For South Carolina homeowners, our carrier partner offers House & Property insurance that can cover:

• The main dwelling.
• Other structures on the property (like the swimming pool or garage).
• Personal property (valuables).

Our flexible House & Property policies can cover homeowners whether they occupy the property or rent it out. For homeowners who live in the house they’re insuring, House & Property insurance may also cover your:

• Additional living costs if covered damage forces you to temporarily live elsewhere.
• Personal liability if someone sues over property damage or physical injuries.
• Guests’ immediate medical bills.

If you rent your home to others, then you can typically get some of your rental income covered when claims force your tenants to move temporarily.

House & Property policies insure your dwelling on an open-perils basis. This means perils are covered unless specifically excluded by the policy language. Some of the most common events that cause damage are typically covered, including fire, theft, wind, and hail.

According to the most recent data, South Carolina home insurance costs $1,327 per year on average. Hurricanes, violent thunderstorms, and tornadoes are a few of the reasons the average South Carolinian pays so much for home insurance.

That number is, of course, an average. Your premium may be different based on characteristics unique to you and your home, such as:

• Your home’s age, location, and building materials.
• The deductibles and coverage limits you select.
• The value of your personal belongings.

The state of South Carolina does not require you to get homeowners insurance. However, your lender most likely will demand you have home insurance if you have a mortgage. While Kin doesn't currently offer flood insurance in South Carolina, some lenders may also require it depending on where you live.

Finding affordable insurance for your home is getting harder to do every year, and it stands to reason. Increasingly expensive natural disasters makes it difficult for insurance companies struggle to keep rates down. Some of the top risks for South Carolinians are:

• Hurricanes.
• Wind and hail.
• Tornadoes.
• Floods.

South Carolina's exposure to hurricanes, wind, hail, tornadoes, and floods illustrates why getting home insurance is a good idea.

While hurricane insurance isn’t actually a product you can buy, you can find coverage for damage caused by hurricane winds in your homeowners insurance policy.

South Carolina has also mandated that insurance companies make wind/hail coverage available to coastal homeowners since 1971.