Best South Carolina Homeowners Insurance Agents & Brokers (2024)

How much does the average home insurance cost in South Carolina?

The average monthly rate for homeowners insurance can vary significantly based on several factors. Insurance companies consider many different components when determining a person’s premium amount. In terms of homeowners insurance, some of the most common factors that impact monthly rates include:

• Replacement cost of the home
• Deductible amount
• Credit history
• Claims history
• Marital status
• Age of the home
• ZIP code

If you find that your homeowners insurance rates are higher than the South Carolina average, $110 per month, it may be good to shop around for coverage from other providers. You may be able to find much more affordable coverage elsewhere.

What are some of the best home insurance companies in South Carolina?

Finding the best homeowners insurance policy in South Carolina will depend on personal factors and the policies you can find in your area. In South Carolina, as in many other states, each city has its own top insurance companies.

What’s the best homeowners insurance in Charleston, S.C.?

Charleston is a town with a rich history. People move to Charleston for a variety of reasons. However, if you live in Charleston, there are a few insurance companies that locals tend to choose over the rest because of their insurance rates and coverage options.

The top Charleston home insurance companies include:

• USAA
• Allstate
• State Farm
• Travelers
• Auto-Owners

Of the companies listed above, USAA tends to offer the lowest premiums. 

Because Charleston is a beach town, many homeowners add flood insurance coverage to their home insurance policies. When you factor this into your coverage, you may find that your rates increase. But the additional protection you get with flood insurance may be worth the money. 

The Best Homeowners Insurance in Columbia, S.C.

As South Carolina’s state capital, Columbia has a lot of bragging rights. When it comes to finding Columbia, S.C., homeowners insurance, there are a few top options out there, such as:

• Palmetto Moon
• South State
• Allstate
• Progressive
• DeWees Insurance
• Geico

Columbia is a large city, and in many cases, large cities come with plenty of small, locally-owned insurance companies. When looking for homeowners insurance quotes, you may want to consider some of these smaller companies as they may offer more one-on-one assistance and the lowest rates.

The best home insurance in Aiken and Sumter, South Carolina — both close in proximity to Columbia — may include different companies than the ones listed above. Therefore, the only way to truly know which company offers the best homeowners insurance coverage is to compare quotes and find the most competitive rates.

What’s the best homeowners insurance in Myrtle Beach, S.C.?

The average cost of homeowners insurance in Myrtle Beach, South Carolina, is nearly $2,200. Insurance rates in Myrtle Beach tend to be higher because of the proximity to the ocean and the added risks that come with that.

Some of the top homeowners insurance providers in Myrtle Beach include:

• Universal Insurance
• Farm Bureau
• Farmers
• Travelers

Much like flood insurance in Charleston, you may want to consider flood insurance and other added coverages when purchasing homeowners insurance in Myrtle Beach.

How much is homeowners insurance in Mt. Pleasant, S.C.?

Homeowners insurance rates in Hilton Head Island, Mount Pleasant, and surrounding cities are similar to rates found in Myrtle Beach. If you live in these areas, you can expect to pay around $2,000 annually for home insurance coverage. 

Some of the best companies that offer homeowners insurance in Mount Pleasant, South Carolina, include:

• Travelers
• Liberty Mutual
• Nationwide
• First Capital
• Gill Insurance
• Mappus Insurance

Some of the local homeowners insurance providers may require that you call and speak to an insurance agent to receive a quote. But it may be worth the extra effort, as local companies can sometimes offer extremely competitive rates for coverage.

Finding Homeowners Insurance in Rock Hill, S.C.

There are many different options for home insurance coverage in Rock Hill. The top-rated companies that offer home insurance in Rock Hill, South Carolina, include:

• Brightway Insurance
• Allstate
• CoSaint Insurance
• Nationwide
• Geico
• State Farm

As you search for the best Rock Hill homeowners policies, you may want to look up different companies and their financial strength ratings. In using a company like A.M. Best, you will see which companies rank highest in their ability to pay out different home insurance claims.

What’s the best home insurance in Summerville, S.C.?

Close to Charleston, Summerville has a lot to offer residents and tourists alike. If you’re looking for homeowners insurance in Summerville, South Carolina, the following companies may interest you:

• Nationwide
• Lighthouse Insurance
• Corvino
• Absolute Insurance
• Farmers

If rates for homeowners insurance in Summerville, or any city in South Carolina, seem too high, don’t hesitate to compare rates with multiple companies to see if you can find cheaper coverage with a different provider.

How can I find cheap homeowners insurance in South Carolina?

The first way to find cheap homeowners insurance is to compare quotes. You can find home insurance quotes in South Carolina by searching online. The easiest and most efficient way to compare quotes is to use a comparison tool to simultaneously see rates for multiple companies.

Once you’ve found a few companies you’re interested in, you can call and speak to a representative from each provider. In addition, ask whether the insurance company offers discounts on coverage. You may be surprised to know that you qualify for a few different discounts on your home insurance coverage.

If you need to lower your home insurance rates even further, consider choosing a higher deductible. Of course, this will cause you to pay more out of your pocket if you ever have to make a home insurance claim, but it could help you save money when it comes to monthly rates.

South Carolina Homeowners Insurance: The Bottom Line

The average cost for homeowners insurance is just over $100 in South Carolina. But your rates could look different from this amount, depending on where you live in the state. 

If you live in the low country of South Carolina, like Charleston, Myrtle Beach, or Hilton Head, you may want to consider purchasing additional coverage to protect you in the event of a flood.

It’s also a good idea to compare home insurance rates and options with local companies in South Carolina. So take time to research the top companies in your city to see your home insurance policy options.

Once you compare quotes from large and small-scale providers, speak to an agent and ask about discounts with any company you’re considering. Don’t hesitate to ask whether there’s any way you could save even more on your monthly payments.