Best South Carolina Homeowners Insurance for 2026
State Farm has the state’s best home insurance overall, but Allstate may be cheaper.
Advertising Disclosures
Loading Disclosures…
- State Farm’s low rates and helpful coverage options make it South Carolina’s best homeowners insurance company.
- Home insurance costs an average of $3,477 a year in South Carolina, or $290 a month.
- The threat of storm damage makes homeowners insurance especially expensive along the coast.
Best homeowners insurance companies in South Carolina
State Farm’s low rates and flexible coverage options make it South Carolina’s best homeowners insurance company. Allstate has the state’s cheapest home insurance.
Auto-Owners and USAA stand out for other reasons, including excellent customer service. Both have a 0.5 complaint rating from the National Association of Insurance Commissioners (NAIC)
Best overall: State Farm
Average annual rate: $2,083
Why we chose it: In addition to affordable rates, State Farm offers flexible options for customizing your coverage.
Who it’s best for: Most homeowners. You can tailor State Farm’s coverage options to fit your budget and needs. For example, there are multiple roof coverage options, including an upgrade that replaces your damaged roof with even stronger materials.
The company also offers cheap car insurance in South Carolina, making it a good option for bundling
PROS
- Charges 40% less than state average for home insurance
- Cheap car insurance makes it good for bundling
- Customize add-ons for a variety of needs and budgets
CONS
- Not as cheap as Allstate
- Bad NAIC complaint score
Best for cheap rates: Allstate
Average annual rate: $1,707
Why we chose it: Allstate has South Carolina’s cheapest average home insurance rate. It charges about half the state average to insure a typical house.
Who it’s best for: Value seekers. Allstate’s easy-to-earn discounts make its low rates even cheaper. These include a discount just for switching to Allstate from another company. You can get another discount if you’ve recently purchased your home.
Its claims forgiveness add-on keeps your first claim from making your rate go up. Unfortunately, its car insurance rate is higher than average.
PROS
- Cheapest home insurance in South Carolina
- Several discounts can help you save more
- Claims forgiveness available to keep your rate low
CONS
- Expensive car insurance reduces savings for bundlers
- NAIC rating means more complaints than average
Best coverage options: Auto-Owners
Average annual rate: $3,411
Why we chose it: Auto-Owners offers optional coverages that can prove valuable in the long run.
Who it’s best for: Homeowners who value coverage over price. Auto-Owners’ guaranteed replacement coverage protects you from being underinsured after a disaster. Its inland flood coverage can be useful if you don’t need full-on flood coverage. Its home rates are just average, but its cheap car insurance can make it a good deal for bundlers.
PROS
- Customizable protections can save you money in the long run
- Cheap car insurance makes it affordable to bundle
- Excellent complaint rating means good customer service
CONS
- Home insurance rates are just average
- Online quotes not available
Best for military families: USAA
Average annual rate: $2,601
Why we chose it: Low rates and good customer service make USAA a good choice if you meet its eligibility requirements
Who it’s best for: Do-it-yourself insurance shoppers. USAA makes it easy to shop for home insurance online or by phone. However, you usually don’t work with the same agent on an ongoing basis.
Its customers don’t seem to mind, though. USAA’s 0.5 NAIC score means it has half as many complaints as average.
PROS
- Charges 25% less than state average for home insurance
- Cheap car insurance makes bundling affordable
- Excellent NAIC complaint score
CONS
- Less-personalized service than other companies
- Only available to the military community and their families
Compare home insurance rates and ratings in South Carolina
Each company’s rates vary by customer, which makes it good to compare home insurance quotes from a few companies.
| Company | Annual rate* | LendingTree rating | Complaint rating* | |
|---|---|---|---|---|
| Allstate | $1,707 | 4/5 | 1.2 |
| State Farm | $2,083 | 4/5 | 1.4 |
 | Cincinnati | $2,155 | 4/5 | 0.2 |
 | Universal | $2,916 |  2/5 | 2.7 |
| Auto-Owners | $3,411 | 4/5 | 0.5 |
 | Farmers | $4,034 |  3.5/5 | 0.7 |
 | Heritage | $4,084 | 3.5/5 | 0.7 |
 | Progressive | $4,396 | 3.5/5 | 1.8 |
 | Farm Bureau | $4,437 | 3.5/5 | 0.2 |
 | Nationwide | $6,421 | 3.5/5 | 1.2 |
| USAA** | $2,601 | 4/5 | 0.5 |
LendingTree analyzed home insurance quotes from every South Carolina ZIP code to identify the best options for you.
Our team evaluated pricing, customer experience, financial reliability and coverage features to determine the top home insurance companies in your state.
See our full methodology.
South Carolina home insurance costs
Home insurance costs an average of $3,477 a year in South Carolina, or $290 a month. This is 32% higher than the national average. Your actual rate depends on things like your location, your home’s features and your credit history.
Average home insurance rates by dwelling coverage amount
The amount of coverage you need also affects your rate. For example, it costs $2,717 per year to insure a $300,000 home. This is 22% less than the average for a $400,000 policy.
You usually have to insure your home at its replacement value
Home insurance rates by dwelling coverage
| Company | $300,000 | $400,000 | $550,000 | $750,000 |
|---|---|---|---|---|
| Allstate | $1,397 | $1,707 | $2,222 | $2,922 |
| State Farm | $1,743 | $2,083 | $2,525 | $3,066 |
| Auto-Owners | $2,788 | $3,411 | $4,314 | $5,986 |
| USAA** | $2,058 | $2,601 | $3,513 | $4,769 |
| Average | $2,717 | $3,477 | $4,390 | $5,853 |
Most insurance companies can help you estimate your home’s replacement value. You can help by providing details about your home, including its:
- Year built, square footage and number of floors
- Foundation, garage and roof types
- Flooring, countertop and cabinet materials
You can find most of this information by looking up your home on your county assessor’s website. For an older home, you may be asked when your roof, wiring and major systems were last updated. Modernized systems usually get you a lower rate.
South Carolina home insurance rates by city
Weather risks are a major driver of South Carolina’s home insurance rates. Insurance companies charge more in areas exposed to severe coastal storms than they do in inland areas.
This is one of the main reasons why home insurance costs $5,640 in Charleston, compared to only $2,571 in Columbia.
Pawleys Island has the state’s most expensive home insurance at $7,971 a year, more than double the state average. Sunset has the cheapest rates at $2,234 a year, or 36% less than the average.
| City | Annual rate |
|---|---|
| Abbeville | $2,464 |
| Adams Run | $4,372 |
| Aiken | $2,556 |
| Alcolu | $3,235 |
| Allendale | $3,103 |
| Anderson | $2,444 |
| Andrews | $4,600 |
| Arcadia | $2,317 |
| Arcadia Lakes | $2,561 |
| Arial | $2,280 |
| Awendaw | $6,284 |
| Aynor | $4,912 |
| Ballentine | $2,604 |
| Bamberg | $3,243 |
| Barnwell | $2,899 |
| Batesburg | $2,615 |
| Batesburg-leesville | $2,586 |
| Bath | $2,589 |
| Beaufort | $4,856 |
| Beech Island | $2,589 |
| Belton | $2,453 |
| Belvedere | $2,555 |
| Bennettsville | $3,273 |
| Berea | $2,358 |
| Bethera | $4,999 |
| Bethune | $2,861 |
| Bishopville | $3,269 |
| Blacksburg | $2,399 |
| Blackstock | $2,561 |
| Blackville | $2,904 |
| Blair | $2,599 |
| Blenheim | $3,344 |
| Bluffton | $4,463 |
| Blythewood | $2,584 |
| Boiling Springs | $2,243 |
| Bonneau Beach | $4,480 |
| Bowling Green | $2,317 |
| Bowman | $3,325 |
| Bradley | $2,490 |
| Branchville | $3,300 |
| Briarcliffe Acres | $7,444 |
| Brookdale | $3,263 |
| Brunson | $3,378 |
| Buffalo | $2,398 |
| Burnettown | $2,572 |
| Burton | $4,364 |
| Cades | $3,995 |
| Calhoun Falls | $2,515 |
| Camden | $2,784 |
| Cameron | $3,178 |
| Campobello | $2,276 |
| Canadys | $3,666 |
| Carlisle | $2,449 |
| Cassatt | $2,838 |
| Catawba | $2,398 |
| Cayce | $2,554 |
| Centerville | $2,439 |
| Central | $2,322 |
| Central Pacolet | $2,357 |
| Chapin | $2,547 |
| Chappells | $2,441 |
| Charleston | $5,640 |
| Charleston AFB | $4,564 |
| Cheraw | $2,833 |
| Cherryvale | $3,095 |
| Chesnee | $2,270 |
| Chester | $2,454 |
| Chesterfield | $2,821 |
| City View | $2,359 |
| Clarks Hill | $2,514 |
| Clearwater | $2,570 |
| Clemson | $2,317 |
| Cleveland | $2,349 |
| Clifton | $2,320 |
| Clinton | $2,463 |
| Clio | $3,343 |
| Clover | $2,264 |
| Columbia | $2,571 |
| Conestee | $2,360 |
| Converse | $2,321 |
| Conway | $4,893 |
| Coosawhatchie | $3,772 |
| Cope | $3,265 |
| Cordesville | $4,516 |
| Cordova | $3,279 |
| Cottageville | $3,736 |
| Coward | $3,418 |
| Cowpens | $2,295 |
| Crocketville | $3,372 |
| Cross | $4,449 |
| Cross Anchor | $2,398 |
| Cross Hill | $2,492 |
| Dale | $5,422 |
| Dalzell | $3,089 |
| Darlington | $3,309 |
| Daufuskie Island | $6,080 |
| Davis Station | $3,223 |
| Denmark | $3,192 |
| Dentsville | $2,586 |
| Dillon | $3,470 |
| Donalds | $2,511 |
| Dorchester | $4,151 |
| Drayton | $2,342 |
| Due West | $2,506 |
| Duncan | $2,286 |
| Dunean | $2,289 |
| Early Branch | $3,611 |
| Easley | $2,303 |
| East Gaffney | $2,410 |
| East Sumter | $3,121 |
| Eastover | $2,855 |
| Edgefield | $2,684 |
| Edgemoor | $2,463 |
| Edisto | $3,265 |
| Edisto Island | $6,572 |
| Effingham | $3,318 |
| Ehrhardt | $3,270 |
| Elgin | $2,637 |
| Elko | $2,871 |
| Elliott | $3,278 |
| Elloree | $3,313 |
| Enoree | $2,363 |
| Estill | $3,633 |
| Eureka Mill | $2,449 |
| Eutawville | $3,572 |
| Fair Play | $2,411 |
| Fairfax | $3,160 |
| Fairforest | $2,308 |
| Five Forks | $2,308 |
| Florence | $3,318 |
| Folly Beach | $7,573 |
| Forest Acres | $2,555 |
| Forestbrook | $5,910 |
| Fork | $3,565 |
| Fort Lawn | $2,523 |
| Fort Mill | $2,317 |
| Fountain Inn | $2,350 |
| Furman | $3,631 |
| Gable | $3,249 |
| Gadsden | $2,718 |
| Gaffney | $2,401 |
| Galivants Ferry | $4,598 |
| Gantt | $2,329 |
| Garden City | $6,987 |
| Garnett | $3,609 |
| Gaston | $2,638 |
| Gayle Mill | $2,449 |
| Georgetown | $5,664 |
| Gifford | $3,386 |
| Gilbert | $2,547 |
| Glendale | $2,335 |
| Gloverville | $2,578 |
| Golden Grove | $2,374 |
| Goose Creek | $4,503 |
| Gramling | $2,273 |
| Graniteville | $2,545 |
| Gray Court | $2,423 |
| Great Falls | $2,584 |
| Greeleyville | $3,935 |
| Green Pond | $4,530 |
| Green Sea | $4,633 |
| Greenville | $2,318 |
| Greenwood | $2,484 |
| Greer | $2,286 |
| Gresham | $4,186 |
| Grover | $4,318 |
| Hamer | $3,483 |
| Hampton | $3,630 |
| Hanahan | $5,156 |
| Hardeeville | $4,263 |
| Harleyville | $3,879 |
| Hartsville | $3,215 |
| Heath Springs | $2,634 |
| Hemingway | $4,571 |
| Hickory Grove | $2,331 |
| Hilda | $2,905 |
| Hilton Head Island | $6,286 |
| Hodges | $2,505 |
| Holly Hill | $3,407 |
| Hollywood | $4,644 |
| Homeland Park | $2,465 |
| Honea Path | $2,427 |
| Hopkins | $2,674 |
| Horatio | $3,170 |
| Huger | $4,745 |
| India Hook | $2,265 |
| Inman | $2,266 |
| Inman Mills | $2,263 |
| Irmo | $2,530 |
| Irwin | $2,618 |
| Islandton | $3,703 |
| Isle Of Palms | $7,322 |
| Iva | $2,488 |
| Jackson | $2,595 |
| Jacksonboro | $4,207 |
| Jamestown | $4,614 |
| Jefferson | $2,781 |
| Jenkinsville | $2,598 |
| Joanna | $2,476 |
| Johns Island | $5,534 |
| Johnsonville | $3,823 |
| Johnston | $2,699 |
| Jonesville | $2,383 |
| Judson | $2,357 |
| Kershaw | $2,717 |
| Kiawah Island | $6,137 |
| Kinards | $2,459 |
| Kingstree | $4,058 |
| La France | $2,465 |
| Ladson | $4,524 |
| Lake City | $3,717 |
| Lake Murray of Richland | $2,550 |
| Lake Secession | $2,477 |
| Lake View | $3,561 |
| Lake Wylie | $2,264 |
| Lakewood | $3,112 |
| Lamar | $3,321 |
| Lancaster | $2,700 |
| Lando | $2,533 |
| Landrum | $2,310 |
| Lane | $4,150 |
| Langley | $2,577 |
| Latta | $3,574 |
| Laurel Bay | $4,363 |
| Laurens | $2,449 |
| Leesville | $2,562 |
| Lesslie | $2,305 |
| Lexington | $2,546 |
| Liberty | $2,317 |
| Liberty Hill | $2,796 |
| Little Mountain | $2,436 |
| Little River | $6,106 |
| Little Rock | $3,458 |
| Livingston | $3,012 |
| Lobeco | $4,466 |
| Lodge | $3,407 |
| Long Creek | $2,358 |
| Longs | $5,204 |
| Loris | $5,030 |
| Lowndesville | $2,549 |
| Lugoff | $2,702 |
| Luray | $3,358 |
| Lydia | $3,320 |
| Lyman | $2,285 |
| Lynchburg | $3,329 |
| Manning | $3,298 |
| Marietta | $2,385 |
| Marion | $4,036 |
| Martin | $2,879 |
| Mauldin | $2,329 |
| Mayesville | $3,211 |
| Mayo | $2,297 |
| Mc Bee | $2,877 |
| Mc Clellanville | $6,330 |
| Mc Coll | $3,341 |
| McConnells | $2,329 |
| McCormick | $2,472 |
| Meggett | $4,645 |
| Miley | $3,633 |
| Modoc | $2,559 |
| Monarch Mill | $2,419 |
| Moncks Corner | $4,478 |
| Monetta | $2,629 |
| Montmorenci | $2,575 |
| Moore | $2,291 |
| Mount Carmel | $2,515 |
| Mount Croghan | $2,817 |
| Mount Pleasant | $5,705 |
| Mountain Rest | $2,325 |
| Mountville | $2,481 |
| Mullins | $4,139 |
| Murphys Estates | $2,482 |
| Murrells Inlet | $6,958 |
| Myrtle Beach | $7,003 |
| Neeses | $3,013 |
| Nesmith | $4,096 |
| New Ellenton | $2,561 |
| New Zion | $3,259 |
| Newberry | $2,437 |
| Newport | $2,258 |
| Newry | $2,357 |
| Nichols | $4,180 |
| Ninety Six | $2,466 |
| Norris | $2,317 |
| North | $2,942 |
| North Augusta | $2,519 |
| North Charleston | $4,612 |
| North Hartsville | $3,294 |
| North Myrtle Beach | $7,348 |
| Northlake | $2,440 |
| Norway | $3,051 |
| Oak Grove | $2,531 |
| Oakland | $3,095 |
| Okatie | $4,488 |
| Olanta | $3,307 |
| Olar | $3,181 |
| Orangeburg | $3,250 |
| Pacolet | $2,348 |
| Pacolet Mills | $2,359 |
| Pageland | $2,788 |
| Pamplico | $3,736 |
| Parker | $2,354 |
| Parris Island | $5,327 |
| Patrick | $2,870 |
| Pauline | $2,311 |
| Pawleys Island | $7,971 |
| Peak | $2,477 |
| Pelion | $2,643 |
| Pelzer | $2,381 |
| Pendleton | $2,425 |
| Pickens | $2,245 |
| Piedmont | $2,362 |
| Pine Ridge | $2,580 |
| Pineland | $3,754 |
| Pineville | $4,370 |
| Pinewood | $3,188 |
| Pinopolis | $4,719 |
| Plum Branch | $2,468 |
| Pomaria | $2,472 |
| Port Royal | $4,870 |
| Powdersville | $2,352 |
| Privateer | $3,104 |
| Prosperity | $2,433 |
| Rains | $3,946 |
| Ravenel | $4,615 |
| Red Bank | $2,545 |
| Red Hill | $4,943 |
| Reevesville | $3,844 |
| Rembert | $3,081 |
| Richburg | $2,510 |
| Richland | $2,333 |
| Ridge Spring | $2,641 |
| Ridgeland | $3,767 |
| Ridgeville | $4,246 |
| Ridgeway | $2,535 |
| Rion | $2,573 |
| Rock Hill | $2,306 |
| Roebuck | $2,285 |
| Round O | $3,820 |
| Rowesville | $3,318 |
| Ruby | $2,805 |
| Ruffin | $3,709 |
| Russellville | $4,322 |
| Salem | $2,272 |
| Salley | $2,618 |
| Salters | $4,013 |
| Saluda | $2,591 |
| Sandy Springs | $2,448 |
| Sangaree | $4,381 |
| Sans Souci | $2,326 |
| Santee | $3,444 |
| Saxon | $2,305 |
| Scotia | $3,633 |
| Scranton | $3,648 |
| Seabrook | $4,356 |
| Seabrook Island | $6,135 |
| Sellers | $3,736 |
| Seneca | $2,348 |
| Seven Oaks | $2,512 |
| Sharon | $2,319 |
| Shaw AFB | $3,102 |
| Sheldon | $4,233 |
| Shell Point | $4,364 |
| Silverstreet | $2,477 |
| Simpsonville | $2,304 |
| Six Mile | $2,266 |
| Slater | $2,374 |
| Slater-Marietta | $2,317 |
| Smoaks | $3,932 |
| Smyrna | $2,333 |
| Socastee | $5,768 |
| Society Hill | $3,288 |
| South Congaree | $2,560 |
| South Sumter | $3,105 |
| Southern Shops | $2,316 |
| Spartanburg | $2,298 |
| Springdale | $2,576 |
| Springfield | $2,969 |
| St. Andrews | $2,531 |
| St. George | $3,882 |
| St. Helena Island | $6,007 |
| St. Matthews | $3,049 |
| St. Stephen | $4,326 |
| Starr | $2,473 |
| Startex | $2,318 |
| State Park | $2,627 |
| Sullivan’s Island | $6,498 |
| Summerton | $3,371 |
| Summerville | $4,409 |
| Sumter | $3,116 |
| Sunset | $2,234 |
| Surfside Beach | $7,200 |
| Swansea | $2,629 |
| Tamassee | $2,357 |
| Tatum | $3,308 |
| Taylors | $2,285 |
| Tega Cay | $2,272 |
| Tillman | $3,693 |
| Timmonsville | $3,319 |
| Townville | $2,448 |
| Travelers Rest | $2,348 |
| Trenton | $2,657 |
| Troy | $2,507 |
| Turbeville | $3,260 |
| Ulmer | $3,147 |
| Una | $2,357 |
| Union | $2,419 |
| Utica | $2,360 |
| Valley Falls | $2,267 |
| Vance | $3,489 |
| Varnville | $3,638 |
| Vaucluse | $2,598 |
| Wade Hampton | $2,287 |
| Wadmalaw Island | $5,382 |
| Wagener | $2,614 |
| Walhalla | $2,342 |
| Wallace | $3,060 |
| Walterboro | $3,765 |
| Ward | $2,630 |
| Ware Shoals | $2,519 |
| Warrenville | $2,572 |
| Waterloo | $2,505 |
| Watts Mills | $2,448 |
| Wedgefield | $3,099 |
| Welcome | $2,363 |
| Wellford | $2,309 |
| West Columbia | $2,543 |
| West Pelzer | $2,361 |
| West Union | $2,369 |
| Westminster | $2,368 |
| Westville | $2,799 |
| White Rock | $2,638 |
| White Stone | $2,357 |
| Whitmire | $2,427 |
| Wilkinson Heights | $3,268 |
| Williams | $3,804 |
| Williamston | $2,382 |
| Williston | $2,788 |
| Windsor | $2,634 |
| Winnsboro | $2,541 |
| Winnsboro Mills | $2,543 |
| Woodfield | $2,585 |
| Woodruff | $2,322 |
| Yemassee | $4,018 |
| York | $2,287 |
Current state of home insurance in South Carolina
The cost of homeowners insurance in South Carolina has gone up by 30% since 2020. This increase is blamed on a combination of factors.
- Powerful storms have required insurance companies to rebuild more homes than normal.
- Inflation has driven up the cost of rebuilding homes faster than usual.
Insurance companies have been raising their rates to keep up with these growing expenses.
Here are steps you can take to lower your home insurance costs, or at least keep them from going up too fast:
- Shop around: Each company uses a different system to set your rate. Getting quotes from a few companies helps you find the cheapest rate for your situation.
-
Raise your deductibles: A higher deductible
usually lowers your rate. Make sure to keep money in the bank to cover it if a disaster strikes. The state’s Catastrophe Savings Account program helps you sock away emergency funds on a tax-free basis.A deductible is the amount of money you pay out of your own pocket after you file a claim and before your insurance company pays the rest.
- Strengthen your home: Securing your roof and installing water-resistant features improves your home’s ability to withstand storms. Some improvements can also get you a tax credit from the state.
South Carolina hurricane insurance
There’s no single type of home insurance coverage for hurricanes in South Carolina. Instead, there is a combination of insurance protections for them.
Wind insurance in South Carolina
In most parts of the state, standard home insurance covers wind damage from hurricanes. There’s an exception in coastal areas, where some companies don’t cover wind and hail damage. In this situation, you can get a separate windstorm policy. The South Carolina Wind and Hail Underwriting Association, or Wind Pool, can help.
Standard home insurance usually has a higher deductible for wind damage than it does for other risks like fire. Some policies come with a hurricane deductible, which usually applies to wind-related damage from a named storm.
Flood insurance in South Carolina
Standard homeowners insurance does not cover floods. Instead, you can get flood insurance to protect against this risk. It costs an average of $771 a year in South Carolina, or $64 a month.
Most people buy flood insurance through the government-run National Flood Insurance Program (NFIP). It comes with a 30-day waiting period, so it’s good to line up your policy before hurricane season begins. The waiting period does not apply if you’re buying flood insurance to close a loan.
A few private companies also offer flood insurance in South Carolina. Private flood insurance usually has a shorter waiting period than the NFIP and is sometimes cheaper.
Your current home insurance agent, or the ones you shop with, can usually get you an NFIP quote. Neptune Flood, Wright Flood and Allstate are good companies to contact for private flood quotes.
The inland flood coverage that Auto-Owners offers does not provide as much protection as true flood insurance.
Compare homeowners insurance companies in SC
Comparing quotes can save you money on homeowners insurance. Consider these tips to save time.
- Find your declarations: Your current policy’s declarations page summarizes your coverages, limits and deductibles. Sharing it with other companies helps you get quotes faster.
- Prepare to bundle: Most companies give you a big discount for getting your home and auto insurance from them. Get quotes for both policies to see each company’s combined rate.
- Check the details: It’s normal for your coverage limits to vary slightly by company. You should still make sure information about you and your home is accurate in each quote.
- Compare apples to apples: The coverage options and deductibles in each quote should match up.
- Ask about discounts: Your quotes may include a few discounts, but you don’t want any to get overlooked.
How LendingTree helps you find the right policy
Shopping for home insurance isn’t always straightforward — especially when availability and pricing can vary widely. LendingTree makes it easier by helping you explore options from multiple insurers so you can find coverage that fits your needs and budget.
How it works
Tell us about your home
Answer a few quick questions about your home, location and coverage needs.
Compare options from insurers
See quotes and typical rates from insurers that offer coverage in your area.
Choose the right policy
Review your options and pick the coverage that fits your needs and budget.
Frequently asked questions
Flood insurance is only required if you need a mortgage in a high-risk flood zone. Lenders make you get it for your loan. South Carolina’s widespread flood risks often make it worth getting on a voluntary basis in other situations.
Home insurance typically only covers wind-related hurricane damage. The exception is in coastal areas, where some policies exclude wind and hail damage. You can usually get separate windstorm coverage in these situations.
Home insurance does not cover flooding that accompanies a hurricane. Flood insurance protects against this risk.
Many South Carolina home insurance policies have hurricane deductibles. These are usually higher than your deductible for other risks like fire. This means you have to pay more out of your own pocket for hurricane repairs than you do for other disasters.
Methodology
How we chose the best homeowners insurance in South Carolina
The rates shown in this article are based on an analysis of non-binding quotes obtained in February 2026 from Quadrant Information Services for sample homes in every South Carolina ZIP code. Unless otherwise noted, policies include:
- Dwelling coverage: $400,000
- Other structures: $40,000
- Personal property: $200,000
- Loss of use: $80,000
- Personal liability: $100,000
- Guest medical payments: $5,000
- Deductible: $1,000
How we create LendingTree ratings
Our team of insurance experts evaluates insurance companies across several categories, including average rates, discounts, coverage options, third-party customer service ratings and app/website experience. We use this information to create LendingTree ratings, which help us identify and recommend the best insurance companies for consumers.
For third-party customer service ratings, we included the NAIC’s complaint index scores and financial strength ratings from AM Best. NAIC complaint index scores show how well companies treat customers over things like claims, while financial strength ratings from AM Best reflect the ability to pay out claims.
See our home insurance ratings methodology and full editorial guidelines for further details.
**USAA is only available to current and former members of the military and their families.