The best home insurance companies in South Carolina are Chubb, State Farm, Nationwide, Travelers and Allstate. Chubb ranks first for coverage options and customer service, while State Farm leads in affordability. Compare all our top picks below.
Best Homeowners Insurance in South Carolina
Chubb is the best home insurance provider in South Carolina, earning a MoneyGeek score of 99 out of 100 and excelling in five of five key homeowner insurance categories.

Updated: June 19, 2025
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Key Takeaways
According to our 2025 research, the top three home insurance providers in South Carolina are Chubb, State Farm, and Nationwide.
Chubb offers the best overall home insurance for most South Carolina homeowners. For those with newer homes, State Farm could be a more suitable option.
To choose the best option, determine your coverage needs, research costs and company details, and compare multiple quotes.
Compare Home Insurance Rates
Ensure you're getting the best rate for your home insurance. Compare quotes from the top insurance companies.
Who Are the Best Home Insurance Companies in South Carolina?
Chubb | 99 | 1 | 1 | 2 |
State Farm | 90 | 2 | 2 | 4 |
Nationwide | 87 | 3 | 3 | 1 |
Travelers | 81 | 5 | 4 | 2 |
Allstate | 75 | 4 | 5 | 4 |
*Our ratings consider various combinations of coverage levels, home features and homeowner details to identify the best overall options. Rankings may differ based on your specific profile. The tables below use the same methodology.
Best Homeowners Insurance Companies by Category
While our rankings highlight the best overall home insurance options, they may vary by home and homeowner categories. Below is a summary of the top choices for key categories.
Chubb | 99 | Overall |
Chubb | 99 | Older Homes |
Chubb | 98 | Newer Homes |
Chubb | 99 | High-Fire-Risk Areas |
Chubb | 99 | Bad Credit |
Chubb | 99 | With Claims History |
Best South Carolina Home Insurance by City
Home insurance provider rankings in South Carolina cities differ due to affordability, customer service and add-on coverages. For example, Chubb ranks best in Charleston and tops Columbia's list. Below, we've highlighted the top providers for each city to help you find the right option locally.
Chubb: Best Cheap Overall
Ranking first in almost all areas, Chubb offers the best homeowners insurance experience for cost, coverage options and customer service overall. Its policies offer superior benefits such as 24/7 home monitoring services, home issue detection and your personal agent to speak to regarding any issues or emergencies. Also, according to J.D. Power's most recent study, Chubb ranked first overall for customer satisfaction.
Newer Homes in High-Fire-Risk Areas | $40 | $479 |
Newer Homes | $40 | $479 |
Older Homes | $50 | $599 |
Older Homes in High-Fire-Risk Areas | $50 | $599 |
How to Find the Best Home Insurance in South Carolina
We've produced a step-by-step guide to help you find the coverage that fits your needs perfectly.
- 1
Determine your coverage needs
Before choosing a home insurance policy, decide on the coverage level you need. Think about your home's value, the personal belongings inside and local risk factors that might affect your coverage.
- 2
Research costs and discounts
Figure out how much home insurance costs in South Carolina to see if providers truly offer savings. Also, check for discounts you qualify for to maximize your savings.
- 3
Find the best providers for you
After researching coverage and costs, narrow your search for the best and cheapest home insurance in South Carolina. Use guides and personal research to evaluate customer service ratings, pricing specific to your needs and suitable coverage add-ons.
- 4
Compare multiple providers through all means
With your research complete, compare providers to find the best option. Check quotes through various methods, as online estimates may differ from those given by brokers or agents over the phone.
Best Homeowners Insurance in South Carolina: Bottom Line
Chubb, State Farm and Nationwide are the best homeowners insurance companies in South Carolina, based on current analysis. While these are strong recommendations, comparing providers will help you find the best fit for your needs.
Best Home Insurance in South Carolina: FAQ
To guide residents in finding the right home insurance, we've answered common questions about providers in South Carolina.
Which company is best for home insurance in South Carolina?
Chubb is the best homeowners insurance provider in South Carolina due to its top affordability, excellent customer service, and wide range of add-on coverage options. State Farm, Nationwide, Travelers, and Allstate are also highly regarded choices in the state.
Who has the most affordable homeowners insurance in SC?
Finding the most affordable homeowners insurance in South Carolina hinges on your individual circumstances and property details. In South Carolina, the average cost of homeowners insurance is $2,321 annually.
How do you get the best homeowners insurance in SC?
To find the best home insurance in South Carolina, decide on your coverage needs, research costs and providers, and compare multiple quotes.
How We Decided the Best Home Insurance in South Carolina: Our Methodology
We rated the best homeowners insurance providers in South Carolina using this methodology:
- Affordability (55%): Providers scored higher if they were more affordable across various factors. We also evaluated the range of discounts offered.
- Customer satisfaction (30%): Scores were based on ratings from sites like Trustpilot, app reviews and industry sources like J.D. Power. This included the buying process, policy management and claims handling.
- Coverage (15%): We assessed the number of add-on options, unique features and availability by state.
About Mark Fitzpatrick

Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.