Best Homeowners Insurance in South Carolina (2026)

Chubb's extended replacement cost coverage pays full rebuilding costs even when they exceed your policy limit. It also covers water damage from flooding, which matters for South Carolina homeowners in low-lying and coastal areas.

Chubb charges $2,047 annually for home insurance in South Carolina, 34% below the state average of $3,100. Bundling multiple policies or adding a home security system can cut costs further.

Chubb earned 677 out of 1,000 points in the J.D. Power customer satisfaction study, above the industry average of 642. It sells through local independent agents familiar with South Carolina's risks and coverage requirements. Chubb's online platform handles policy management and claims, so you can work with an agent or manage everything digitally.

Chubb includes standard homeowners coverage and these optional add-ons:

• Extended replacement cost: Covers repair or rebuilding costs beyond your policy limit to restore your home to its original condition
• Temporary living arrangements: Finds you comfortable accommodations during home reconstruction
• Risk consulting: Free home appraisals from trained consultants who assess security vulnerabilities and fire prevention needs
• Cash settlement: Provides payment up to your policy limit for covered total losses if you choose not to rebuild
• Replacement cost coverage: Replaces upgraded appliances, custom cabinets, flooring and carpentry at current prices without depreciation deductions
• HomeScan: Detects hidden issues like leaks, insulation gaps and electrical problems using infrared technology before damage occurs

USAA covers military families with personal property replacement cost coverage, so you get full value for damaged belongings rather than a depreciated payout. Additional living expenses coverage pays for temporary housing if a hurricane or other South Carolina disaster forces you out of your home.

USAA charges $2,448 annually for home insurance, 21% below South Carolina's state average of $3,100. Bundling policies or adding a home security system lowers your rate further.

USAA earned 737 out of 1,000 points in J.D. Power customer satisfaction ratings, well above the industry average of 642. It sells direct (no agents), with online tools for quotes and claims. That works well for military families comfortable managing coverage digitally, but not for those who want in-person support.

USAA includes standard homeowners coverage and these optional add-ons:

• Home Protector: Increases dwelling and other structures coverage limits by 25% when building costs rise unexpectedly
• Water backup: Pays for damage from water or sewage backing up through plumbing systems or sump pump overflows
• Earthquake: Protects your home and belongings from damage caused by earthquakes, shock waves or tremors
• Personal injury: Covers legal costs if you face accusations of libel, slander, defamation or other reputation harm

State Farm pays replacement cost on personal property, so you get enough to buy new items rather than a depreciated value. It also covers additional living expenses if a hurricane or other disaster makes your home temporarily unlivable.

State Farm charges $2,064 annually for home insurance, 33% below the state average of $3,100. Bundling home and auto policies or adding a security system lowers your rate further.

State Farm earned 657 out of 1,000 points in J.D. Power customer satisfaction ratings, above the industry average of 642. Agents are available statewide, and you can also get quotes and manage claims through its website or app — useful when you'd rather not call.

State Farm includes standard homeowners coverage and these optional add-ons:

• Personal articles policy: Protects high-value jewelry, art and collectibles against risks excluded from standard policies
• Umbrella policy: Extends liability protection beyond homeowners and auto policy limits
• Service line coverage: Pays repair costs for underground utility lines on your property
• Sewer backup coverage: Covers water damage and cleanup when sewage backs up inside your home
• Energy efficiency upgrade: Provides extra funds to replace damaged systems with energy-efficient models
• Identity fraud protection: Covers restoration costs if your identity gets stolen

Auto-Owners covers wind and hail damage, a key benefit for South Carolina's coast, where severe storms are common. Its personal property replacement cost coverage pays to buy new items, not their depreciated value. It's a solid pick for homeowners who want strong storm coverage and prefer working with a local agent.

Auto-Owners charges $3,705 annually for home insurance in South Carolina, 20% above the state average of $3,100. Bundling policies or adding a home security system can offset some of that cost.

Auto-Owners earned 621 out of 1,000 points in the J.D. Power customer satisfaction study, below the industry average of 642. It sells through local independent agents and offers online quotes, but its mobile app is more limited than direct carriers. It's better suited for homeowners who'd rather work with an agent than manage everything through an app.

Auto-Owners includes standard homeowners coverage and these optional add-ons:

• Guaranteed home replacement cost: Rebuilds your home completely even when costs exceed your coverage limit
• Water backup of sewers or drains: Pays for sewer or drain backup damage with multiple coverage limit options
• Special personal property: Protects personal items against loss, misplacement, staining and defacing beyond standard coverage
• Ordinance or law: Brings your home up to current building codes after covered damage
• Homeowners Plus: Bundles coverage for appliance leaks, increased food spoilage limits, limited fungi damage and automatic inflation protection
• Equipment breakdown: Covers mechanical failures in air conditioners, heating units, computers and major appliances
• Identity theft expense: Reimburses up to $15,000 for financial identity restoration costs
• Home cyber protection: Pays professionals to recover stolen or corrupted data, restore devices and provide legal counsel
• Inland flood: Adds flood coverage to homeowners policies for low-to-moderate risk zones, including home damage, contents, debris removal and temporary housing

Allstate's Claim RateGuard keeps your premium from going up after you file a claim, a benefit few carriers offer. Its personal property coverage includes damage from the hurricanes and severe storms that affect South Carolina regularly.

Allstate charges $2,455 annually for home insurance in South Carolina, 21% below the state average of $3,100. Bundling policies or installing a home security system lowers your rate.

Allstate earned 633 out of 1,000 points in J.D. Power customer satisfaction ratings, just below the industry average of 642. It sells through local agents and directly online, so you can work with someone familiar with South Carolina or handle everything through its website or app.

Allstate includes standard homeowners coverage and these optional add-ons:

• Identity theft restoration: Reimburses legal fees, lost wages and related expenses after identity theft
• Water backup: Pays for damage from backed-up drains or broken sump pumps
• Scheduled personal property: Protects appraised valuables like engagement rings and antiques
• Business property: Raises coverage limits for business inventory and equipment stored at home
• Sports equipment: Extends protection for golf clubs, ski gear and other expensive equipment
• Green improvement reimbursement: Pays extra costs to replace damaged items with energy-efficient alternatives
• Yard and garden: Increases limits for trees, landscaping and riding lawn mowers
• Electronic data recovery: Restores lost computer data, including photos and videos
• Musical instruments: Expands coverage for guitars, violins and other instruments