Home Insurance in South Carolina
Home insurance in South Carolina is near the national average, with Atlantic hurricane exposure on the coast and hail and severe storms inland.
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South Carolina at a glance
Data as of 2022Average cost
$1,571/yr
≈ $131/mo
vs U.S. average
On par
with the national average of $1,569/yr
Top risks
Hurricanes & hail
Source: NAIC (2022). Average annual premium for owner-occupied HO-3 homeowners policies.
Home insurance in South Carolina is near the national average, with Atlantic hurricane exposure on the coast and hail and severe storms inland.
How much does home insurance cost in South Carolina?
The average homeowner in South Carolina pays $1,571 per year for home insurance — that’s roughly in line with the U.S. national average of $1,569/yr. Your own rate depends on your home’s rebuild cost, age, construction, location, and claims history.
South Carolina vs the national average
Roughly in line with the national average of $1,569/yr.
Source: NAIC (2022). Average annual premium for owner-occupied HO-3 homeowners policies.
What drives home insurance costs in South Carolina
Coastal counties face the highest rates and separate windstorm coverage or hurricane deductibles, while inland homes are priced for hail and storm risk.
What home insurance covers
A standard South Carolina homeowners (HO-3) policy bundles several coverages. Note what’s not included — flood and earthquake always require separate policies.
| Coverage | What it covers | In a standard policy? |
|---|---|---|
| Dwelling (Coverage A) | The structure of your home itself | Core coverage |
| Other structures (B) | Detached garages, fences, sheds | Included |
| Personal property (C) | Your belongings — furniture, electronics, clothes | Included |
| Liability (E) | Injuries to others or damage you’re responsible for | Included |
| Loss of use (D) | Living expenses if your home is uninhabitable | Included |
| Flood / earthquake | Flood and quake damage | Excluded — separate policy |
Homeowners insurance is not legally mandated, but mortgage lenders require it for the life of your loan.
How to lower your home insurance in South Carolina
Rates for the same home can vary widely between insurers in South Carolina, so comparing several quotes is the most effective way to save. A few other ways to lower your premium:
- Raise your deductible if you can cover it in a claim
- Bundle home and auto insurance with one carrier
- Harden your home against local risks (impact-resistant roof, storm shutters, defensible space) for discounts
- Improve security — alarms, smoke detectors, water-leak sensors
- Avoid small claims so you keep claims-free discounts
Average premium data last verified June 6, 2026. Source: NAIC. Figures are statewide averages — your quote will differ based on your specific home.
South Carolina home insurance FAQs
Common questions about homeowners insurance in South Carolina
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