South Carolina is a beautiful place to live. But every year, it faces strong storms. These storms can damage homes in big ways. That’s why having good homeowners’ insurance in South Carolina is very important.
Let’s break it down in simple terms so everyone can understand how this type of insurance helps during storm season.
What is homeowners’ insurance?
And that translates to increased exposure and more prospects entering your virtual doors. It also helps if your things inside the house get ruined. If a storm hits and breaks your roof, this insurance can help fix it. If water comes in and ruins your couch, it can help replace that, too.
It also helps with living costs if you can’t stay in your home while it’s being fixed.
Why does storm season matter in South Carolina?
South Carolina gets many storms every year. Some are just rain and wind. Others are hurricanes, which can cause floods or trees to fall. According to the South Carolina Emergency Management Division, hurricane season runs from June to November, and it brings a lot of risks to homeowners.
Because of where the state is on the map, it often gets hit by tropical storms. This makes homeowners’ insurance in South Carolina even more important.
How does homeowners’ insurance in South Carolina help during storm season?
- It pays for damage to your house.
If a storm breaks your windows, roof, or siding, your insurance can cover those repairs. Similarly, if lightning hits your home and causes a fire, it can pay for those repairs, too.
- It covers your things inside.
Your TV, couch, clothes, or kitchen items can get damaged in a storm. Homeowners’ insurance in South Carolina helps replace these things, so you don’t have to start from zero.
- It helps you live somewhere else if needed.
During some instances, your house can be unsafe following a storm. If this happens, your policy can help pay for a hotel or rental until your home is fixed.
Does homeowners’ insurance cover floods too?
Here’s the short answer: No, not always.
Most regular homeowners’ insurance in South Carolina does not cover flooding. To do that, you require a different flood insurance policy.. This is very important because many storms cause floods, especially in coastal or low-lying areas.
According to FEMA, just one inch of floodwater can cause over $25,000 in damage. So, if you live near a river or the coast, having both types of insurance is a smart idea.
How do I know what my policy covers?
Look at your policy papers. You can also call your local agent. At My Insurance Corner, our team can help you understand what your homeowners insurance in South Carolina does and doesn’t include.
Policies can be different, and you don’t want to wait until a storm hits to find out.
What are some common storm damages in South Carolina?
Storms in this state often cause:
- Roof damage from wind
- Trees falling on houses
- Flooded basements or living rooms
- Broken windows from flying objects
- Fires from lightning strikes
Likewise, storms can also knock out power. That can lead to spoiled food or even mold from too much moisture. Thankfully, many of these problems are covered by homeowners’ insurance in South Carolina.
What should I do before a storm hits?
- Take pictures of your home and stuff.
This helps when you file a claim later.
- Store important papers in a safe spot.
Keep your insurance info easy to grab if you need to leave fast.
- Talk to your agent.
Ask questions. It is better to be sure what is and what is not covered.
- Add flood insurance if needed.
Floods are very common after big storms, especially in parts of South Carolina.
- Clean your yard.
Remove dead branches and tie down anything that can fly away in strong winds.
In South Carolina, What Is The Cost Of Homeowners’ Insurance?
The average homeowners’ insurance in South Carolina is about $1,500 yearly, although this will depend on the value of your home, its location, among other things. That’s about $125 a month to help protect your biggest investment.
Homes near the beach or in flood zones usually cost more to insure. But discounts may be available for bundling with auto insurance or installing storm-proof features.
What happens after a storm?
If your home is damaged:
- Take photos of everything.
- Call your insurance agent right away.
- Save receipts if you buy anything, like tarps or hotel rooms.
- Don’t throw things away until your agent sees them.
The faster you start your claim, the faster help comes. That’s another reason why choosing a local agent for your homeowners insurance in South Carolina is helpful. We know the area, and we move quickly.
What Are The Reasons To Use A Local Insurance Agent In South Carolina?
Big insurance companies may not understand your area like a local agent does. At My Insurance Corner, we live here too. We know what to expect from storm season. We help you pick a policy that fits your home and your budget.
Additionally, we’re here before, during, and after a storm to answer your questions and help you recover.
Can I lower my risk before storm season?
Yes! Here are a few easy steps:
- Install storm shutters
- Check your roof for weak spots
- Cut tree branches near your house
- Keep your gutters clear
Doing these things can help you avoid damage. They can also help you save on your homeowners’ insurance in South Carolina.
Final thoughts
Storms are scary, but being ready helps. Having the right homeowners’ insurance in South Carolina gives you peace of mind. It assists in covering the damages, replaces your property, and covers your family.
The most opportune moment to plan is prior to being hit by the storm. Ensure that your policy reflects what is most important to you.
Protect your home before the next storm hits. Contact My Insurance Corner today for a free quote on homeowners insurance in South Carolina!
If you’re not sure where to start, we can help. Talk to one of our friendly agents at My Insurance Corner today.
FAQs
What does a basic homeowners’ insurance policy cover?
It usually covers damage to the home, personal items, and extra living costs if you can’t stay there. However, flood damage needs a separate policy.
Can I get insurance if I live near the coast?
Yes, but it may cost more. Similarly, homes in flood zones or high-risk areas can have higher rates.
Is flood insurance required in South Carolina?
Not always. But if you live in a high-risk area and have a mortgage, your lender may require it.
How fast can I file a claim after a storm?
Immediately. The sooner you call, the sooner help can start. Keep pictures and notes to make the process smooth.
Can I bundle homeowners and auto insurance?
Yes! And doing so can save you money. Likewise, adding other policies like life or health can offer discounts too.
