South Carolina homeowners insurance

Extreme weather is a fact of life for South Carolina homeowners, and supercell storms can happen anytime, bringing high winds, hail, and the occasional tornado. No matter where you live in South Carolina, a homeowners insurance policy through Progressive may help protect your home and personal property against severe weather and unexpected perils.

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How you're covered

A typical policy in South Carolina may include the following homeowners insurance coverages:

  • Dwelling coverage (Coverage A) protects your home's structure (roof, walls, etc.) as well as attached structures, like a porch.
  • Other structures coverage (Coverage B) protects detached structures, such as a fence, shed, or detached garage.
  • Personal property coverage (Coverage C) protects your personal belongings, including furniture, clothing, and electronics. Certain items, like jewelry, art, and collectibles, are often only covered up to a specific limit so you may want to purchase an endorsement to schedule these items on your policy at the coverage amount needed, also known as "adding a rider."
  • Loss of use coverage (Coverage D) may help cover costs associated with an increase in living expenses, up to your policy's limit, if you're unable to stay in your home while it's being repaired or rebuilt due to a covered loss.
  • Personal liability coverage (Coverage E) protects you financially if you're legally responsible for another person's injuries or damage to their property.
  • Medical payments to others (Coverage F) may pay for medical expenses due to a covered occurrence.

Keep in mind, coverage under your homeowners insurance policy is subject to exclusions and conditions within your policy. It's important to read your policy to understand the coverage provided.

If your policy covers windstorms, you might have a separate deductible for hurricane or wind damage. This deductible may be higher than your policy's standard deductible and could be a percentage of one or more of your coverage limits. Learn more about how homeowners coverage works for hurricanes.

Did you know?

South Carolina is sometimes impacted by smaller tropical storms and hurricanes that can cause downed trees, power outages, flooding, and property damage. Learn how homeowners insurance may cover storm damage.

More ways to stay covered in South Carolina

In some cases, you can buy extra protection by adding coverage to your homeowners policy or purchasing a separate policy. If available, South Carolinians may want to consider:

  • Flood: Flooding is not typically covered under a homeowners policy. If you're concerned about flooding in your area, a private flood insurance policy or NFIP, where available, may help protect your property and belongings against flood damage.
  • Umbrella: An umbrella policy may help protect your assets if you exceed the personal liability coverage on your homeowners policy.
  • Sump pump: Sewage back-up or sump pump overflows aren't typically one of the standard coverages automatically included with homeowners insurance. Adding water back-up coverage as an optional coverage, if available, may help in the event of sewage back-up or sump pump overflow due to heavy storms.

How much is homeowners insurance in South Carolina?

Progressive homeowners policies in South Carolina had an average monthly price of $125.28 per month or $1,503.33 annually in 2023.* Your premium could be higher or lower based on several factors. Type of home construction and roof age can influence the cost of your homeowners policy. Location may also be an important consideration. For instance, homeowners who live on the South Carolina coast may pay more for a homeowners policy because of an increased risk for storm damage.

Learn more about the factors that impact the cost of homeowners insurance.

Helping you save on homeowners insurance in South Carolina

Progressive offers several discounts that you can take advantage of to help make your South Carolina homeowners insurance coverage more affordable. Paying in full, bundling your homeowners and auto policies, installing alarm and security systems, and going paperless are just some of the homeowners insurance discounts available.

There may also be discounts only available in your state or county. You can call 1-866-749-7436 to help ensure you're getting all discounts currently applicable to you and where you live, or find a local agent in South Carolina.

Compare South Carolina homeowners insurance rates

Progressive's HomeQuote Explorer® lets you instantly compare homeowners insurance quotes and coverages from multiple companies in the state of South Carolina.

Is homeowners insurance required by law in South Carolina?

Homeowners insurance in South Carolina isn't required by law, but if you finance your home, your lender may require you to have a homeowners insurance policy in place. Even if your home is paid in full, homeowners insurance can be valuable in protecting what is likely your most valuable asset.

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Please note: The above is meant as general information to help you understand the different aspects of insurance. Read our editorial standards for Answers content. This information is not an insurance policy, does not refer to any specific insurance policy, and does not modify any provisions, limitations, or exclusions expressly stated in any insurance policy. Descriptions of all coverages and other features are necessarily brief; in order to fully understand the coverages and other features of a specific insurance policy, we encourage you to read the applicable policy and/or speak to an insurance representative. Coverages and other features vary between insurers, vary by state, and are not available in all states. Whether an accident or other loss is covered is subject to the terms and conditions of the actual insurance policy or policies involved in the claim. References to average or typical premiums, amounts of losses, deductibles, costs of coverages/repair, etc., are illustrative and may not apply to your situation. We are not responsible for the content of any third-party sites linked from this page.

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*Average premium limited to policies with dwelling coverage limits between $200k - $400K for 2023. Individual rates may be higher or lower depending on a variety of factors, including, but not limited to, your location, type and value of home, and coverage limits.