Protect Your Home & Peace of Mind
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Whether you do it yourself online or speak with one of our friendly representatives over the phone, Kin makes it easy to find coverage.
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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.
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Review your quote and sign your application online. Any questions? Our licensed agents are here to help.
Discounts available in South Carolina
The average cost of home insurance has increased to $1,571 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
You get more than coverage — you get a team that follows through.
Here to help
We reach out before, during, 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
Licensed Kin agents are easy to reach and ready to listen. Contact us via email, phone, or live chat.
We've got South Carolina covered.
We help South Carolinians find coverage across the entire Palmetto State!
We sell policies in every county in South Carolina, including in these major cities
- Charleston
- Columbia
- Florence
- Greenville
- Mount Pleasant
- Myrtle Beach
- North Charleston
- Rock Hill
Frequently asked questions about South Carolina home insurance
Is flood insurance required in South Carolina?
Flood insurance is not required by South Carolina state law, but your mortgage lender may require you to purchase a policy if you live in a moderate- or high-risk flood zone. Even if you are in a low-risk flood zone, it may be worth purchasing a policy. According to the Federal Emergency Management Agency, roughly 25% of flood insurance claims are filed by homeowners in low- to moderate-risk flood zones.
What is the South Carolina Wind Pool?
The South Carolina Wind Pool refers to the South Carolina Wind and Hail Underwriting Association — a collection of insurance companies that offers wind and hail insurance policies for homeowners with coastal properties who can’t get approved for a policy through the private marketplace.
Does SC home insurance cover earthquakes?
A standard SC home insurance policy does not cover earthquakes. However, you may be able to obtain an earthquake endorsement for your policy or purchase a separate earthquake insurance policy. This is an especially important consideration for homeowners in Charleston and South Carolina’s coastal plain, where earthquakes are more common.
How do I calculate my hurricane deductible?
If your policy has a separate hurricane deductible, you need to multiply the deductible percentage by the policy’s dwelling limit. For instance, if you have a 5% hurricane deductible on a policy with $400,000 in dwelling coverage, use the following formula:
0.05 x 400,000 = $20,000
This means you’d have to pay $20,000 out of pocket before coverage kicks in following damage from a hurricane. South Carolina’s catastrophe savings accounts are a smart way for homeowners to save up for this deductible in advance.
Where can I find a list of insurance companies in SC?
To find a list of South Carolina insurance companies, visit the South Carolina Department of Insurance’s Insurance Locator. This tool can help you find property and casualty insurance, as well as health insurance.
