The best homeowners insurance company in South Carolina is Travelers Insurance, according to our data. This guide covers the state’s top home insurers, natural disaster coverage options, average home insurance costs and more.
Travelers
Travelers partners with Neptune Flood to provide private flood insurance as an alternative to the federally run National Flood Insurance Program. Its home insurance comes with endorsement options that can pay for things such as eco-friendly upgrades after a loss or damage from backed-up sewers. You can get a discounted rate by having a certified green home, bundling policies and more.
This provider receives fewer complaints than expected for its size, according to the National Association of Insurance Commissioners or NAIC. However, its customer satisfaction is below average, according to the ratings firm J.D. Power.
USAA
USAA has specific eligibility requirements that limit its members to current and former military personnel, their spouses and children, and certain federal employees. If you qualify, this provider offers more comprehensive coverage than most, including personal property replacement cost protection, identity theft coverage and special gear coverage for active duty military.
State Farm’s
Your policy will be automatically adjusted to keep pace with rising construction costs due to inflation. In addition, State Farm offers several discounts and add-on options, such as coverage for backed-up sewers or identity theft. In South Carolina, you may qualify for a discount for impact-resistant roofing materials.
Allstate
With Allstate, you can get private flood insurance through its partnership with Beyond Floods. This insurer also has optional features that can help prevent your rate from rising after a claim or reward you for staying claim-free, as well as add-on coverages for musical instruments, sports equipment and more. Discounts are available for policy bundles, recently purchased or newly built homes, and other qualifying factors.
However, Allstate is the only top South Carolina provider with a high NAIC consumer complaint index score.
South Carolina Farm Bureau
Like State Farm, South Carolina Farm Bureau Insurance will adjust your coverage for inflation each year to ensure your policy limits keep up with rising construction costs. You can add coverage for valuables, a small boat or an all-terrain vehicle. You may be eligible for discounts for bundling or installing protective devices.
South Carolina Farm Bureau receives an average number of consumer complaints, according to the NAIC.