Who regulates homeowners insurance in South Carolina?

The South Carolina Department of Insurance (doi.sc.gov) licenses carriers and agents and handles consumer complaints.

Does standard homeowners insurance cover hurricanes in South Carolina?

Standard policies cover hurricane wind damage, but most coastal SC policies have a separate named-storm or hurricane deductible. Flood damage from storm surge is excluded and requires NFIP coverage at floodsmart.gov.

Is flood insurance required in South Carolina?

Federally backed lenders require flood insurance for properties in FEMA Special Flood Hazard Areas. Given Lowcountry flood risk, coverage is advisable statewide.

What is the South Carolina FAIR Plan?

South Carolina's FAIR Plan provides property coverage for homeowners who cannot obtain coverage in the private market. Contact the SC Department of Insurance at doi.sc.gov for carrier-of-last-resort options.

Does South Carolina require homeowners insurance?

South Carolina law does not mandate homeowners insurance, but lenders require it as a mortgage condition.

Homeowners Insurance in South Carolina

South Carolina's coastal Grand Strand and Lowcountry communities face direct hurricane and tropical-storm exposure, while inland areas experience tornado and flooding risk — named-storm deductibles and flood exclusions are key coverage gaps for coastal homeowners.

More South Carolina guides

Personal Loans in South Carolina Auto Insurance in South Carolina Renters Insurance in South Carolina Mortgages in South Carolina Auto Loans in South Carolina Student Loans in South Carolina Life Insurance in South Carolina High-Yield Savings in South Carolina

Homeowners Insurance by state

All states Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming