After collecting thousands of home insurance quotes in South Carolina and looking at policy details from dozens of insurers, we've found that the best homeowners insurance isn't determined by price alone. It's also important to consider the types of coverage that are included, along with the level of care you can expect when you make a claim.
Compare Home Insurance Quotes from Providers in South Carolina
The average home insurance cost in South Carolina is $2,321 per year.
Our data on homeowners insurance in the Palmetto State showed that the best rate for a typical policy is offered by Allstate for a rate of $988 per year. However, we also accounted for differences in service quality and coverage benefits. Find out what companies we recommend and why we think they offer the best home insurance in South Carolina.
Best for most homeowners
Best for local coverage
Best for military families
Best homeowners insurance for most people: State Farm
State Farm is the best homeowners insurance for most people in South Carolina. Its prices are among the cheapest in the state, and many policyholders may be able to reduce their premiums by qualifying for any of State Farm's discounts. If you already have another form of insurance with State Farm, you may save by bundling a homeowners policy.
State Farm's homeowners insurance allows you to customize your policy to best fit the needs of your home. Its affordable prices leaves room in your budget to purchase add-ons. For example, you may add water or sewer-backup protection, identity restoration services, and an earthquake endorsement. If you live along South Carolina's southeastern coast, where earthquakes are most likely to occur, this add-on might be worth considering.
Despite its prices, you're not paying for less service. State Farm's customer service stands out among the other homeowners insurance companies we surveyed in South Carolina. The National Association of Insurance Commissioners (NAIC), a standard-setting body for the insurance industry, lists State Farm's national complaint index at 0.20. This figure is much less than 1.0, which the NAIC uses to represent the expected amount of complaints based on a company's market share.
Most affordable homeowners insurance: Allstate
The most affordable homeowners insurance in South Carolina is Allstate, which offers a standard policy for an average price of $988 per year. That's about 60% cheaper than the statewide mean cost of coverage. Allstate was the only provider we surveyed with a cheaper typical price than $1,083, the national average of homeowners insurance. In fact, Allstate's price was less than $1,083 in over 800 of South Carolina's ZIP codes.
You may also be able to decrease the price of your homeowners insurance with Allstate's discounts. You may qualify for discounts by having a new home or roof. Additionally, Allstate offers the following markdowns:
|Bundling policies||up to 25%|
|Sign up for automatic payments||up to 5%|
|Switch to Allstate with a claim-free history||up to 20%|
|Sign up for a new policy at least seven days in advance||up to 10%|
You may be able to leverage Allstate's cheap premiums to add additional coverage onto a basic policy. You can add water or sewer backup protection, identity theft restoration service and increased contents coverage for different types of property. You can also purchase a green endorsement that helps you outfit your home with energy-efficient materials after a loss.
Best for local coverage: South Carolina Farm Bureau
Farm Bureau's South Carolina subsidiary is the best homeowners insurance for people who prefer an insurer with local roots. Membership in the South Carolina Farm Bureau allows you to receive discounts on goods and services in your area. You can use this company's legislative presence to advocate for local initiatives that matter to you, and stay informed on local agricultural news through its newsletter.
The average annual cost of homeowners insurance from the South Carolina Farm Bureau is $1,770, which is about 24% cheaper than South Carolina's mean cost of coverage. If you'd like to increase your standard coverage, you may purchase endorsements for earthquake protection and umbrella coverage.
You could reduce your premiums if you can qualify for any of the discounts offered by South Carolina Farm Bureau. Your prices may decrease if you bundle your homeowners insurance with an auto policy, install security systems or protective devices or remain loss free for at least five continuous years.
One downside of the South Carolina Farm Bureau is the company's financial strength rating. The credit monitor A.M. Best recently downgraded Farm Bureau's financial health from Excellent to Good. While this still means the South Carolina Farm Bureau is capable of meeting its financial obligations, its financial strength score is the lowest in this survey.
Best for military families: USAA
Homeowners insurance from USAA is the best option for active or retired military service members and their families. USAA's standard coverage includes protections that aren't typically included in other companies' basic packages. Additionally, USAA's customer service is among the best in the industry.
The average cost of homeowners insurance from USAA is about $2,116 per year, which is about 8% less than the state average. We believe the level of coverage you get with USAA is enough to offset the cost. Additionally, USAA's complaint index of 0.15 means its customer service is the best compared to other insurers in this survey.
A standard policy from USAA covers your uniform, with no deductible required, as long as the damage occurred on active or reserve duty. You also get replacement cost coverage without having to purchase a separate endorsement, as is common with other providers. This may be particularly valuable for South Carolinians due to the state's exposure to destructive hurricanes.
Cheapest options for homeowners insurance in South Carolina
We found that the cheapest homeowners insurance company in South Carolina on average is Allstate, while the most expensive is Auto-Owners Insurance Co.
As with most coastal states prone to hurricanes, the price of homeowners insurance in South Carolina is more expensive than the country's average cost of protection, which we calculated to be $1,083.
Compare Home Insurance Quotes from Providers in South Carolina
Homeowners insurance companies with the best and worst reviewed customer service
To learn which homeowners insurance companies in South Carolina have the best and worst customer service, we checked each insurer's complaint index, measured by the NAIC.
We've displayed the complaint indies for seven of South Carolina's largest homeowners insurance providers in the table below. We've also included A.M. Best's Financial Strength Rating and J.D. Power's rating. The companies with the best customer service scores were: USAA, State Farm and Auto-Owners Insurance Co.
NAIC complaint index
|South Carolina Farm Bureau||0.48||N/A||B++|
|Auto-Owners Insurance Co.||0.21||4/5||A++|
Even the homeowners insurance companies with the highest NAIC scores — South Carolina Farm Bureau, Liberty Mutual and Allstate — are worth considering. No insurer has a complaint index that's over 1.0, the expected number of complaints.
Most common homeowners insurance perils in South Carolina: Hurricanes and flooding
South Carolina's adjacency to the Atlantic Coast means that it's vulnerable to tropical storms and hurricanes. Additionally, the state's low-lying topography contributes to its proneness to flooding. South Carolina can also experience hail storms that can damage homes and necessitate property owners to make insurance claims.
You should be sure you understand how your homeowners insurance policy treats these perils and others most common in your home's location. This is the best way you can pick a provider that best fits with your needs.
Does homeowners insurance cover hurricane damage?
Tropical storms and hurricanes can affect South Carolina's homeowners with heavy winds, rains and flooding. Fortunately, if you're worried about the effects that a hurricane would have on your house, homeowners insurance usually includes damage from winds in its standard covered perils. To be sure that your property would be protected from the devastation a hurricane can cause, you might consider getting replacement cost coverage. However, this isn't the case with flood damage.
South Carolina's flooding isn't confined to the state's coast. Since the state is comparably low-lying to most of the rest of the United States, it's at risk of inland flooding near its waterways. If your home is in danger of flooding, you can purchase a separate flood insurance policy from the National Flood Insurance Program or a private seller if a policy is offered in your area.
Flood insurance can be expensive and comes with a waiting period if it's a federal policy, but we recommend getting protection if your home is at risk.
Does your homeowners insurance cover hail damage?
Homeowners insurance often protects your home from hail damage. This is good news for the state's homeowners because South Carolina has gotten approximately 104 hail storms per year since 2010. Typically, hail is named along with wind, fire, theft and other potential sources of damage in your policy's covered perils.
If you live in a part of the state that sees increased amounts of hail, your homeowners insurance policy may have special stipulations regarding hail. It's not uncommon for some companies to restrict when you can make claims for hail damage. For instance, you may be unable to make claims for any damage that's strictly cosmetic. You also may see higher rates after making hail claims, so it could be important to decide when it's worth it to repair damage and risk a rate increase.
South Carolina insurance rates: City-by-city breakdowns
The data we gathered allows us to show the prices of homeowners insurance for South Carolina's most populated cities. The city with the cheapest average cost of homeowners insurance is Greer, while the most expensive is Mount Pleasant.
The following table shows the average cost of homeowners insurance in South Carolina's 25 most populated cities.
% from statewide average
|Hilton Head Island||$2,970||28%|
We collected homeowners insurance quotes from each of South Carolina's ZIP codes for this study. The sample property was built in 1986, which is the median year owner-occupied homes were built in the state, and it was worth $161,800 to align with South Carolina's median home price.
This survey includes quotes from:
- State Farm
- Liberty Mutual
- South Carolina Farm Bureau
- Auto-Owners Insurance Co.
ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes may be different.