Horry County, SC Homeowners Insurance Quotes

Are you shopping for homeowners insurance for your Horry County SC home? We can help you find the best rates and coverage options available at GetHomeInsuranceQuotes.com. We provide up to 12 comparison quotes from the most competitive top-rated home insurance companies available in South Carolina. Our agents specialize in the best rates for Horry County and have over 20+ years of experience. We are ready to help you take advantage of our free consulation so you can review the most affordable home policies available, with the best dwelling and liability coverage plans. Protecting your home from hurricanes, lightning and fires is important to every homeowner. But that's not all your homeowners policy is limited to, ask our agents what coverage is the right fit for you. We have a variety of options to choose from to make sure your home and family are safe.

Horry County Coastal Home Insurance

Because Horry County is considered a coastal area, it is important to know that flood protection is crucial for homes in Horry County that are prone to hurricanes and tropical storms. We recommend you speak with us if you have questions about your coastal policy coverage. Flood insurance coverage is not part of your basic homeowners (HO-3) policy, but can easily be bundled to help give you the added protection you need. We offer an easy way to review the best flood insurance rates for Horry County, please give us a call at 888-620-1954 for completitive flood insurance rates in your area.

Average Rates in Horry County

Did you know the average home insurance premium for the state of South Carolina is $1327 a year. That's $110.58 a month in home insurance cost. Now depending on if this average premium is higher or lower than what you are currently paying, it's also smart to keep in mind who your current insurance carrier is and what type of coverage you currently have available for your home in Horry County. We can help you save up to 40% by applying all the available discounts and credits, plus shopping your coverage with up to 12 different home insurance providers that currently have competitive rates in Horry County SC. Simply give us a call now at 1-866-918-3404

For all Horry County, SC residents, you can select your city below to review more information about homeowners insurance in your local area. Information includes city demographics, facts and average premium rates for homeowners on an annual and montly basis. If you are searching for insurance rates nearby then click your city below.

Are you looking for a homeowners insurance quote in Horry County? Simply enter your zip code to get your South Carolina homeowners insurance quotes and receive up to 12 competitive quotes and coverage options in your area.

Horry County, SC Housing Demographics

With 269,291 residents living within the Horry County area there are over 185,992 homeowners looking for more affordable home insurance rates. Your homeowners policy is written to help protect your home and family. With an estimated 72,254 families living within the local area, it is safe to say that great coverage at an affordable price is most desired amongst every homeowner living in Horry County.

Horry County, SC Coastal Wind, Hail & Flood Information

For all homeowners living in Horry County (FIPS: 45051), it's important to understand that this county is in a coastal area and has great risk of damage due to hurricanes, windstorms, hail and flooding. The wind and hail insurance program provided through the state of South Carolina is the states opportunity to help provide additional wind/hail coverage when insurance companies exclude it from homeowners and other policies sold to coastal residents. You can buy wind and hail insurance coverage through us and we will shop multiple companies to package the best coverage option for you. If you are shopping for quotes in Horry County, SC, it's important that you look into hurricane and windstorm insurance options.

Horry County boarders a shoreline which increases the risk of wind, hail and flood damage. We will look into providing the best rates possible considering your home is located in the coastal area of South Carolina.

Helpful Articles:

• Wind & Hail Home Insurance Coverage Guide
• Am I underinsured for hurricane damage?

• Coastal South Carolina Home Insurance Rates Posted on Saturday 30th December, 2023

  South Carolina is an amazing place to call home. It is overflowing with world-class cities, beautiful beaches, museums, and restaurants. It is truly a wonderful place to live. Unfortunately, some of our beautiful coastal cities, Myrtle Beach, Charleston and Hilton Head as an example come with some pretty high homeowners insurance premiums if you live […]

• Will my home insurance cover roof replacement? Posted on Saturday 24th December, 2022

  The answer to the question “does insurance cover roof replacement,” is not always clear cut. In most cases, it will depend on the reason that your roof needs to be replaced.  If your roof has simply reached the end of its life, the cost to replace it will fall to you. On the other hand, […]

• Am I underinsured for hurricane damage? Posted on Thursday 26th August, 2021

  Tropical Storm Henri hit the Northeast pretty hard over the last week and for many homeowners the pain caused by the storm could just be getting started. Unfortunately, many homeowners may be underinsured or not have the right coverage in place when it comes to tropical storm and hurricane damage. A recent study by Policygenius […]

As a homeowner, you have to understand that insurance companies see homes as a risk. If you can decrease any of the risk factors that will determine your premium, then it's best to follow these important guidelines in order to save money on your South Carolina homeowners insurance.

• Install A Smoke Alarm in Every Room: It's important you do this for your own safety, so why not install a smoke detector in every room. Show your home insurance company that safety comes first. Once you have them installed, shop for home insurance and mentioned you have taken the right safety precautions to reduce house fires. For homeowners in Horry County, this discount can save you up to 20% on your home insurance premium.
• Combine Your Home and Auto Insurance Into One Package: Any home insurance provider is going to want your business. It's important you offer this opportunity to combine your home and auto insurance together in one package. You may want to also see if you can open up a life or health insurance account as well. Merging all your insurance into one company will save you money. Homeowners in Horry County that do combine their home and auto can save over $500 with this discount.
• Install A Home Security System: Your home insurance company should reward you for installing a home security system, sometimes up to 22%. It's important that you take precautions and reduce the risk of someone breaking into your Horry County home. This will be one of the questions that you will want to ask your home insurance agent to see if you qualify for this discount. If you don't, make sure you shop other companies to get the "Home Security Discount"
• Purchase A Fire Exstinguisher: Although smoke alarms provide warnings, it's best to be prepared. This may or may not provide any stand alone discount, but it shows your serious when it comes to reducing risk.
• Stop Smoking: It's important to protect your health and your home. If you don't smoke or don't have anyone living with you that smokes then this can save you up to 18% on your home insurance premium.