South Carolina Home Insurance
From the Grand Strand to the Upstate, one licensed agency comparing many insurance companies for your home. Family-owned since 1977.
From the Grand Strand to the Upstate, one licensed agency comparing many insurance companies for your home. Family-owned since 1977.
The coast. Along the beaches, wind is the main question. Many companies limit or exclude wind and hail near the water. When that happens, the home can carry two policies: one for everything except wind, and a wind and hail policy from the South Carolina Wind and Hail Underwriting Association. State law created the association to make sure wind and hail coverage is available in the coastal area. That area includes all of Horry County east of U.S. 17 or the 17 Bypass, which covers most of the Grand Strand, plus defined parts of Georgetown, Charleston, Colleton and Beaufort counties. Hurricane deductibles are often a percentage of the dwelling limit. On a $400,000 home, a 5% deductible is $20,000 before the policy pays a storm claim.
Inland. Away from the beach, storms still reach South Carolina homes. After Helene in 2024, the Department of Insurance held insurance claims villages in Greenville, Aiken and Spartanburg County to help homeowners file claims. Flood from heavy rain and rivers isn't part of any standard homeowners policy, inland or on the coast.
SC Safe Home. The Department of Insurance runs a grant program that helps eligible coastal homeowners retrofit their homes against hurricane wind, with work like roof upgrades, opening protection and structural reinforcement. Grant amounts depend on the project type, and the program opens for applications on a schedule, so check before you start work.
Mitigation credits. In the coastal and seacoast areas, South Carolina law requires rating plans to include discounts and credits for mitigation features such as storm shutters and roof tie-downs. Ask what credits your home qualifies for, and keep the paperwork that proves the work was done.
Catastrophe savings accounts. South Carolina lets homeowners set money aside in a catastrophe savings account to cover a hurricane or flood deductible on their legal residence. Contributions and interest are deductible for South Carolina income tax, within the state's limits. Talk with your tax advisor about whether it fits you.
HO-3 is the most common homeowners form. HO-5 adds broader protection for your belongings and fits higher-value homes.
Covers your unit's interior, your belongings and your liability. The association's master policy covers the building, and the gap between the two is where condo owners get hurt.
Separate wind coverage for coastal homes where the main policy excludes it, including through the SC Wind and Hail Underwriting Association.
NFIP and private flood policies.
Dwelling policies for homes you rent out, and coverage for short-term rentals at the beach.
Extra liability above your home and auto, from $1 million.
Sizemore Insurance is licensed in South Carolina. We don't have an office in the state. We serve South Carolina homeowners by phone and online from our North Carolina offices, and your policy works the same way it would with a local agent.
Main number: (910) 791-1011
For geography: our Shallotte, North Carolina office sits a short drive from the north end of the Grand Strand, and our Charlotte office is near the York and Lancaster county line.
No state law requires it. If you have a mortgage, your lender will require it and will name itself on the policy.
It covers wind damage from a hurricane unless wind is excluded, which is common near the coast. It does not cover flood or storm surge. Coastal homes often need a separate wind and hail policy and a flood policy.
It's the common name for the South Carolina Wind and Hail Underwriting Association. State law created it to provide wind and hail coverage for homes and businesses in the defined coastal area when the regular market won't.
Usually not. Once a storm is named and likely to hit the area, companies typically stop writing new policies and coverage changes. Flood coverage through the NFIP also has a 30-day wait.
A Department of Insurance grant program that helps eligible coastal homeowners pay for wind-resistant upgrades. It opens for applications on a schedule, so check the program page before you start work.
No. We're licensed in South Carolina and handle quotes, policy changes and claims help by phone and online.
Every client works with a licensed Sizemore advisor. We compare more than 100 insurance companies and recommend the one that fits. Request a quote online in about two minutes, or call us at (910) 791-1011, Monday through Friday, 8:00 AM to 5:00 PM.