South Carolina Home Insurance
South Carolina's average cost, dominant risk, and a free replacement-cost estimate — no signup, no quote spam.
Avg. annual premium
$2,000/yr
Dominant risk
Hurricane & coastal flood
Hazard tier
high
Estimate your South Carolina home insurance
Estimated annual home insurance
$2,867
Dwelling = sqft × rebuild cost. Doesn't include flood (NFIP) or earthquake (separate policies).
South Carolina home insurance: what to know
South Carolina’s coast faces frequent hurricanes and storm-surge flooding, with wind and flood often needing separate coverage.
Because South Carolina is a high-hazard state for hurricane & coastal flood, expect a separate wind/hail or catastrophe deductible and confirm whether you also need flood or earthquake coverage, which standard policies never include.
South Carolina home insurance FAQ
How much does home insurance cost in South Carolina?
Homeowners insurance in South Carolina averages roughly $2,000 per year, but your rate depends heavily on your home's rebuild cost, construction, claims history, and ZIP code. Use the estimator above and always compare at least three carriers.
What is the biggest home insurance risk in South Carolina?
The dominant natural risk in South Carolina is hurricane & coastal flood. South Carolina’s coast faces frequent hurricanes and storm-surge flooding, with wind and flood often needing separate coverage.
Does South Carolina home insurance cover floods and earthquakes?
No. Standard homeowners policies in South Carolina — like everywhere in the U.S. — exclude flood and earthquake damage. Flood coverage comes from a separate NFIP or private flood policy, and earthquake coverage requires a separate policy or endorsement. Given South Carolina's high-hazard profile, check whether you need either before a loss occurs.
How can I lower my home insurance in South Carolina?
Compare at least three carriers, bundle home and auto, and raise your deductible if you can cover it. In a high-hazard state, ask about wind/hail mitigation credits — a fortified roof, storm shutters, or impact glass can cut a hurricane & coastal flood-driven premium meaningfully. Always insure to full replacement cost — under-insuring to save a few dollars backfires at claim time.