Home Insurance Greenville, SC

Typically the house, other structures, personal property, loss of use, and personal liability for covered claims. If you’re unsure, call an agent or get a quote to see options.

No, but most lenders require it. Even mortgage-free owners carry it to protect assets and relocation costs after a loss.

Enough to rebuild, not the purchase price. We estimate local labor/materials and model scenarios in our coverage comparison… or speak with an agent.

HO-3 is open-peril for the home (named exclusions) and named-peril for contents. Ask about wind/hail, water backup, and special limits.

Flood is typically excluded. If your area or lender requires it, add an NFIP or private flood policy. Get more info.

Replacement cost pays to replace with new (no depreciation). ACV subtracts depreciation. We’ll show both on your quote.

Many carriers include wind/hail but may apply special deductibles. We’ll confirm your ZIP’s rules… call an agent.

Water backup, increased special limits, equipment breakdown, service line, and ordinance or law coverage are popular.

Yes if values exceed sub-limits. Scheduled items often have broader coverage. Compare examples in our TN homeowners guide.

Business property and liability are limited. You may need an endorsement or separate policy. Get a quote to see options.

Standard forms exclude many rental exposures. Ask about a landlord/short-term rental endorsement or a DP-type policy.

It covers damage from sump/backup overflows… not flood. Limits are chosen; it’s a common Greenville add-on.

Roof age/material, claim history, construction type, protection class, deductible, and credit where allowed all play a role.

Bundle with auto, raise deductibles thoughtfully, add protective devices, and review endorsements annually… compare options.

Yes. Newer roofs and impact-resistant materials rate better. Ask about discounts or credits for upgrades.

Often. Home + auto bundles can save meaningfully. See my rate or speak with an agent.

Monitored alarms, water shutoff devices, and smoke/CO systems often help… savings vary by carrier.

Many carriers use an insurance-based score where allowed. We’ll match you to favorable rating tiers.

Higher deductibles lower premium but raise out-of-pocket. We’ll show how $1k vs $2.5k changes your price… get more info.

Report the loss, document damage, meet the adjuster, and approve repairs. Loss of use covers temporary housing if needed.

Some policies use a %-based deductible for named storms or wind/hail. We’ll clarify your ZIP’s rules and options.

Often for a period. We reshop at renewal and target carriers that rate your history more favorably. See regional context in Aiken Insurance.

Yes, subject to policy terms. Carrier preferred networks can speed billing… choose what’s best for you.

It helps pay for hotel or rental while covered damage is repaired, up to policy limits.

Declarations page, mortgagee clause, evidence of insurance, and paid receipt. We can send them same day… call an agent.

Yes. We add the lender as mortgagee so bills and proof route correctly.

Usually within minutes after binding. See what appears on ID cards in this guide, or get a quote now.

We adjust limits or endorsements and resend documents quickly… speak with an agent.

Often yes. We coordinate with your escrow to avoid gaps and duplicate billing.

Yes, on request. We can add additional interest and send certificates as needed.

Yes, an HO-6 covers walls-in property, improvements, personal property, liability, and loss assessment. Get more info.

It insures tenant-occupied homes with dwelling coverage, loss of rents, and landlord liability. See examples in our WV homeowners guide.

Many require it. A policy covers your belongings and liability… often very affordable. See my rate.