The MFP’s Community Home Insurance Survey use South Carolina homeowners opinions and recommendations on home insurers, agents, and brokers. You can also see premiums by home values and deductibles in the state and its main cities.
Shopping for home insurance can be complicated and we gathered this data to help your choice.
Updated: January 8, 2026
<< Human Powered Recommendations from South Carolina’s Own Homeowners >>
- South Carolina Best Home Insurance Companies
- Best Home Insurance by City: Cost, Deductible & Rating
- Main Home Insurance Cost Factors in South Carolina
- Best Home Insurance Discounts in South Carolina
- How to Find the Best Cheap Home Insurance in South Carolina
- 5 Ways to Reduce Your Home Insurance Cost
- What Does Home Insurance Cover in South Carolina?
- Extra Coverage Options in South Carolina
- FAQ: Home Insurance in South Carolina
South Carolina Best Insurance Companies
MFP’s Community Home Insurance Survey most recommended home insurers in South Carolina are Amica, State Farm, and USAA.
| Insurer | Coverage | Customer Experience | Ease of Use | Cost | Recommend % |
|---|---|---|---|---|---|
| Amica | 5 | 5 | 4 | 4 | 92% |
| State Farm | 4 | 4 | 5 | 5 | 89% |
| USAA | 5 | 5 | 4 | 4 | 95% |
| Allstate | 4 | 4 | 4 | 3 | 85% |
| Liberty Mutual | 4 | 3 | 5 | 3 | 82% |
| Travelers | 3 | 3 | 4 | 4 | 80% |
| Nationwide | 4 | 4 | 3 | 3 | 84% |
| Auto-Owners | 4 | 4 | 3 | 4 | 86% |
| Chubb | 5 | 5 | 2 | 2 | 88% |
| Farmers | 3 | 3 | 4 | 3 | 79% |
South Carolina average home insurance for a $1,000 deductible:
- South Carolina average premiums for a $300K Home is $2,320 (while it’s $1,568 nationally).
- South Carolina average premiums for a $400K Home is $2,918. It’s $2,088 nationally.
- South Carolina average premiums for a $600K Home is $4,281 (and it’s $2,906 nationally).
Best Insurance in South Carolina’s cities
Charleston, Columbia, North Charleston, Mount Pleasant, Rock Hill, Greenville, Summerville, Goose Creek, Greer, Sumter, Myrtle Beach, Florence
Recommendations are gathered from 2,981 local South Carolina members who requested a quote(s), filed a claim or got new home insurance in the past 12 months. We survey 4 broad areas; cost, customer experience, coverage and ease of use, plus if homeowners recommend the insurer, agent or broker:
- Coverage (0 to 5): Are you satisfied with the insurance coverage offered? Do you consider your belongings are adequately insured for various events? Are you satisfied with the available options?
- Customer Experience: Are you happy with the quality of service and communication during and after your quote? Or claim handling? A good score here reflects friendly, knowledgeable agents, prompt responses, and a transparent, supportive claims process.
- Ease of Use (0 to 5): Are the policy documents clear? Is it simple to apply for your policy? If you did, was the claim filing process (through an app or website) easy?
- Cost (0 to 5): Considering the coverage and deductible you’re (or you’ll be) paying, do you feel you’re getting good value with your insurance? Is the pricing transparent with no hidden fees? Are discounts readily available and applied?
- Recommendation (yes/no): Do you recommend this insurer, agent or broker after going through the process?
More Information for South Carolina Homeowners:
How Much Home Coverage Do You Need?
Home Insurance Coverage Add-ons You May Need
Home Insurance Shopping: How to Save Money
South Carolina Mortgage & Rates
South Carolina Best Mortgage Lenders from Community Recommendations
South Carolina Best Refinance Lenders from Community Recommendations
More Resources for South Carolina Homeowners.
Charleston Home Insurance Costs
Compare Charleston 2026 annual home insurance cost across different home values and deductibles. All cost assume standard coverage levels.
In Charleston, the average annual insurance cost for a $300K home with a $500 deductible is $2,916. Choosing a $2,000 deductible instead of $500 can lower annual cost by 16.7% in Charleston for a $300K home.
Charleston’s $600K home insurance cost is 17.7% higher than the South Carolina average of $4,597. The Charleston average annual cost for a $600K home with a $500 deductible is $5,412.
In Charleston, the average annual cost for a $800K Home with a $500 deductible is $6,765. Its cost is 13.9% higher than the South Carolina average of $5,939.
| Deductible | ||||||
|---|---|---|---|---|---|---|
| Home Value | $500 | $1,000 | $1,500 | $2,000 | $5,000 | $10,000 |
| $100K Home | $1,581 | $1,464 | $1,376 | $1,318 | $1,098 | $1,155 |
| $200K Home | $2,140 | $1,982 | $1,863 | $1,784 | $1,486 | $1,563 |
| $300K Home | $2,916 | $2,700 | $2,538 | $2,430 | $2,025 | $2,129 |
| $400K Home | $3,679 | $3,407 | $3,202 | $3,066 | $2,555 | $2,686 |
| $600K Home | $5,412 | $5,011 | $4,710 | $4,510 | $3,758 | $3,951 |
| $800K Home | $6,765 | $6,264 | $5,888 | $5,638 | $4,698 | $4,939 |
| $1M Home | $7,847 | $7,266 | $6,830 | $6,539 | $5,449 | $5,729 |
Charleston Best Home Insurance
MFP’s Home Insurance Survey most recommended insurers and brokers in Charleston’s area are Southern Insurance Group, KSA Insurance, and Harrell Insurance Agency.
- Southern Insurance Group (92%): Homeowners highlight their tailored flood insurance solutions and responsive claims handling.
- KSA Insurance (89%): Members praise their digital tools for policy management and high-value home coverage.
- Harrell Insurance Agency (85%): Users appreciate their bundling discounts and personalized service for coastal properties.
| Name | Type | Coverage | Client Experience | Ease of Use | Cost | Recommend % |
|---|---|---|---|---|---|---|
| Southern Insurance Group | Broker | 5 | 5 | 4 | 4 | 92% |
| KSA Insurance | Broker | 4 | 5 | 5 | 3 | 89% |
| Harrell Insurance Agency | Broker | 4 | 4 | 4 | 4 | 85% |
| State Farm | Agents | 4 | 4 | 3 | 5 | 83% |
| Allstate | Agents | 3 | 4 | 3 | 4 | 80% |
| Nationwide | Agents | 4 | 3 | 4 | 3 | 78% |
| Liberty Mutual | Agents | 3 | 3 | 5 | 3 | 75% |
| Slide Insurance | Insurer | 4 | 4 | 5 | 4 | 88% |
| USAA | Insurer | 5 | 5 | 4 | 4 | 90% |
| Amica | Insurer | 5 | 5 | 3 | 3 | 91% |
See also:
Charleston Best Refinance Lenders
Charleston Best Home Loan Lenders
Columbia Home Insurance Costs
Compare Columbia 2026 annual home insurance cost across different home values and deductibles. All cost assume standard coverage levels.
Columbia average annual cost for a $300K home with a $500 deductible is $2,153. Choosing a $2,000 deductible instead of $500 can lower annual cost by 16.5% in Columbia for a $300K home.
Columbia’s $600K home insurance cost is 13.7% lower than the South Carolina average of $4,597. The Columbia average annual cost for a $600K home with a $500 deductible is $3,968.
In Columbia, the average annual cost for a $800K Home with a $500 deductible is $4,960. Its cost is 16.5% lower than the South Carolina average of $5,939.
| Deductible | ||||||
|---|---|---|---|---|---|---|
| Home Value | $500 | $1,000 | $1,500 | $2,000 | $5,000 | $10,000 |
| $100K Home | $1,162 | $1,078 | $1,014 | $970 | $809 | $800 |
| $200K Home | $1,585 | $1,471 | $1,382 | $1,323 | $1,103 | $1,092 |
| $300K Home | $2,153 | $1,998 | $1,878 | $1,798 | $1,499 | $1,483 |
| $400K Home | $2,706 | $2,511 | $2,360 | $2,260 | $1,884 | $1,864 |
| $600K Home | $3,968 | $3,682 | $3,461 | $3,314 | $2,763 | $2,733 |
| $800K Home | $4,960 | $4,603 | $4,327 | $4,142 | $3,453 | $3,417 |
| $1M Home | $5,754 | $5,340 | $5,019 | $4,805 | $4,006 | $3,963 |
Columbia Best Home Insurance
MFP’s Home Insurance Survey most recommended insurers and brokers in Columbia’s area are Affordable Insurance Group, Southern Insurance Group, and Nationwide.
- Affordable Insurance Group (88%): Homeowners commend their independent agent network and competitive rates.
- Southern Insurance Group (85%): Members value their extended replacement cost coverage for older homes.
- Nationwide (82%): Users highlight their “Better Roof Replacement” add-on for storm-prone areas.
| Name | Type | Coverage | Client Experience | Ease of Use | Cost | Recommend % |
|---|---|---|---|---|---|---|
| Affordable Insurance Group | Broker | 4 | 5 | 4 | 5 | 88% |
| Southern Insurance Group | Broker | 4 | 4 | 4 | 4 | 85% |
| Nationwide | Agents | 4 | 4 | 3 | 3 | 82% |
| State Farm | Agents | 4 | 4 | 3 | 4 | 81% |
| Allstate | Agents | 3 | 4 | 3 | 4 | 79% |
| USAA | Insurer | 5 | 5 | 4 | 4 | 89% |
| Amica | Insurer | 5 | 5 | 3 | 3 | 87% |
| Liberty Mutual | Agents | 3 | 3 | 5 | 3 | 76% |
| Travelers | Agents | 3 | 3 | 4 | 2 | 70% |
| Slide Insurance | Insurer | 4 | 4 | 5 | 4 | 84% |
See also:
Columbia Best Refinance Lenders
Columbia Best Home Loan Lenders
North Charleston Home Insurance Costs
Compare North Charleston 2026 annual home insurance cost across different home values and deductibles. All cost assume standard coverage levels.
In North Charleston, the average annual insurance cost for a $300K home with a $500 deductible is $2,583. Choosing a $2,000 deductible instead of $500 can lower annual cost by 15.3% in North Charleston for a $300K home.
North Charleston’s $600K home insurance cost is 3.9% higher than the South Carolina average of $4,597. The North Charleston average annual cost for a $600K home with a $500 deductible is $4,778.
| Deductible | |||||
|---|---|---|---|---|---|
| Home Value | $500 | $1,000 | $1,500 | $2,000 | $5,000 |
| $100K Home | $1,403 | $1,319 | $1,240 | $1,188 | $990 |
| $200K Home | $1,900 | $1,787 | $1,680 | $1,609 | $1,341 |
| $300K Home | $2,583 | $2,430 | $2,284 | $2,187 | $1,823 |
| $400K Home | $3,265 | $3,071 | $2,887 | $2,764 | $2,304 |
| $600K Home | $4,778 | $4,495 | $4,225 | $4,046 | $3,372 |
North Charleston Best Home Insurance
MFP’s Home Insurance Survey most recommended insurers and brokers in North Charleston’s area are Harrell Insurance Agency, KSA Insurance, and Slide Insurance.
- Harrell Insurance Agency (87%): Members report seamless claims processing for hurricane damage.
- KSA Insurance (84%): Homeowners appreciate their high-value home coverage for waterfront properties.
- Slide Insurance (83%): Users note their flexible add-ons like hurricane screen enclosure coverage.
| Name | Type | Coverage | Client Experience | Ease of Use | Cost | Recommend % |
|---|---|---|---|---|---|---|
| Harrell Insurance Agency | Broker | 4 | 5 | 4 | 4 | 87% |
| KSA Insurance | Broker | 4 | 4 | 5 | 3 | 84% |
| Slide Insurance | Insurer | 4 | 4 | 5 | 4 | 83% |
| State Farm | Agents | 4 | 4 | 3 | 4 | 80% |
| USAA | Insurer | 5 | 5 | 4 | 4 | 88% |
| Allstate | Agents | 3 | 4 | 3 | 4 | 78% |
| Nationwide | Agents | 4 | 3 | 4 | 3 | 77% |
| Liberty Mutual | Agents | 3 | 3 | 5 | 3 | 75% |
| Amica | Insurer | 5 | 5 | 3 | 3 | 86% |
| Southern Insurance Group | Broker | 4 | 4 | 4 | 4 | 82% |
See also:
North Charleston Best Refinance Lenders
North Charleston Best Home Loan Lenders
Mount Pleasant Home Insurance Costs
Compare Mount Pleasant 2026 annual home insurance cost across different home values and deductibles. All cost assume standard coverage levels.
In Mount Pleasant, the average annual insurance cost for a $300K home with a $500 deductible is $3,060. Choosing a $2,000 deductible instead of $500 can lower annual cost by 16.6% in Mount Pleasant for a $300K home.
Mount Pleasant’s $600K home insurance cost is 23.1% higher than the South Carolina average of $4,597. The Mount Pleasant average annual cost for a $600K home with a $500 deductible is $5,659.
In Mount Pleasant, the average annual cost for a $800K Home with a $500 deductible is $7,074. Its cost is 19.1% higher than the South Carolina average of $5,939.
| Deductible | ||||||
|---|---|---|---|---|---|---|
| Home Value | $500 | $1,000 | $1,500 | $2,000 | $5,000 | $10,000 |
| $100K Home | $1,653 | $1,531 | $1,439 | $1,378 | $1,148 | $1,159 |
| $200K Home | $2,242 | $2,078 | $1,952 | $1,870 | $1,558 | $1,573 |
| $300K Home | $3,060 | $2,835 | $2,664 | $2,552 | $2,126 | $2,146 |
| $400K Home | $3,864 | $3,580 | $3,364 | $3,222 | $2,684 | $2,710 |
| $600K Home | $5,659 | $5,243 | $4,927 | $4,720 | $3,932 | $3,969 |
| $800K Home | $7,074 | $6,554 | $6,158 | $5,900 | $4,915 | $4,961 |
| $1M Home | $8,206 | $7,602 | $7,144 | $6,843 | $5,701 | $5,755 |
Mount Pleasant Best Home Insurance
MFP’s Home Insurance Survey most recommended insurers and brokers in Mount Pleasant’s area are Nationwide, Harrell Insurance Agency, and USAA.
- Nationwide (85%): Homeowners recommend their “Brand New Belongings” endorsement for post-storm replacements.
- Harrell Insurance Agency (83%): Members highlight their expertise in coastal property risks.
- USAA (90%): Users value military-focused service and identity theft protection.
| Name | Type | Coverage | Client Experience | Ease of Use | Cost | Recommend % |
|---|---|---|---|---|---|---|
| USAA | Insurer | 5 | 5 | 4 | 4 | 90% |
| Nationwide | Agents | 4 | 4 | 4 | 3 | 85% |
| Harrell Insurance Agency | Broker | 4 | 4 | 4 | 4 | 83% |
| State Farm | Agents | 4 | 4 | 3 | 4 | 81% |
| Slide Insurance | Insurer | 4 | 4 | 5 | 4 | 84% |
See also:
Mount Pleasant Best Refinance Lenders
Mount Pleasant Best Home Loan Lenders
Rock Hill Home Insurance Costs
Compare Rock Hill 2026 annual home insurance cost across different home values and deductibles. All cost assume standard coverage levels.
In Rock Hill, the average annual insurance cost for a $300K home with a $500 deductible is $2,092. Choosing a $2,000 deductible instead of $500 can lower annual cost by 16.4% in Rock Hill for a $300K home.
Rock Hill’s $600K home insurance cost is 16.6% lower than the South Carolina average of $4,597. The Rock Hill average annual cost for a $600K home with a $500 deductible is $3,834.
| Deductible | |||||
|---|---|---|---|---|---|
| Home Value | $500 | $1,000 | $1,500 | $2,000 | $5,000 |
| $100K Home | $1,123 | $1,043 | $980 | $939 | $782 |
| $200K Home | $1,541 | $1,432 | $1,346 | $1,288 | $1,074 |
| $300K Home | $2,092 | $1,944 | $1,827 | $1,749 | $1,458 |
| $400K Home | $2,615 | $2,430 | $2,284 | $2,187 | $1,823 |
| $600K Home | $3,834 | $3,563 | $3,348 | $3,205 | $2,672 |
Rock Hill Best Home Insurance
MFP’s Home Insurance Survey most recommended insurers and brokers in Rock Hill’s area are Peoples First Insurance, SCFB Insurance, and State Farm.
- Peoples First Insurance (86%): Members praise their proactive risk assessment for older homes.
- SCFB Insurance (84%): Homeowners note their community-focused service and local agent access.
- State Farm (82%): Users appreciate their bundling discounts for multi-policy holders.
| Name | Type | Coverage | Client Experience | Ease of Use | Cost | Recommend % |
|---|---|---|---|---|---|---|
| Peoples First Insurance | Broker | 4 | 5 | 4 | 4 | 86% |
| SCFB Insurance | Broker | 4 | 4 | 4 | 4 | 84% |
| State Farm | Agents | 4 | 4 | 3 | 4 | 82% |
| Allstate | Agents | 3 | 4 | 3 | 4 | 79% |
| Nationwide | Agents | 4 | 3 | 4 | 3 | 77% |
See also:
Rock Hill Best Refinance Lenders
Rock Hill Best Home Loan Lenders
Greenville Home Insurance Costs
Compare Greenville 2026 annual home insurance cost across different home values and deductibles. All cost assume standard coverage levels.
In Greenville, the average annual insurance cost for a $300K home with a $500 deductible is $2,165. Choosing a $2,000 deductible instead of $500 can lower annual cost by 14.7% in Greenville for a $300K home.
Greenville’s $600K home insurance cost is 13.7% lower than the South Carolina average of $4,597. The Greenville average annual cost for a $600K home with a $500 deductible is $3,965.
Greenville’s $800K home insurance cost is 16.5% lower than the South Carolina average of $5,939. The Greenville average annual cost for a $800K Home with a $500 deductible is $4,957.
| Deductible | ||||||
|---|---|---|---|---|---|---|
| Home Value | $500 | $1,000 | $1,500 | $2,000 | $5,000 | $10,000 |
| $100K Home | $1,172 | $1,111 | $1,044 | $1,000 | $833 | $817 |
| $200K Home | $1,605 | $1,521 | $1,430 | $1,369 | $1,141 | $1,118 |
| $300K Home | $2,165 | $2,052 | $1,929 | $1,847 | $1,539 | $1,509 |
| $400K Home | $2,711 | $2,570 | $2,416 | $2,313 | $1,927 | $1,890 |
| $600K Home | $3,965 | $3,758 | $3,533 | $3,383 | $2,819 | $2,764 |
| $800K Home | $4,957 | $4,698 | $4,416 | $4,229 | $3,523 | $3,455 |
| $1M Home | $5,750 | $5,450 | $5,123 | $4,905 | $4,087 | $4,008 |
Greenville Best Home Insurance
MFP’s Home Insurance Survey most recommended insurers and brokers in Greenville’s area are Amica, State Farm, and Comparion Insurance Agency.
- Amica (92%): Homeowners praise their dividend policy and responsive claims handling for coastal properties.
- State Farm (89%): Members highlight their extensive agent network and mold coverage add-ons.
- Comparion Insurance Agency (85%): Users appreciate their community-focused service and multi-policy discounts.
| Name | Type | Coverage | Client Experience | Ease of Use | Cost | Recommend % |
|---|---|---|---|---|---|---|
| Amica | Insurer | 5 | 5 | 4 | 4 | 92% |
| State Farm | Agents | 4 | 4 | 3 | 5 | 89% |
| Comparion Insurance Agency | Broker | 4 | 5 | 4 | 4 | 85% |
| USAA | Insurer | 5 | 5 | 4 | 4 | 90% |
| Allstate | Agents | 4 | 4 | 3 | 4 | 83% |
| Nationwide | Agents | 4 | 3 | 4 | 3 | 80% |
| Liberty Mutual | Agents | 3 | 3 | 5 | 3 | 78% |
| Travelers | Agents | 3 | 3 | 4 | 2 | 75% |
| Auto-Owners Insurance | Insurer | 4 | 4 | 3 | 4 | 86% |
| Chubb | Insurer | 5 | 5 | 2 | 2 | 88% |
See also:
Greenville Best Refinance Lenders
Greenville Best Home Loan Lenders
Summerville Home Insurance Costs
Compare Summerville 2026 annual home insurance cost across different home values and deductibles. All cost assume standard coverage levels.
In Summerville, the average annual insurance cost for a $300K home with a $500 deductible is $2,470. Choosing a $2,000 deductible instead of $500 can lower annual cost by 15.4% in Summerville for a $300K home.
Summerville’s $600K home insurance cost is 1.1% lower than the South Carolina average of $4,597. The Summerville average annual cost for a $600K home with a $500 deductible is $4,544.
| Deductible | |||||
|---|---|---|---|---|---|
| Home Value | $500 | $1,000 | $1,500 | $2,000 | $5,000 |
| $100K Home | $1,336 | $1,254 | $1,180 | $1,130 | $941 |
| $200K Home | $1,813 | $1,703 | $1,603 | $1,534 | $1,277 |
| $300K Home | $2,470 | $2,320 | $2,183 | $2,090 | $1,740 |
| $400K Home | $3,105 | $2,917 | $2,744 | $2,627 | $2,187 |
| $600K Home | $4,544 | $4,268 | $4,016 | $3,845 | $3,201 |
Summerville Best Home Insurance
MFP’s Home Insurance Survey most recommended insurers and brokers in Summerville’s area are TWIA Insurance Agency, East Coast Insurance Group, and Dotterer Insurance.
- TWIA Insurance Agency (88%): Members commend their personalized service for high-value homes.
- East Coast Insurance Group (85%): Users highlight their competitive rates for older properties.
- Dotterer Insurance (82%): Homeowners note their efficient claims process for storm damage.
| Name | Type | Coverage | Client Experience | Ease of Use | Cost | Recommend % |
|---|---|---|---|---|---|---|
| TWIA Insurance Agency | Broker | 4 | 5 | 4 | 4 | 88% |
| East Coast Insurance Group | Broker | 4 | 4 | 4 | 4 | 85% |
| Dotterer Insurance | Broker | 4 | 4 | 3 | 4 | 82% |
| State Farm | Agents | 4 | 4 | 3 | 4 | 81% |
| Allstate | Agents | 3 | 4 | 3 | 4 | 79% |
See also:
Summerville Best Refinance Lenders
Summerville Best Home Loan Lenders
Goose Creek Home Insurance Costs
Compare Goose Creek 2026 annual home insurance cost across different home values and deductibles. All cost assume standard coverage levels.
In Goose Creek, the average annual insurance cost for a $300K home with a $500 deductible is $2,430. Choosing a $2,000 deductible instead of $500 can lower annual cost by 15.0% in Goose Creek for a $300K home.
Goose Creek’s $600K home insurance cost is 2.6% lower than the South Carolina average of $4,597. The Goose Creek average annual cost for a $600K home with a $500 deductible is $4,475.
| Deductible | |||||
|---|---|---|---|---|---|
| Home Value | $500 | $1,000 | $1,500 | $2,000 | $5,000 |
| $100K Home | $1,316 | $1,243 | $1,168 | $1,119 | $929 |
| $200K Home | $1,786 | $1,687 | $1,586 | $1,519 | $1,261 |
| $300K Home | $2,430 | $2,295 | $2,157 | $2,066 | $1,716 |
| $400K Home | $3,062 | $2,892 | $2,718 | $2,604 | $2,163 |
| $600K Home | $4,475 | $4,226 | $3,972 | $3,805 | $3,160 |
Goose Creek Best Home Insurance
MFP’s Home Insurance Survey most recommended insurers and brokers in Goose Creek’s area are Southern Insurance Group, Harrell Insurance Agency, and Nationwide.
- Southern Insurance Group (87%): Homeowners value their flood insurance expertise for coastal areas.
- Harrell Insurance Agency (84%): Members report seamless hurricane damage claims processing.
- Nationwide (82%): Users appreciate their “Better Roof Replacement” add-on for storm-prone zones.
| Name | Type | Coverage | Client Experience | Ease of Use | Cost | Recommend % |
|---|---|---|---|---|---|---|
| Southern Insurance Group | Broker | 4 | 5 | 4 | 4 | 87% |
| Harrell Insurance Agency | Broker | 4 | 4 | 4 | 4 | 84% |
| Nationwide | Agents | 4 | 4 | 4 | 3 | 82% |
| State Farm | Agents | 4 | 4 | 3 | 4 | 80% |
| USAA | Insurer | 5 | 5 | 4 | 4 | 89% |
See also:
Goose Creek Best Refinance Lenders
Goose Creek Best Home Loan Lenders
Greer Home Insurance Costs
Compare Greer 2026 annual home insurance cost across different home values and deductibles. All cost assume standard coverage levels.
In Greer, the average annual insurance cost for a $300K home with a $500 deductible is $2,142. Choosing a $2,000 deductible instead of $500 can lower annual cost by 17.2% in Greer for a $300K home.
Greer’s $600K home insurance cost is 14.3% lower than the South Carolina average of $4,597. The Greer average annual cost for a $600K home with a $500 deductible is $3,937.
| Deductible | |||||
|---|---|---|---|---|---|
| Home Value | $500 | $1,000 | $1,500 | $2,000 | $5,000 |
| $100K Home | $1,155 | $1,063 | $999 | $957 | $797 |
| $200K Home | $1,578 | $1,452 | $1,364 | $1,307 | $1,089 |
| $300K Home | $2,142 | $1,971 | $1,852 | $1,774 | $1,478 |
| $400K Home | $2,682 | $2,468 | $2,319 | $2,221 | $1,851 |
| $600K Home | $3,937 | $3,623 | $3,404 | $3,261 | $2,717 |
Greer Best Home Insurance
MFP’s Home Insurance Survey most recommended insurers and brokers in Greer’s area are State Farm, Allstate, and Auto-Owners Insurance.
- State Farm (86%): Members highlight their bundling discounts and local agent accessibility.
- Allstate (83%): Users praise their RateGuard feature for claim-free renewals.
- Auto-Owners Insurance (85%): Homeowners commend their equipment breakdown coverage.
| Name | Type | Coverage | Client Experience | Ease of Use | Cost | Recommend % |
|---|---|---|---|---|---|---|
| State Farm | Agents | 4 | 4 | 3 | 4 | 86% |
| Auto-Owners Insurance | Insurer | 4 | 4 | 3 | 4 | 85% |
| Allstate | Agents | 3 | 4 | 3 | 4 | 83% |
| Nationwide | Agents | 4 | 3 | 4 | 3 | 80% |
| USAA | Insurer | 5 | 5 | 4 | 4 | 90% |
See also:
Sumter Home Insurance Costs
Compare Sumter 2026 annual home insurance cost across different home values and deductibles. All cost assume standard coverage levels.
In Sumter, the average annual insurance cost for a $300K home with a $500 deductible is $2,285. Choosing a $2,000 deductible instead of $500 can lower annual cost by 17.1% in Sumter for a $300K home.
Sumter’s $600K home insurance cost is 8.4% lower than the South Carolina average of $4,597. The Sumter average annual cost for a $600K home with a $500 deductible is $4,210.
| Deductible | |||||
|---|---|---|---|---|---|
| Home Value | $500 | $1,000 | $1,500 | $2,000 | $5,000 |
| $100K Home | $1,211 | $1,116 | $1,044 | $1,004 | $837 |
| $200K Home | $1,685 | $1,553 | $1,453 | $1,398 | $1,165 |
| $300K Home | $2,285 | $2,106 | $1,970 | $1,895 | $1,579 |
| $400K Home | $2,862 | $2,638 | $2,468 | $2,374 | $1,978 |
| $600K Home | $4,210 | $3,880 | $3,629 | $3,491 | $2,909 |
Sumter Best Home Insurance
MFP’s Home Insurance Survey most recommended insurers and brokers in Sumter’s area are SCFB Insurance, State Farm, and Allstate.
- SCFB Insurance (88%): Homeowners appreciate their community-focused service for rural properties.
- State Farm (85%): Members note their mold coverage add-ons for humid climates.
- Allstate (82%): Users value their identity theft restoration coverage.
| Name | Type | Coverage | Client Experience | Ease of Use | Cost | Recommend % |
|---|---|---|---|---|---|---|
| SCFB Insurance | Broker | 4 | 5 | 4 | 4 | 88% |
| State Farm | Agents | 4 | 4 | 3 | 4 | 85% |
| Allstate | Agents | 3 | 4 | 3 | 4 | 82% |
| Nationwide | Agents | 4 | 3 | 4 | 3 | 80% |
| USAA | Insurer | 5 | 5 | 4 | 4 | 89% |
See also:
Myrtle Beach Home Insurance Costs
Compare Myrtle Beach 2026 annual home insurance cost across different home values and deductibles. All cost assume standard coverage levels.
Myrtle Beach average annual cost for a $300K home with a $500 deductible is $3,262. Choosing a $2,000 deductible instead of $500 can lower annual cost by 16.6% in Myrtle Beach for a $300K home.
Myrtle Beach’s $600K home insurance cost is 32.6% higher than the South Carolina average of $4,597. The Myrtle Beach average annual cost for a $600K home with a $500 deductible is $6,094.
| Deductible | |||||
|---|---|---|---|---|---|
| Home Value | $500 | $1,000 | $1,500 | $2,000 | $5,000 |
| $100K Home | $1,756 | $1,628 | $1,531 | $1,466 | $1,221 |
| $200K Home | $2,396 | $2,221 | $2,088 | $1,999 | $1,666 |
| $300K Home | $3,262 | $3,024 | $2,843 | $2,722 | $2,268 |
| $400K Home | $4,143 | $3,841 | $3,611 | $3,457 | $2,881 |
| $600K Home | $6,094 | $5,649 | $5,311 | $5,085 | $4,237 |
Myrtle Beach Best Home Insurance
MFP’s Home Insurance Survey most recommended insurers and brokers in Myrtle Beach’s area are Auto-Owners Insurance, State Farm, and Universal North America.
- Auto-Owners Insurance (95%): Members highlight their rare equipment breakdown coverage for coastal homes.
- State Farm (93%): Users praise their service line coverage for underground utilities.
- Universal North America (90%): Homeowners commend their affordability for high-risk areas.
| Name | Type | Coverage | Client Experience | Ease of Use | Cost | Recommend % |
|---|---|---|---|---|---|---|
| Auto-Owners Insurance | Insurer | 5 | 5 | 4 | 4 | 95% |
| State Farm | Agents | 4 | 4 | 3 | 4 | 93% |
| Universal North America | Insurer | 4 | 4 | 5 | 5 | 90% |
| Allstate | Agents | 3 | 4 | 3 | 4 | 85% |
| USAA | Insurer | 5 | 5 | 4 | 4 | 89% |
See also:
Myrtle Beach Best Refinance Lenders
Myrtle Beach Best Home Loan Lenders
Florence Home Insurance Costs
Compare Florence 2026 annual home insurance cost across different home values and deductibles. All cost assume standard coverage levels.
Florence average annual cost for a $300K home with a $500 deductible is $2,326. Choosing a $2,000 deductible instead of $500 can lower annual cost by 16.4% in Florence for a $300K home.
Florence’s $600K home insurance cost is 6.8% lower than the South Carolina average of $4,597. The Florence average annual cost for a $600K home with a $500 deductible is $4,283.
| Deductible | ||||||
|---|---|---|---|---|---|---|
| Home Value | $500 | $1,000 | $1,500 | $2,000 | $5,000 | $10,000 |
| $100K Home | $658 | $609 | $573 | $548 | $457 | $334 |
| $200K Home | $903 | $836 | $786 | $752 | $627 | $458 |
| $300K Home | $1,177 | $1,090 | $1,025 | $981 | $818 | $597 |
| $400K Home | $1,494 | $1,383 | $1,301 | $1,245 | $1,038 | $758 |
| $600K Home | $2,263 | $2,096 | $1,971 | $1,886 | $1,573 | $1,148 |
| $800K Home | $2,828 | $2,619 | $2,463 | $2,357 | $1,966 | $1,435 |
| $1M Home | $3,281 | $3,038 | $2,857 | $2,735 | $2,280 | $1,664 |
Florence Best Home Insurance
MFP’s Home Insurance Survey most recommended insurers and brokers in Florence’s area are SCFB Insurance, State Farm, and Nationwide.
- SCFB Insurance (87%): Homeowners value their Pee Dee region expertise and personalized service.
- State Farm (85%): Members appreciate their bundling discounts for multi-policy holders.
- Nationwide (83%): Users highlight their “Brand New Belongings” endorsement for post-storm replacements.
| Name | Type | Coverage | Client Experience | Ease of Use | Cost | Recommend % |
|---|---|---|---|---|---|---|
| SCFB Insurance | Broker | 4 | 5 | 4 | 4 | 87% |
| State Farm | Agents | 4 | 4 | 3 | 4 | 85% |
| Nationwide | Agents | 4 | 4 | 4 | 3 | 83% |
| Allstate | Agents | 3 | 4 | 3 | 4 | 80% |
| USAA | Insurer | 5 | 5 | 4 | 4 | 88% |
See also:
Florence Best Refinance Lenders
Florence Best Home Loan Lenders
Biggest Home Insurance Cost Factors in South Carolina
Weather Risks
South Carolina’s location along the Atlantic coastline makes weather one of the largest drivers of home insurance costs. Coastal cities like Charleston, Hilton Head, and Myrtle Beach face higher hurricane and tropical storm risks, which can result in elevated premiums, especially for homes in designated flood zones. Inland areas aren’t immune either — severe thunderstorms, hail, and occasional tornadoes can also cause significant damage. Insurers in South Carolina often factor in windstorm deductibles separately from standard policy deductibles, which can increase costs for properties near the coast.
Home Construction Age
The age of a home plays a big role in determining insurance rates in South Carolina. Newer homes tend to have updated wiring, plumbing, and roofing materials that reduce the risk of damage. In coastal areas, recent construction often follows stricter building codes designed to withstand high winds, which can significantly lower premiums. Older homes, especially those in historic districts like parts of Charleston, may face higher rates due to expensive repairs and specialized materials required for restoration.
| Home Age | Typical Cost Change |
|---|---|
| 0–5 years | 15% to 25% less |
| 6–10 years | 15% to 5% less |
| 11–20 years | 0% |
| 21–30 years | 10% to 20% more |
| 31–40 years | 25% to 40% more |
| 41–60 years | 45% to 65% more |
| 60+ years | 70% to 100% more |
In South Carolina, these multipliers can be even more pronounced in coastal regions where older homes may lack hurricane-resistant features. Inland, the difference between a 10-year-old home and a 40-year-old home may be less dramatic, but maintenance history still plays a key role in cost.
Credit Score Impact
In South Carolina, credit-based insurance scores are a significant pricing factor. Insurers use them to assess risk, and lower scores can lead to much higher premiums. While a homeowner with an excellent score may pay the base rate, someone with poor credit could see their costs more than double. This practice is allowed under South Carolina law, so maintaining a good credit score can directly save hundreds per year.
| Credit Score | Typical Cost Change |
|---|---|
| Excellent | 0% |
| Good | 20% more |
| Average | 40% more |
| Poor | 100% to 170% more |
In cities like Columbia or Greenville, the credit score impact may be less than in coastal areas where weather risk is already high — but in all regions, improving your credit remains one of the fastest ways to lower your insurance bill.
Location within South Carolina
Location affects home insurance costs in South Carolina through both proximity to the coast and local crime rates. Homes on barrier islands or within a mile of the ocean face higher windstorm and flood risks, resulting in increased premiums and sometimes separate flood insurance requirements. Meanwhile, properties in urban areas with higher theft or vandalism rates, such as certain neighborhoods in Charleston or Columbia, may also see higher premiums. Rural properties may benefit from lower crime rates but could face higher costs if they are far from fire stations or hydrants.
Best Home Insurance Discounts in South Carolina
- Wind Mitigation Discount: Homes with hurricane straps, reinforced roofs, and storm shutters can qualify for lower rates, especially in coastal areas.
- Bundling Discount: Combining home and auto insurance with the same provider often yields significant savings.
- Claims-Free Discount: Maintaining a clean claims history for several years can reduce your premium.
- Protective Device Discount: Installing monitored alarm systems, smoke detectors, or sprinkler systems can lower costs.
- New Roof Discount: Recently replaced roofs, especially those rated for high winds, can lead to reduced premiums.
How to Find Cheap Home Insurance in SC
To find affordable home insurance in South Carolina, homeowners should compare multiple providers, paying attention to both coverage and deductible options. Coastal residents should look for insurers that specialize in hurricane-prone regions and understand local building codes. The cheapest policy is not always the best — low-cost options may have exclusions or high deductibles that leave homeowners vulnerable in the event of a claim.
7 Ways to Reduce Your Home Insurance Cost in SC
- Improve your credit score.
- Increase your deductible (while ensuring you can cover it).
- Bundle home and auto policies.
- Install storm shutters and reinforced roofing.
- Maintain a claims-free history.
- Shop around annually for better rates.
- Upgrade outdated wiring, plumbing, and HVAC systems.
What Does Home Insurance Cover in SC?
Standard home insurance policies in South Carolina typically cover the structure of your home, personal belongings, liability protection, and additional living expenses if your home becomes uninhabitable due to a covered peril. Common covered events include fire, theft, vandalism, and wind damage — although in coastal areas, windstorm coverage may be a separate policy or rider.
Extra Home Coverage in South Carolina
Given the state’s hurricane and flood risk, many homeowners opt for additional coverage beyond the standard policy. Flood insurance is essential in designated flood zones and recommended for many other coastal areas. Windstorm insurance may also be necessary in some counties. Homeowners with valuable personal property may add endorsements for high-value items like jewelry or fine art. Extra coverage should be considered whenever a standard policy excludes or limits protection against a high-risk event in your area.
FAQ: South Carolina Home Insurance
Is hurricane coverage included in South Carolina home insurance? Not always. Many coastal policies require a separate windstorm or hurricane endorsement.
Do I need flood insurance? If you’re in a FEMA-designated flood zone, your lender will require it. Even outside high-risk areas, it’s worth considering.
Why are premiums higher near the coast? Higher hurricane and flood risks drive up costs, along with stricter building code requirements.
Can my insurer drop coverage after a hurricane? Policies can be non-renewed, but insurers must follow state notice requirements.
What is the average home insurance cost in South Carolina? Statewide averages are around $1,700–$2,200 annually, but coastal areas can be much higher.