South Carolina Home Insurance
As one of the Gulf States, South Carolina can be home to some very serious storms. As a homeowner living along the Gulf Coast, you probably want to protect one of largest investments you'll ever make by investing in additional flood insurance. In addition to just flooding, hurricanes can cause damaging hail and wind damage, so before the next big storm hits, it's important to make sure your homeowners insurance policy has your home and belongings covered.
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A common mistake many homeowners make when purchasing homeowners insurance – especially in hurricane prone states such as South Carolina - is not buying enough coverage. One major step in determining what policy would be best to completely protect you and your home is to determine what it would cost to replace your house. Your insurance agent is a good place to begin to help you figure this out since most agents have charts that determine home replacement costs.
When you are requesting a rate quote, keep in mind that the three most common types of homeowners insurance coverage are HO-1, HO-2, and HO-3. HO-1 is the most basic form of homeowner's insurance and has actually been discontinued in many states because of its lack of coverage. HO-2 coverage will protect you from everything HO-1 will, plus five more disasters, including damage from water or freezing (pipes/plumbing) which could be important during the freezing South Carolina winters. The most popular coverage is the HO-3 policy, which takes all the coverage of HO-2 and adds liability coverage for accidents that happen in your home to guests.
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In addition to one of the above policies, homeowners in South Carolina buying homeowners insurance will most likely want to purchase additional flood damage and high wind insurance. Although it will most likely cause your premiums to increase, it can save you from financial ruin in the long run. Often times water damage that is caused by a broken pipe will be covered, while the more extensive damage caused by heavy rains will not. Don't get caught in the middle of hurricane season without the proper coverage – request a rate quote today to make sure you are protected tomorrow.
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