Home insurance in South Carolina*
Protect your home with top-rated coverage that could save you money.
Get affordable home insurance in 3 simple steps
Whether you do it yourself online or speak with one of our friendly representatives over the phone, Kin makes it easy to find coverage.
Property info
Customize your quote
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Tell us about your home.
Answer a few basic questions and we’ll generate your home insurance quote in minutes.
Personalize your policy.
Customize your coverages, limits, and deductibles to get the protection you need at a price that fits your budget.
Get covered.
Review your quote and sign your application online. Our licensed agents are here to help if you have any questions!
What does homeowners insurance cover in South Carolina?
Rest easy knowing your coverage protects what matters most.
Dwelling coverage
for the actual structure of your home, inside and out.
Other structures
for things like your detached garage or shed.
Personal property
for your personal belongings that make your house a home.
Loss of use
for additional living expenses when a covered loss forces you to temporarily relocate.
Personal liability
if you accidentally cause someone bodily injury or property damage.
Medical payments
if a guest is injured on your property.
Discounts available in South Carolina
The average cost of home insurance has increased to $1,432 per year in South Carolina, but you can save money by protecting your home, avoiding damage, and selecting sustainable options.
Home security - for installing security and fire alarms.
Wind mitigation - the more wind-proof your home, the better.
Water detection - because no one wants a flooded home.
Claims-free - for keeping your home safe over the years.
Electronic policy - for reducing your carbon footprint by saving some paper.
Why you'll love Kin
From small claims to disasters, we're here to help you recover quickly.
Here to help
We reach out before and after major weather events to make sure you’re okay — and to assist if you need to file a claim.
24/7 claims support
Easily file a claim over the phone with a member of our support team or online in your Customer Portal.
5-star care
Our licensed insurance experts are available to help via email, phone, or live chat.
We've got South Carolina covered.
We help South Carolinians find coverage across the entire Palmetto State!
While we sell policies in every county in South Carolina, including these major cities:
Charleston
Columbia
Florence
Greenville
Mount Pleasant
Myrtle Beach
North Charleston
Rock Hill
Common questions about South Carolina home insurance
What’s the average cost of home insurance in South Carolina?
The average cost of South Carolina home insurance premiums is $1,432 per year, according to the latest data from the National Association of Insurance Commissioners in 2021, but many states have seen significant price increases since then. Because of the high risk of natural disasters like hurricanes and severe thunderstorms, South Carolina’s home insurance premiums are slightly higher than the national average. However, the cost of your premium depends on your home’s exact location and other characteristics.
Is home insurance required in South Carolina?
No, home insurance isn’t required by law in any state, but almost all mortgage lenders require proof of home insurance before providing a home loan. Even if your mortgage lender doesn’t require home insurance, it’s a good financial investment that can save you thousands of dollars in out-of-pocket repair costs.
What factors affect home insurance rates in South Carolina?
Like many southeastern states, South Carolina’s home insurance rates are impacted by annual hurricane risks, as well as severe thunderstorms and hail. The cost of your own home insurance will depend on where you live in the state, the age of your home, your home’s characteristics, and other factors.
What type of home insurance coverages are recommended in South Carolina?
Though it’s sometimes referred to as hurricane insurance, South Carolina homeowners should check to ensure their home insurance policies include coverage for wind damage caused by hurricanes. The policies we offer automatically include wind damage coverage.
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