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South Carolina Home Insurance
South Carolina home insurance provides property damage coverage for your home. There are two primary policies for single family homes. The basic policy, called the HO-2 policy, covers damages caused by fire, smoke, vehicle damage, aircraft damage, water overflow from water heaters and air conditioners, theft, vandalism, explosions, and damages caused by riots. The broad HO-3 policy covers all those perils plus adds bodily injury liability protection to the policy. It is necessary to carry South Carolina home insurance if you have a mortgage.
South Carolina Home Insurance Coverage
South Carolina has felt the effects of major hurricane disasters. Strong thunderstorms, hailstorms, lightning damages, and many other perils can cause the rates in this state to increase. If you live in an area of South Carolina that might flood, you should consider purchasing additional flood insurance, as South Carolina homeowners insurance does not cover flood water damage. Homeowners can review their “exclusions” section of their policy to see what may or may not be covered by their homeowner’s insurance policy.
South Carolina Home Insurance Rates
The rates for South Carolina home insurance hovered around the national average in 2003. The average cost of homeowners insurance in the state was $672 in 2003. The rates rose 20.2% from 2001 to 2003. The rates can increase from year to year, depending on how many claims were paid out in the previous year and to account for an increase in costs of doing business in the state.
Many homeowners wish to reduce their South Carolina homeowners insurance. There are some basic improvements you can do to your home to receive discounts from insurance providers. For instance, homeowners can install storm shutters, reinforce their roof, and use higher grade shingles to receive a discount from insurance providers. In crime ridden areas, homeowners can install alarm systems, deadbolts, and smoke detectors to receive a discount. Savings can be found by also shopping around before buying South Carolina home insurance.
South Carolina Department of Insurance
P.O. Box 100105
Columbia, South Carolina 29202-3105
Phone: 1-800-768-3467 (only in SC)
For other South Carolina Insurance Resources, See:
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