The 4 Best Homeowners Insurance Companies in South Carolina

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Flooding and hurricanes in South Carolina force homeowners there to pay higher than average home insurance premiums. The average annual rate in South Carolina is $1,402, which is 14 percent above the U.S. average of $1,228, according to Insurance.com. Where you live in South Carolina makes a huge difference, however, and residents of each South Carolina city or town face specific rate factors and challenges that affect their insurance costs.

In order to be confident that you’re receiving the lowest rates with maximum coverage to hedge against the risks most prevalent in your area, do your research before selecting a homeowners insurance provider. To assist in your search, we’ve outlined our top picks for South Carolina homeowners insurance companies and provided a quote tool to gauge and compare policies.

Our Top Picks for Best Homeowners Insurance in South Carolina

  • Allied Insurance
  • Allstate
  • South Carolina Farm Bureau
  • The Hartford


Find the Best Home Insurance

Enter your ZIP code below and be sure to click at least 2-3 companies to find the very best rate.

Allied Insurance

Founded in 1929 and backed by an A+ rating from A.M. Best, Allied is owned by Nationwide but is available through independent local agents who understand the needs of the areas they serve and can assist in crafting customized homeowner insurance plans.

Standard homeowners insurance from Allied provides protection in the event of fire and lightning, windstorms, smoke damage, freeze damage and theft, as well as liability coverage for any injury or harm that occurs on the insured property. They offer extra coverage, too. These include things such as living expenses you incur when you can no longer live in your home, repairs that will protect your home after damage, fees to replace trees, and fire department service charges.

Allied also provides the convenience of insurance for non-primary residences such as seasonal homes, allowing you to pay lower premiums for the Allied fire insurance plan and giving you peace of mind without the high cost.

Allied does not currently offer an online quote estimate, but you can use its agent locator to easily find and contact a representative in your area.

Allstate

Allstate has a wide array of coverage and discount options, award-winning customer service and claims departments, as well as lower-than-average rates for homeowners insurance in South Carolina. It also has a superior A+ financial rating from A.M. Best, which places Allstate in the top tier for homeowners insurance companies.

Notable features of the Allstate policy include the option to insure non-standard dwellings, such as mobile homes and older homes, as well as the Claim RateGuard optional add-on, which guarantees that your premium rate won’t go up just because you filed a claim.

Allstate’s exclusive mobile app and web features, such as the Premium Gauge and Digital Locker tools, help you manage your policy and stay on top of your assets. The various educational resources and articles available on the Allstate website also give you a chance to learn about the options and specifics of your policy so that if disaster strikes and you have to file a claim, you have the knowledge and the tools you need to recover your possessions and handle the process successfully. Claims made through Allstate can be filed and tracked conveniently, either via phone, through your online account, using your mobile app, or by going directly to one of the hundreds of local offices.

South Carolina Farm Bureau

South Carolina Farm Bureau is an independently owned nonprofit that provides comprehensive insurance coverage to South Carolina customers at an affordable price. Insuring your home through the South Carolina Farm Bureau not only supports the local economy and the farmers in the state, it also provides you with personalized customer care and membership in the South Carolina Farm Bureau itself. With the membership comes exclusive discounts on insurance, automobiles, farm equipment and travel. Visit the South Carolina Farm Bureau website to learn more about membership and member benefits.

Its homeowners insurance covers most dwellings for natural disasters such as floods, hurricanes, winter storms and more. Bundling home and auto policies can save you 10 percent. You can save more for having security and fire alarms and for being claim-free for at least five years. You can also insure personal property in your home, such as artwork, and there are additional coverage options for earthquakes, floods, boats and all-terrain vehicles, as well as an umbrella policy.

Although the South Carolina Farm Bureau doesn’t have online or mobile tools available, the company has over 200 local agents, more than 100 local claims professionals, multiple drive-in claims service centers, and a 24/7 hotline to report claims or get assistance, making the process hassle-free.

The Hartford

With consistently high customer satisfaction reviews and an outstanding claims department, The Hartford is becoming a top competitor in the South Carolina homeowners insurance market. It has a superior A+ financial strength rating from A.M Best and an A+ from S&P Global. The Hartford offers customizable coverage packages that can fit the specific needs of your home and budget, allowing you to choose the optimal level of protection without overpaying.

Insuring with The Hartford and bundling your homeowners policy with your auto insurance will also get you up to 20 percent off your premium (You’ll receive 5 percent off the car insurance premium, as well). Other discount options include price breaks for upgrading your home security or for being an AARP member.

If the unfortunate time comes to file a claim, you can do so with ease using The Hartford’s online portal or by calling its 24/7 claims line. And, according to multiple user reviews, you can rest assured that your request will be processed efficiently and professionally.

How much is homeowners insurance in South Carolina?

At $1,402, South Carolina’s average annual homeowners insurance premium is $174 higher than the national average of $1,228. Due to rate factors, your premium will change depending on where you’re located in the state, however.

South Carolina Rate Factors

South Carolina has endured five major hurricanes over the past 30 years, including the devastating Hurricane Hugo of 1989. In September 2018, the state was hit by Hurricane Florence. Every year South Carolina’s tropical weather brings in fresh warnings of storms forming off the African coast. Though not all of them turn into hurricanes, there are enough of them to push the state’s average premium past the national average.

The 4 Best South Carolina Homeowners Insurance Companies

  • Allied Insurance
  • Allstate
  • South Carolina Farm Bureau
  • The Hartford


Find the Best Home Insurance

Enter your ZIP code below and be sure to click at least 2-3 companies to find the very best rate.

Want to learn more about homeowners insurance? Check out our Guide to Home Insurance as well as our top overall picks for the Best Home Insurance for 2019.