South Carolina's average home insurance premium is $2,833 a year, and the national average at the same coverage level is roughly $2,844 to $2,872. On paper, South Carolina is the most ordinary insurance state in America.
That is one of the least useful facts you can learn about South Carolina insurance, because South Carolina is not one insurance market. It is two, and the statewide average is the arithmetic midpoint of a shoreline market that looks like coastal Florida and an Upstate market that looks like North Georgia.
The structural fact that follows from that split is the one this guide is built around, and it surprises almost everyone: South Carolina has no general FAIR Plan. The state's only residual market is a wind-and-hail-only pool that operates in a narrow strip inside five coastal counties. So the coast - the expensive, hard-to-insure half of the state - has a backstop. The Upstate does not. A homeowner in Greenville who cannot get a quote from an admitted carrier has nowhere state-backed to go at all.
This guide works through what the average policy costs and why the average lies, which deductible applies to a hurricane claim and how the wind pool structures it, what the policy leaves out, how to size your coverage against real construction costs, what roof age does to your payout, and exactly what your options are when nobody will write you - which depends heavily on which half of the state you live in.
A note before you start: everything below is general information about how homeowners insurance works in South Carolina, not personalized insurance, legal, or financial advice. Policy forms, rates, and underwriting rules vary substantially by carrier and by your individual circumstances - county, distance to water, wind pool zone, construction type, roof age, and claims history all change the answer. For coverage specific to your property, talk to a licensed South Carolina insurance agent; for regulatory questions or complaints, the South Carolina Department of Insurance is the state authority.
1. What home insurance actually costs in South Carolina
The reference figure is $2,833 a year for $300,000 of dwelling coverage with a $1,000 deductible.
"Dwelling coverage" - labeled Coverage A on your declarations page - is the maximum the policy will pay to repair or rebuild the structure of your home. It is the anchor number for the whole policy, and as Section 2 explains, it is also the number your named-storm deductible is calculated from. $300,000 is a reference tier used so states can be compared on the same basis. As Section 4 explains, it is almost certainly not the right number for a South Carolina home.
Where the figure comes from
Two independent 2026 rate surveys quote South Carolina at the same explicit $300,000 dwelling level, and they agree unusually closely:
- Insurance.com's 2026 state table: $2,870 at $300,000 dwelling / $300,000 liability / $1,000 deductible, with a 2% hurricane deductible applied where relevant
- Insurify's 2026 average-cost analysis: $2,796 at the same $300,000 level
The 3% spread between them is tight by the standards of quote-derived surveys, which raises confidence in the average, $2,833. NerdWallet's 2026 analysis reads $3,205 at $400,000 of dwelling coverage - consistent with these once the higher limit is accounted for.
Against a national average of roughly $2,844 to $2,872 at the same $300,000 tier, South Carolina lands almost exactly at the national mean.
Why the average is the least useful number in this guide
Here is the honest version. The statewide average understates the coast and overstates the Upstate, and it does both by a lot.
Charleston, Beaufort, Horry, Georgetown, and Colleton county shoreline premiums run far above $2,833. Upstate premiums - Greenville, Spartanburg, Anderson, Oconee - run meaningfully below it. The state average is not a prediction for anybody; it is the point where two very different distributions happen to cross.
You can see the same split in a second measurement. Insurify's May 2026 study measured South Carolina's average wind/hail deductible at 1.25% of dwelling coverage. That number is lower than the 2% typical coastal selection precisely because it blends coastal policies that carry a percentage deductible with inland policies that carry none at all. The statewide figure is an average of two things, not a description of one thing.
What to take from this: if you are shopping on the coast, expect to pay well above $2,833 and treat any quote near it with suspicion until you have confirmed what the named-storm deductible is. If you are shopping in the Upstate, $2,833 is a ceiling to beat, not a target.
The trend
South Carolina premiums are running at +9% into 2026 on the measured series - $3,092 in 2025 rising to a projected $3,370 by end-2026, a $278 increase. That places South Carolina among the faster-rising states in the country, against a national figure closer to +4%.
The cause is not mysterious. Coastal underwriting has been tightening: American National exited South Carolina homeowners business in 2024, and carriers still writing coastal risk have been raising hurricane deductibles and restricting new coastal business rather than simply repricing it. A carrier that raises your named-storm deductible from 2% to 5% has cut its exposure without raising your premium at all, which is why premium trend alone understates what is happening to South Carolina coastal policies.
2. The deductible that actually applies to your most likely claim
On the South Carolina coast this is the most important section of this guide, and it is the section most likely to contain a number you have never seen before.
Two deductibles, not one
Your policy carries a flat all-perils deductible, typically $1,000 - the amount you pay out of pocket before the insurer pays anything. On the coast, market guidance describes flat deductibles running $1,000 to $2,500. It governs fire, theft, a burst pipe, an ordinary thunderstorm, and most everyday losses.
Sitting alongside it on most coastal policies is a separate named-storm deductible - often called a hurricane deductible - expressed as a percentage of your dwelling limit rather than a flat dollar amount. It replaces the flat deductible for that one event. Typical selections run 1% to 5%.
Work it out in dollars. On a $300,000 dwelling limit:
- 1% = $3,000
- 2% = $6,000
- 3% = $9,000
- 5% = $15,000
On a $400,000 dwelling limit - closer to what many coastal South Carolina homes actually need:
- 2% = $8,000
- 3% = $12,000
- 5% = $20,000
And on the $490,000 rebuild figure Section 4 arrives at for a 2,000 square foot home:
- 2% = $9,800
- 3% = $14,700
- 5% = $24,500
Compare any of those to the $1,000 flat deductible you probably think of as "my deductible."
What actually triggers it - and what does not
This distinction is worth real money, and South Carolina's convention is on the consumer-friendly side of it.
A named-storm deductible triggers only on a storm that the National Hurricane Center has officially named. Not merely high wind. Not a severe thunderstorm. Not a squall line. A named tropical system.
That means the far more common South Carolina claim - ordinary thunderstorm wind or hail damage - still falls under your flat deductible on most policies. A hailstorm in Columbia that costs you a roof is a $1,000-deductible claim, not a $9,800 one.
Contrast that with a broad windstorm deductible, which some states allow to attach to any high wind at all. If your declarations page says "windstorm and hail deductible" rather than "named storm" or "hurricane," read it very carefully - the trigger, not the percentage, is the part that decides how often it applies to you.
The wind pool's own structure, which sets the market's reference points
The South Carolina Wind and Hail Underwriting Association - the state's wind pool, covered in detail in Section 6 - publishes its own deductible structure, and because it is the market of last resort on the coast, its numbers function as reference points for the whole coastal market:
- Zone 2 (the outer eligible area): 2%
- Zone 1 (nearest the coast): 3%
- Higher percentages available in exchange for premium credits
That last item is a real lever and Section 7 returns to it. But note what it means: on the South Carolina coast, taking a bigger deductible is an explicitly priced trade, not a hidden one.
The trap: the percentage is of your coverage, not your damage
This catches people everywhere percentage deductibles exist. The percentage applies to the insured value of your dwelling, not to the size of the loss. A 2% deductible on a $490,000 limit is $9,800 whether the storm did $12,000 of damage or $400,000 of damage. It is not "2% of the claim."
So a moderate named-storm claim can be worth almost nothing. If a hurricane does $11,000 of damage to a home with a $490,000 limit and a 2% deductible, the insurer owes you $1,200. At 3% - the wind pool's Zone 1 rate - it owes you nothing.
The disclosure rule you can hold your insurer to
S.C. Code Regs. 69-56 requires an insurer writing a hurricane, named-storm, or wind/hail deductible to disclose it clearly and to show you a worked dollar example rather than only a percentage.
That is a real, enforceable consumer protection and most South Carolina homeowners have never used it. If your policy carries a percentage deductible and you were never given a dollar illustration, ask for one in writing. Then do it yourself as well:
- Find the named-storm deductible percentage on your declarations page.
- Multiply it by your dwelling limit - not by your home's market value, not by your mortgage balance.
- Write that dollar figure somewhere you will find it again, and treat it as your real emergency fund target for hurricane season.
- Check whether the percentage runs off the dwelling limit or total insured value. Ask your agent directly; the base matters as much as the percentage.
3. What a standard policy covers here - and the gaps
A homeowners policy bundles several coverages:
- Coverage A - Dwelling. The structure itself.
- Coverage B - Other Structures. Detached garage, shed, fence, dock structures on land. Usually about 10% of Coverage A automatically.
- Coverage C - Personal Property. Your belongings, usually 50% to 70% of Coverage A.
- Coverage D - Loss of Use. What it costs to live elsewhere while repairs happen. After a landfalling hurricane on the South Carolina coast, temporary housing becomes scarce and expensive across an entire region at once.
Covered perils typically include fire, lightning, windstorm, hail, theft, vandalism, falling objects, and sudden accidental water discharge from plumbing.
Flood is never covered - anywhere, by anyone's homeowners policy
This is universal across all fifty states, not a South Carolina rule. No homeowners policy covers flood. Flood coverage is a separate purchase through the National Flood Insurance Program (NFIP) or a private flood carrier.
In South Carolina this gap does enormous work, because the state's two biggest water perils are both on the flood side of the line:
- Storm surge on the coast. Surge is flood. A hurricane that pushes water into a Pawleys Island or Isle of Palms house is a flood claim, not a hurricane-deductible claim.
- Riverine and inland flooding. South Carolina's October 2015 flooding, driven by extreme rainfall rather than by wind, damaged property hundreds of miles from the coast. Homeowners in the Midlands who had never considered flood insurance discovered they had an uninsured loss.
The wind-versus-water distinction is what decides claims. Wind damage is a homeowners claim, subject to the named-storm deductible above. Rising water and surge are a flood claim, subject to a completely separate policy with its own deductible and limits. A single hurricane routinely does both, and if you hold only one of the two, the other half of your loss is simply uncovered.
And note the gap this opens against the wind pool specifically: the SC Wind and Hail Underwriting Association explicitly does not cover flood either. A coastal homeowner using the wind pool needs three separate purchases - a base homeowners or dwelling policy, the wind pool policy, and NFIP or private flood - to be genuinely covered.
Being outside a mapped high-risk flood zone is a statement about a flood map, not about whether your house can flood. A meaningful share of NFIP claims nationally come from outside high-risk zones.
Other exclusions worth knowing here
- Earthquake. Excluded from standard policies. South Carolina's seismic risk is higher than most people assume - the 1886 Charleston earthquake remains one of the most significant seismic events in the eastern United States - and earthquake coverage is a separate endorsement or policy. Ask for it by name if you are near Charleston.
- Maintenance, wear, and gradual deterioration. Insurance covers sudden accidental damage, not slow failure. Humidity, salt air, and a long hot season are hard on South Carolina housing, and a claim for something that degraded gradually will be denied.
- Mold, beyond limited sublimits - a live issue in this climate.
- Ordinance or law. The extra cost of rebuilding to current code rather than as originally built. Coastal South Carolina rebuilding now triggers wind-load and elevation requirements that did not exist for older houses. Usually available as an endorsement; ask for it.
- Sewer and drain backup, usually excluded unless you buy the endorsement.
4. Making sure you have enough coverage
The most consequential number on your policy is your Coverage A limit, and the most common way it goes wrong is setting it to your home's market value or your mortgage balance.
Neither is right. Dwelling coverage should equal the cost to rebuild your home from the foundation up at today's construction prices. Market value includes land, which does not burn. Your mortgage balance is a financing number with no relationship to construction cost.
South Carolina makes this error easy to commit in the direction that hurts. The state's median home price is about $359,900 - well below the national picture - so a homeowner who reasons from market value will set a low limit. But construction costs do not track South Carolina's affordable housing prices, and on the coast, land is a large share of value while inland it is a small one. The only number that matters is construction cost.
Working a real South Carolina example
Rebuilding in South Carolina runs roughly $245 per square foot - the midpoint of a published $180 to $310 band covering materials, labor, and general contractor overhead and profit, excluding land.
On a 2,000 square foot home:
- 2,000 x $245 = $490,000 to rebuild
This figure deserves an unusually loud caveat, and it is worth stating rather than burying. South Carolina shows one of the widest source disagreements in this entire dataset. The $180 to $310 band is a regional band - South Carolina shares the identical range with Vermont, Virginia, and Wisconsin, which is a strong hint that it is not a South Carolina-specific survey. And one 2026 cross-check series reads South Carolina at $143 per square foot, near the bottom of the country, while another reads $173. Those two series measure a narrower quantity that excludes general contractor overhead and profit, which explains part of the gap but not all of it. No South Carolina building department or insurance regulator publishes a competing figure to settle it.
So take the band seriously:
- At $180/sq ft: $360,000
- At $310/sq ft: $620,000
That is a $260,000 spread on the same house. Treat this figure as unusually soft, and get an actual replacement-cost estimate for your specific home - from your carrier, an independent estimator, or a local builder - rather than relying on any per-square-foot rule of thumb. This is one of the states where the rule of thumb is least trustworthy.
Note what the arithmetic still says even at the low end: $360,000 is above the $300,000 reference limit, and above South Carolina's median home price. If you set your Coverage A from what you paid for the house, you are probably short.
The 80% coinsurance rule, and what a shortfall does to a partial claim
Most homeowners policies contain a coinsurance provision requiring you to insure the dwelling to at least 80% of its full replacement cost. Fall below that and the insurer does not merely cap your payout at your limit - it reduces every partial claim proportionally.
Work it on the midpoint example. Full replacement cost $490,000, so the 80% threshold is $392,000. Suppose you carry the $300,000 reference limit and a hurricane does $100,000 of damage. Your limit is three times the loss, so it feels safe. It is not:
- $300,000 carried / $392,000 required = 0.765
- 0.765 x $100,000 = $76,531
- Then subtract your deductible - $1,000 on an ordinary claim, or $6,000 if this was a named-storm claim at 2% of your $300,000 limit
- Net payment: roughly $70,531 to $75,531 on a $100,000 loss
You are $24,000 to $29,000 short on a claim well inside your policy limit, entirely because Coverage A was set too low. None of that is visible until you file.
Two endorsements worth asking about by name
- Extended replacement cost - pays a stated percentage above your Coverage A limit, commonly 25% to 50%, when rebuilding costs more than the policy anticipated. Given how soft South Carolina's rebuild-cost data is, and how sharply contractor pricing spikes after a landfalling hurricane, this endorsement is doing real work here.
- Ordinance or law coverage - as described in Section 3, and especially relevant on coastal properties built before current wind-load and elevation requirements.
5. Roof age, and why it decides your premium and your payout
An honest limitation first. This site's South Carolina data file records no state-specific roof-settlement rule, and that absence is a finding rather than an oversight: no South Carolina statute dictates how roofs must be settled, and no South Carolina survey of carrier practice is published. Whether your roof is paid at replacement cost or actual cash value is set by your policy form and your carrier's underwriting rules. So what follows is the mechanism, which does apply here - verify the specifics on your own declarations page.
The distinction to look for: ACV versus RCV
- Replacement cost value (RCV) pays what it costs to put a new roof on today, subject to your deductible. This is what most people assume they have.
- Actual cash value (ACV) pays replacement cost minus depreciation for the roof's age.
That gap grows every year. On an ACV schedule, a roof fifteen years into a twenty-year expected life has roughly 75% of its value depreciated away - the insurer pays about 25% of replacement cost and you fund the rest. On a $30,000 roof replacement that is roughly $7,500 before your deductible comes out.
Now stack that against South Carolina's coastal structure. A hurricane takes the roof first. If the roof claim runs through your named-storm deductible at 2% of a $490,000 limit - $9,800 - and the roof also settles on an ACV basis, the arithmetic produces a covered claim that pays you nothing at all. A $9,800 deductible against a depreciated $7,500 roof payment is a zero, on a roof the policy nominally covers.
That combination is the worst outcome available in a South Carolina coastal policy, and it is entirely knowable before a storm rather than after one.
Why roof condition also decides whether you get written at all
Roof age is a leading underwriting factor everywhere, and it is a hard eligibility gate for the South Carolina wind pool specifically: SCWHUA applicants must meet roof-condition and building-code standards to qualify. That means an aging roof can lock you out of the state's only coastal backstop, not merely price you higher.
Across the market generally:
- Newer roofs get better pricing and easier acceptance.
- Roofs past roughly 15 years increasingly draw a roof-condition inspection or certification requirement at renewal.
- Older roofs increasingly get moved to ACV settlement, or become the reason a carrier declines to renew.
A national change in March 2026 pushed the whole market further that way: the Federal Housing Finance Agency relaxed Fannie Mae and Freddie Mac requirements so that actual cash value roof coverage can satisfy a lender, rather than replacement-cost roof coverage being required - removing a constraint that had kept RCV roof coverage in place on roughly 30 million mortgages nationwide.
What to do about it
- Find the roof settlement basis on your declarations page. Look for "actual cash value," "roof surfaces schedule," or "roof payment schedule." If you cannot find it, ask directly: "Is my roof settled at replacement cost or actual cash value, and does that change as it ages?"
- If you have both a base policy and a wind pool policy, check both. They can settle roofs differently. That is a South Carolina-specific trap worth checking explicitly.
- Ask what replacement-cost roof settlement would cost if you are currently on ACV. Get the number before assuming it is out of reach.
- Treat a roof replacement as an insurance decision, not just a repair - and specify wind-rated or impact-rated materials, which frequently carry credits worth asking about item by item.
- Keep documentation. Installation invoice, permit, material spec, wind rating, and dated photos.
6. If no carrier will write you
This is the section where South Carolina is genuinely different from most states, and where the answer depends entirely on where you live.
There is no general South Carolina FAIR Plan
Most states operate a FAIR Plan - a state-created insurer of last resort that writes a broad property policy for people the voluntary market has declined. South Carolina does not have one. That is a confirmed finding rather than an unchecked assumption: state-by-state residual-market surveys record South Carolina as having no inland FAIR Plan, with declined inland risks going to excess and surplus lines.
What South Carolina has instead is a wind pool, and a wind pool is a much narrower thing.
South Carolina Wind and Hail Underwriting Association (the Wind Pool)
SCWHUA (scwind.com) was created by the Legislature in 1971 under S.C. Code 38-75-310 et seq. Three facts about it determine whether it is any use to you.
1. It is wind-and-hail-only. It does not cover fire, theft, liability, water damage, or flood. It is bought alongside a stripped-down homeowners or dwelling policy, never instead of one. If your problem is that no carrier will write you at all, the wind pool solves only the wind part of that problem.
2. Eligibility is geographic and narrow - and it is not county-wide. S.C. Code 38-75-310 defines a specific coastal area inside Beaufort, Charleston, Colleton, Georgetown, and Horry counties, drawn by landmarks such as the Intracoastal Waterway, U.S. Highway 17, and named islands and creeks. It is split into Zone 1 (nearest the coast) and Zone 2.
Living in Charleston County does not make you eligible. Living inside the statutorily drawn line does. If you are near the boundary, this is worth confirming precisely rather than assuming, because the line is drawn by landmark rather than by ZIP code.
3. You must have been declined, and you must meet standards. Applicants must be unable to obtain wind and hail coverage from an admitted carrier and must meet roof-condition and building-code standards. Investor-owned and rental property qualifies, which is not true of every residual market.
The mechanics you need:
- Residential limits cap at about $1.3 million combined for structure, contents, loss of use, and increased cost of construction
- Deductibles: 2% in Zone 2, 3% in Zone 1, with higher percentages available in exchange for premium credits
- Policy count: 16,402 in force as of January 31, 2025, up slightly from 16,047 in April 2024
That last figure is worth pausing on, because it is good news. A 2% growth in a residual market over roughly nine months is a stable pool. South Carolina's wind pool has not ballooned the way Gulf-state residual markets have, which tells you the admitted coastal market, however much it is tightening, is still writing most South Carolina coastal risk. The wind pool is functioning as a backstop rather than as the market.
The real gap: inland South Carolina has nothing
Here is the honest and uncomfortable part. An inland South Carolina homeowner declined by admitted carriers has no last-resort option at all.
Not a narrow one. Not an expensive one. None. If you are in Greenville, Columbia, Rock Hill, Florence, or Aiken and every admitted carrier has declined you - typically because of roof age, prior claims, a rural protection-class rating, or a vacant period - the wind pool cannot help you, because you are outside its statutory territory and because your problem is not wind.
Your only path is the excess and surplus lines (E&S) market, through a surplus lines broker. Two consequences you need to understand:
- E&S forms are not standardized. A surplus lines property policy can exclude things a standard HO-3 covers. Read it, or have your broker walk you through what is different, rather than assuming it works like the policy you had.
- Surplus lines carriers are not backed by the state guaranty fund. When an admitted carrier becomes insolvent, the guaranty fund steps in and pays covered claims up to statutory limits. That protection does not extend to surplus lines insurers. If your E&S carrier fails, your claim is a creditor's claim in a liquidation, not a guaranteed payment.
That is the concrete cost of South Carolina having no general FAIR Plan, and it falls entirely on the half of the state that gets the least attention in coverage of South Carolina insurance.
What to do before you get there. Because there is no inland backstop, working the voluntary market harder matters more in South Carolina than in most states. Independent agents representing regional and mutual carriers reach companies that national quote engines never show you, and inland declinations are usually driven by fixable property conditions - roof age, electrical service, heating equipment, deferred maintenance - rather than by an unfixable map. Get the specific reason for the decline in writing, fix it, and re-approach the market. An inland South Carolina decline is usually a repair list, not a verdict.
7. How to actually lower your premium in South Carolina
Ranked roughly by how much they move the number in this state specifically. Note that the first several items apply mainly on the coast, and the list diverges sharply by region - which is itself the theme of this guide.
1. Price the named-storm deductible as an explicit trade, in dollars. The wind pool prices higher deductibles with premium credits, and voluntary carriers do the same. Moving from 2% to 5% on a $490,000 limit lowers your premium and raises your exposure from $9,800 to $24,500. That is a rational trade if you have $24,500 liquid and would genuinely spend it. It is a bad trade if you do not. Do the multiplication before you agree to a percentage.
2. Ask for wind mitigation credits item by item. Hurricane straps and clips, impact-rated or wind-rated roofing, roof deck attachment upgrades, secondary water resistance, storm shutters, and reinforced garage doors all commonly carry credits on coastal South Carolina policies. Carriers do not always apply them automatically. Ask which ones require an inspection to document, and get the inspection - a wind mitigation inspection frequently pays for itself in the first year.
3. Shop the coast through an independent agent who writes coastal risk. The variation between coastal carriers in South Carolina is not primarily about premium - it is about the named-storm deductible percentage and the roof settlement basis. Two quotes at similar prices can carry a $15,000 difference in real exposure. National quote engines will not surface the specialty carriers.
4. Get your Coverage A limit right. Because South Carolina median home prices sit well below rebuild costs, underinsurance is the default error here rather than the exception. Get an actual replacement-cost estimate - especially given how soft the state's per-square-foot data is. This adjustment usually raises premium slightly and improves coverage enormously, and Section 4's coinsurance math shows why that trade is worth making.
5. Raise the flat all-perils deductible. Going from $1,000 to $2,500 lowers premium and - because South Carolina's coastal convention is a named-storm trigger rather than a broad windstorm trigger - only affects the non-named-storm claims. That is a cleaner trade here than in states where a percentage deductible attaches to ordinary wind.
6. Replace an aging roof before renewal rather than after a decline. In South Carolina this does triple duty: it lowers premium, it can restore replacement-cost roof settlement, and on the coast it can be the difference between qualifying for the wind pool and not, since SCWHUA enforces roof-condition standards.
7. Bundle home and auto. Multi-policy discounts remain among the largest routinely available, and being a multi-policy customer helps on the underwriting side as well in a market where coastal appetite is limited.
8. Stop filing small claims. With a $1,000 flat deductible and a named-storm deductible in five figures, most small losses are not worth claiming - and claims frequency drives non-renewal. In inland South Carolina, where there is no backstop at all, a non-renewal is a materially worse outcome than in most states. Paying a $2,500 repair yourself is often strictly better than a claim that pays little and marks your record.
9. Buy flood coverage anyway. This raises your total spend rather than lowering it, and it belongs on this list because the cheapest possible premium is worthless if water did the damage. South Carolina's 2015 inland flooding is the standing argument that this is not a coastal-only purchase.
10. Re-shop every year, and compare the right five things. Line up: the premium, the dwelling limit, the named-storm deductible percentage, the trigger wording (named storm versus broad windstorm), and the roof settlement basis. A quote that beats yours on premium while moving you from a named-storm trigger to a windstorm trigger and from RCV to ACV roof settlement is not a better quote. It is a worse policy with a better sticker.
What to do next
If you want these numbers applied to your actual house rather than a statewide average - which, as Section 1 argued, is the least useful number in South Carolina insurance - the South Carolina premium calculator estimates your annual cost from your own dwelling limit and deductible. The replacement cost calculator works out the Coverage A limit you actually need from your home's square footage using South Carolina construction costs, which is the first thing to check given how far the state's median home price sits below its rebuild costs. And because the named-storm deductible is the number that decides your real out-of-pocket exposure, the deductible calculator converts 1%, 2%, 3%, and 5% into actual dollars against your specific dwelling limit.
All three show every figure they use and where it came from.
This guide is general information about homeowners insurance in South Carolina, based on publicly available figures current as of August 2026. It is not an insurance quote, a policy, coverage advice, or legal advice, and it does not reflect your individual property, county, wind pool zone, claims history, or carrier's specific policy language. Premiums, deductible structures, wind pool eligibility, and underwriting rules vary substantially by carrier and by property. SCWHUA operating details here come from statute and secondary sources; confirm limits and eligibility directly with the association or a licensed agent before relying on them. For coverage specific to your home, speak with a licensed South Carolina insurance agent; for regulatory questions or complaints, contact the South Carolina Department of Insurance.