>*See the <a href=\"https:\/\/www.jdpower.com\/press-releases\/2024-home-insurance-study\">J.D. Power 2024 Home Insurance Study<\/a> for current rankings and methodology.<\/em><\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Further Reading on State Farm:<\/h4>\n\n\n\n<ul><li><a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/state-farm-review\/\">State Farm Homeowners Insurance Review<\/a><\/li><li><a href=\"https:\/\/www.reviews.com\/insurance\/car\/geico-vs-state-farm\/\">Geico vs. State Farm<\/a><\/li><li><a href=\"https:\/\/www.reviews.com\/insurance\/car\/state-farm-review\/\">State Farm Auto Insurance Review<\/a><\/li><\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Average Cost of Homeowners Insurance in South Carolina<\/h2>\n\n\n            <span class=\"b-toc-anchor\" id=\"guide\" title=\"Guide to South Carolina Homeowners Insurance\"><\/span>\n    \n\n\n<p>No single, authoritative statewide \u201caverage premium\u201d is published by the South Carolina Department of Insurance or NAIC for homeowners policies. Prices vary widely by ZIP code, distance to the coast or floodplains, roof age\/condition, construction type, and the hurricane or wind deductible you choose. In coastal states like SC, special wind or hurricane deductibles commonly range from 1%\u20135% of the dwelling limit and materially affect your out-of-pocket costs and premium (<a href=\"https:\/\/www.iii.org\/article\/hurricane-and-windstorm-deductibles\">III<\/a>). Given current hard-market conditions and reinsurance pass-through, compare multiple quotes and confirm deductibles and roof settlement terms (<a href=\"https:\/\/www.iii.org\/article\/what-is-a-hard-market\">III<\/a>).<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Home Insurance Add-Ons That Will Further Protect You<\/h2>\n\n\n\n<p>Standard homeowners policies exclude overland flood \u2014 a key risk in SC from hurricanes, storm surge, and inland rainfall. Consider flood coverage through the NFIP (priced under <a href=\"https:\/\/www.fema.gov\">Risk Rating 2.0<\/a>) or private flood. FEMA notes that just one inch of water can cause up to $25,000 in damage (<a href=\"https:\/\/www.floodsmart.gov\">FloodSmart<\/a>). Also review: water\/sewer backup (commonly $5k\u2013$25k limits at modest cost), service line ($10k\u2013$20k typical limits), equipment breakdown (coverage for HVAC and home systems), and Ordinance or Law (code upgrades), which can be crucial given South Carolina\u2019s strong building codes and post-storm rebuild requirements (<a href=\"https:\/\/www.iii.org\/article\/sewer-backup-coverage\">III<\/a>; <a href=\"https:\/\/www.iii.org\/article\/service-line-coverage\">III<\/a>; <a href=\"https:\/\/www.iii.org\/article\/ordinance-or-law-coverage\">III<\/a>; <a href=\"https:\/\/ibhs.org\/public-policy\/rating-the-states\/\">IBHS 2024<\/a>). Understand your hurricane\/wind deductible percentage and trigger; these are commonly 1%\u20135% in coastal markets (<a href=\"https:\/\/www.iii.org\/article\/hurricane-and-windstorm-deductibles\">III<\/a>).<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">The Cheapest Homeowner Insurance Companies in South Carolina<\/h2>\n\n\n\n<figure class=\"wp-block-table table table-striped table-bordered table--bordered-top table--rounded\"><table class=\"\"><tbody><tr><td><strong>Selected insurers (not a market-share ranking)<\/strong><\/td><td><strong>Average Annual Premium for $200K Dwelling Coverage<\/strong><\/td><\/tr><tr><td>State Farm<\/td><td>Varies by ZIP, wind exposure, and deductibles<\/td><\/tr><tr><td>Allstate<\/td><td>Varies by ZIP, wind exposure, and deductibles<\/td><\/tr><tr><td>USAA (eligibility applies)<\/td><td>Varies by ZIP, wind exposure, and deductibles<\/td><\/tr><tr><td>Auto-Owners<\/td><td>Varies by ZIP, wind exposure, and deductibles<\/td><\/tr><tr><td>Cincinnati Insurance<\/td><td>Varies by ZIP, wind exposure, and deductibles<\/td><\/tr><tr><td>Travelers<\/td><td>Varies by ZIP, wind exposure, and deductibles<\/td><\/tr><tr><td>Progressive (ASI)<\/td><td>Varies by ZIP, wind exposure, and deductibles<\/td><\/tr><tr><td>Nationwide<\/td><td>Varies by ZIP, wind exposure, and deductibles<\/td><\/tr><tr><td>Liberty Mutual<\/td><td>Varies by ZIP, wind exposure, and deductibles<\/td><\/tr><tr><td>Farmers<\/td><td>Varies by ZIP, wind exposure, and deductibles<\/td><\/tr><tr><td>American Family<\/td><td>Varies by ZIP, wind exposure, and deductibles<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">Cost of Homeowners Insurance by Age of Home<\/h2>\n\n\n\n<figure class=\"wp-block-table table table-striped table-bordered table--bordered-top table--rounded\"><table class=\"\"><tbody><tr><td>Age of Home (years)<\/td><td>Indicative premium tendency (sources below)<\/td><\/tr><tr><td>5<\/td><td>Often lower vs. older homes due to newer codes and roofs; may qualify for mitigation credits (<a href=\"https:\/\/ibhs.org\/public-policy\/rating-the-states\/\">IBHS 2024<\/a>)<\/td><\/tr><tr><td>20<\/td><td>May trend higher as roofs age; confirm roof settlement (replacement cost vs. ACV) and any wind\/hail deductible<\/td><\/tr><tr><td>35<\/td><td>Older roofs and systems can increase price; consider water backup\/service line endorsements (<a href=\"https:\/\/www.iii.org\/article\/sewer-backup-coverage\">III<\/a>)<\/td><\/tr><tr><td>50<\/td><td>Expect stricter underwriting and potential code-upgrade needs; increase Ordinance or Law limits (<a href=\"https:\/\/www.iii.org\/article\/ordinance-or-law-coverage\">III<\/a>)<\/td><\/tr><tr><td>Average Across Ages<\/td><td>Highly property-specific; hurricane\/wind deductibles commonly 1%\u20135% in coastal markets (<a href=\"https:\/\/www.iii.org\/article\/hurricane-and-windstorm-deductibles\">III<\/a>)<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">Top 3 Cheapest Homeowners Insurance Companies in South Carolina<\/h2>\n\n\n\n<ul><li>There is no single \u201ccheapest\u201d insurer statewide. Prices hinge on wind\/flood exposure, roof age, construction, and your hurricane\/wind deductible selection (often 1%\u20135%) (<a href=\"https:\/\/www.iii.org\/article\/hurricane-and-windstorm-deductibles\">III<\/a>).<\/li><li>Quote multiple carriers and compare identical limits and deductibles; ask about mitigation credits (e.g., FORTIFIED roof) and SC Safe Home grants that can reduce losses and premiums (<a href=\"https:\/\/doi.sc.gov\/605\/SC-Safe-Home\">SC Safe Home<\/a>; <a href=\"https:\/\/ibhs.org\/public-policy\/rating-the-states\/\">IBHS<\/a>).<\/li><li>Layer coverage correctly near the coast: homeowners + wind (if excluded) via the state wind pool where necessary + flood (NFIP\/private) (<a href=\"https:\/\/www.scwind.com\">SCWHUA<\/a>; <a href=\"https:\/\/www.fema.gov\">FEMA<\/a>).<\/li><\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Top 3 Most Expensive Homeowners Insurance Companies in South Carolina<\/h2>\n\n\n\n<ul><li>\u201cMost expensive\u201d varies by property and ZIP code. Coastal, surge, and wind exposure \u2014 plus older roofs \u2014 often drive higher premiums and deductibles (<a href=\"https:\/\/www.iii.org\/article\/what-is-a-hard-market\">III<\/a>).<\/li><li>Premiums can change materially with named-storm\/hurricane deductible percentages; confirm triggers, per-event vs. annual application, and your out-of-pocket capacity (<a href=\"https:\/\/www.iii.org\/article\/hurricane-and-windstorm-deductibles\">III<\/a>).<\/li><li>Mitigation (roof upgrades, opening protection) and strong codes help reduce loss severity and may earn credits in SC (<a href=\"https:\/\/ibhs.org\/public-policy\/rating-the-states\/\">IBHS 2024<\/a>).<\/li><\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Helpful Resources for South Carolina Homeowners<\/h2>\n\n\n\n<p>The South Carolina Department of Insurance provides insurance advice in <a href=\"https:\/\/doi.sc.gov\/613\/Homeowners-Insurance\">easily digestible articles<\/a> and <a href=\"https:\/\/doi.sc.gov\">more thorough brochures<\/a>. While there, you can also look into the South Carolina Safe Home Mitigation Grant Program. If your home is on coastal property, these funds can help you with weatherproofing your home. The <a href=\"https:\/\/doi.sc.gov\">next grant cycle is in December 2021<\/a> page provides current application details when cycles open. You can sign up on the website to be notified when applications are open. Also review the state\u2019s <a href=\"https:\/\/doi.sc.gov\">2024 Hurricane Guide<\/a> for preparedness and insurance tips.<\/p>\n\n\n\n<p>The U.S. Department of Housing and Urban Development website also has a variety of resources for South Carolina homeowners. It can walk you through every step, whether you\u2019re just getting started or already maintaining a homestead.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Homeowners Insurance FAQ<\/h2>\n\n\n<div id=\"block_617c088495249\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">Is homeowners insurance required in South Carolina?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">The state doesn\u2019t require homeowners insurance, but if you have a mortgage your lender will. Even without a mortgage, coverage protects your dwelling, belongings, liability, and additional living expenses after a covered loss. In coastal areas, confirm any separate wind or hurricane deductible and consider pairing homeowners with flood insurance.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_617c08959524a\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">What is the cheapest homeowners insurance in South Carolina?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">There isn\u2019t one company that\u2019s cheapest for everyone. Premiums vary by ZIP code, wind and flood exposure, roof age, construction, and your deductible choices (coastal hurricane\/wind deductibles are often 1%\u20135% of Coverage A). Compare at least three quotes with identical limits and deductibles and ask about mitigation credits (e.g., FORTIFIED roof and SC Safe Home grants). See: <\/span><a href=\"https:\/\/www.iii.org\/article\/hurricane-and-windstorm-deductibles\">III deductible explainer<\/a><span style=\"font-weight: 400;\">; <\/span><a href=\"https:\/\/doi.sc.gov\/605\/SC-Safe-Home\">SC Safe Home<\/a><span style=\"font-weight: 400;\">; <\/span><a href=\"https:\/\/www.fema.gov\/flood-insurance\/risk-rating\">FEMA Risk Rating 2.0<\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n\n<h2 class=\"wp-block-heading\">Methodology<\/h2>\n\n\n            <span class=\"b-toc-anchor\" id=\"methodology\" title=\"Methodology\"><\/span>\n    \n\n\n<p>All rates are pulled from <a href=\"https:\/\/www.coverage.com\/\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">Coverage.com<\/a>. We evaluated companies using recent customer satisfaction insights from <a href=\"https:\/\/www.jdpower.com\/press-releases\/2024-us-home-insurance-study\">J.D. Power (2024)<\/a>, market context from the <a href=\"https:\/\/www.iii.org\/article\/what-is-a-hard-market\">Insurance Information Institute<\/a>, and financial strength indicators verified via <a href=\"https:\/\/www.ambest.com\">AM Best\u2019s rating guide<\/a> (accessed 2025). For market perspective, we also referenced NAIC market-share tables published by the Insurance Information Institute (<a href=\"https:\/\/www.iii.org\/fact-statistic\/facts-statistics-homeowners-and-renters-insurance\">III\/NAIC<\/a>). To compare home insurance companies across the board, we then calculated a Reviews.com score based on the following:<\/p>\n\n\n\n<ul><li><strong>Customer Ratings \u2014<\/strong> Customer ratings indicate satisfaction with pricing, service, and claims. We used the latest J.D. Power Homeowners Satisfaction findings.<\/li><li><strong>Coverage \u2014<\/strong> We compared base policy features and the breadth of add-ons (e.g., water backup, service line, equipment breakdown, flood options).<\/li><li><strong>Confidence \u2014<\/strong> We assessed financial strength using AM Best ratings guidance; many large carriers maintain A to A++ ratings, which signal strong claims-paying ability.<\/li><li><strong>Customer Experience \u2014<\/strong> We reviewed publicly available complaint trends and service indicators alongside satisfaction studies and state consumer resources.<\/li><\/ul>\n\n\n\n","protected":false},"excerpt":{"rendered":"<p>South Carolina homeowners face elevated wind and flood exposure, especially along the coast. Insurers have tightened underwriting and raised rates in a broader hard market, driven by higher catastrophe losses and reinsurance costs. The U.S. recorded a record 28 billion-dollar weather and climate disasters in 2023, with a five-year average near 20 events per year [&hellip;]<\/p>\n","protected":false},"author":345,"featured_media":355301,"parent":1691,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"page-templates\/template-refresh.php","meta":[],"categories":[1268],"tags":[],"post_author":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>The Best Homeowners Insurance in South Carolina | Reviews.com<\/title>\n<meta name=\"description\" content=\"The Palmetto State is a pretty place, but factor in its proximity to the Atlantic and its history of hurricanes, and home protection won&#039;t come cheap.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/best-in-south-carolina\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"The Best Homeowners Insurance in South Carolina | Reviews.com\" \/>\n<meta property=\"og:description\" content=\"The Palmetto State is a pretty place, but factor in its proximity to the Atlantic and its history of hurricanes, and home protection won&#039;t come cheap.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.reviews.com\/insurance\/homeowners\/best-in-south-carolina\/\" \/>\n<meta property=\"og:site_name\" content=\"Reviews.com\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/Reviewscom\/\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.reviews.com\/wp-content\/uploads\/2020\/10\/GettyImages-185213253-scaled.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1440\" \/>\n\t<meta property=\"og:image:height\" content=\"960\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:site\" content=\"@Reviews\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"8 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.reviews.com\/insurance\/homeowners\/best-in-south-carolina\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/www.reviews.com\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Insurance\",\"item\":\"https:\/\/www.reviews.com\/insurance\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"Homeowners\",\"item\":\"https:\/\/www.reviews.com\/insurance\/homeowners\/\"},{\"@type\":\"ListItem\",\"position\":4,\"name\":\"The Best Homeowners Insurance in South Carolina\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.reviews.com\/#website\",\"url\":\"https:\/\/www.reviews.com\/\",\"name\":\"Reviews.com\",\"description\":\"Your Guide to the Best Services\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.reviews.com\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"en-US\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"The Best Homeowners Insurance in South Carolina | Reviews.com","description":"The Palmetto State is a pretty place, but factor in its proximity to the Atlantic and its history of hurricanes, and home protection won't come cheap.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.reviews.com\/insurance\/homeowners\/best-in-south-carolina\/","og_locale":"en_US","og_type":"article","og_title":"The Best Homeowners Insurance in South Carolina | Reviews.com","og_description":"The Palmetto State is a pretty place, but factor in its proximity to the Atlantic and its history of hurricanes, and home protection won't come cheap.","og_url":"https:\/\/www.reviews.com\/insurance\/homeowners\/best-in-south-carolina\/","og_site_name":"Reviews.com","article_publisher":"https:\/\/www.facebook.com\/Reviewscom\/","og_image":[{"width":1440,"height":960,"url":"https:\/\/www.reviews.com\/wp-content\/uploads\/2020\/10\/GettyImages-185213253-scaled.jpg","type":"image\/jpeg"}],"twitter_card":"summary_large_image","twitter_site":"@Reviews","twitter_misc":{"Est. reading time":"8 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"BreadcrumbList","@id":"https:\/\/www.reviews.com\/insurance\/homeowners\/best-in-south-carolina\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.reviews.com\/"},{"@type":"ListItem","position":2,"name":"Insurance","item":"https:\/\/www.reviews.com\/insurance\/"},{"@type":"ListItem","position":3,"name":"Homeowners","item":"https:\/\/www.reviews.com\/insurance\/homeowners\/"},{"@type":"ListItem","position":4,"name":"The Best Homeowners Insurance in South Carolina"}]},{"@type":"WebSite","@id":"https:\/\/www.reviews.com\/#website","url":"https:\/\/www.reviews.com\/","name":"Reviews.com","description":"Your Guide to the Best Services","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.reviews.com\/?s={search_term_string}"},"query-input":"required name=search_term_string"}],"inLanguage":"en-US"}]}},"_links":{"self":[{"href":"https:\/\/www.reviews.com\/wp-json\/wp\/v2\/pages\/323390"}],"collection":[{"href":"https:\/\/www.reviews.com\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.reviews.com\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.reviews.com\/wp-json\/wp\/v2\/users\/345"}],"replies":[{"embeddable":true,"href":"https:\/\/www.reviews.com\/wp-json\/wp\/v2\/comments?post=323390"}],"version-history":[{"count":0,"href":"https:\/\/www.reviews.com\/wp-json\/wp\/v2\/pages\/323390\/revisions"}],"up":[{"embeddable":true,"href":"https:\/\/www.reviews.com\/wp-json\/wp\/v2\/pages\/1691"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.reviews.com\/wp-json\/wp\/v2\/media\/355301"}],"wp:attachment":[{"href":"https:\/\/www.reviews.com\/wp-json\/wp\/v2\/media?parent=323390"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.reviews.com\/wp-json\/wp\/v2\/categories?post=323390"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.reviews.com\/wp-json\/wp\/v2\/tags?post=323390"},{"taxonomy":"post_author","embeddable":true,"href":"https:\/\/www.reviews.com\/wp-json\/wp\/v2\/post_author?post=323390"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}