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Myrtle Beach Home Insurance
Finding the Best Affordable Rates
Here at A Plus Insurance , we find you the lowest and most competitive Myrtle Beach Home insurance rates in South Carolina.
- Best Companies for Myrtle Beach Home Insurance
- Who Offers Homeowners Insurance in Myrtle Beach?
- Discounts You Need to Know About for Your Myrtle Beach Home Insurance
- What Can you Bundle with your Homeowners Insurance with?
- Most Common Causes for Loss and Claims for Myrtle Beach Homeowners Insurance
- Home Insurance in Myrtle Beach – Why Your Policy Might be so High: Rating factors for
- Homeowners Insurance: Do You Know What Your Insurance Covers in Myrtle Beach?
- Average Cost of Home Insurance in Myrtle Beach South Carolina
- How Much Is Myrtle Beach Homeowners Insurance? Rates by Company
- Myrtle Beach Homeowners Frequently Asked Questions
- Additional Helpful Links For Your Auto and Home Insurance Needs
- Questions About Homeowners Insurance In Another State?
- Other Guides to the Best Insurance Rates in Myrtle Beach
Best Companies for Myrtle Beach Home Insurance
When shopping for homeowners insurance in Myrtle Beach, make sure you take the time to compare multiple companies to ensure you are getting the most affordable and competitive price. Don’t forget to also make sure that you home is also covered against any perils living on the east coast.
Check below to see the companies in your area that are top contenders for the most affordable home insurance rates.
| Company | AM Best |
|---|---|
| Travelers | A++ |
| Hartford Financial | A+ |
| Progressive | A+ |
| Allstate | A+ |
| Auto-Owners Insurance | A |
| USAA | A++ |
| State Farm | A++ |
| Nationwide | A |
| American Family | A |
| Chubb | A |
| Farmers Insurance | A |
| Liberty Mutual | A |
Who Offers Homeowners Insurance in Myrtle Beach?
Did you just purchase a home in Myrtle Beach South Carolina? We made it easy for you and listed a few companies that offer Homeowners insurance there!
Take a moment to give us a call and one of our agents will provide you a free, fast home insurance quote. Our agents are knowledgeable and able to find you the coverage you need, for the price you want by comparing multiple insurance companies for you.
| Company | Homeowners Offered |
|---|---|
| Progressive | yes |
| Nationwide | yes |
| USAA | yes |
| MetLife Inc. | yes |
| Hartford | yes |
| Farmers Insurance | yes |
| Travelers | yes |
| American International | yes |
| Auto-Owners | yes |
| American Family | yes |
| Allstate Corp. | yes |
| Chubb | yes |
| Liberty Mutual | yes |
| Statefarm | yes |
Discounts You Need to Know About for Your Myrtle Beach Home Insurance
Who doesn’t like saving a little bit of money, especially after just purchasing a home? Did you know that there are numerous ways you can get discounts on your homeowners insurance?
Some of the discounts available have to do with home safety features to avoid accidents, such as smoke alarm, fire extinguisher, and home security system.
Other great money saving discounts include the bundling discount. Did you know you can bundle you auto, home, RV, and motorcycle all together to save money?
Below are some discounts available to you.
| Homeowners Discounts |
|---|
| Being in a Gated Community |
| Monitored Smoke Detector |
| Automatic Payments – Pay In Full on Premium |
| Non-Smoking Discount |
| Upgraded Roof – Repaird or Replaced |
| Updated Plumbing |
| Home Monitoring / Burglar Alarm Reporting System |
| New Purchase Discount |
| Married Discount |
| Bundling Multiple Polices |
What Can you Bundle with your Homeowners Insurance with?
Bundling your home and auto can save you money! But did you know that you can bundle other things with your homeowners insurance and save?
Whether you just purchased an RV or Motorhome to take out camping, or you have an old ATV sitting in the garage, you can bundle your insurance with your home policy to save.
Most homeowners save 10% on each insurance policy just by bundling with the same insurance provider.
Look at some ideas below!
| Bundling Options |
|---|
| ATV |
| RV |
| Boat |
| Umbrella |
| Business |
| Motorcycle |
| Health |
| Auto |
| Life |
Most Common Causes for Loss and Claims for Myrtle Beach Homeowners Insurance
Having a home will be one of the most important investments you could ever have. You will want to make sure that your home in Myrtle Beach is protected against any catastrophe, including anything that may happen during hurricane season.
Regular South Carolina homeowners insurance will traditionally cover you against perils such as wind, fire or theft. However, living in Myrtle Beach or in certain zoning areas along the coast, you are more than likely to have other perils occur to the home. Hurricane insurance needs to be purchased separately to ensure your home is protected against wind, flood and storm surges.
| Loss and Claims Factors |
|---|
| Hurricane |
| Power Surge |
| Lightning |
| Vandalism |
| Wind |
| Water Damage |
| Fire |
| Hail |
| Injuries |
| Theft |
| Other Weather Related |
Home Insurance in Myrtle Beach – Why Your Policy Might be so High: Rating factors for
When catastrophes such as a hurricane or hail factors are high in your area, typically insurance can increase due to the risk of insurance the home. A huge rating factor will be the replacement cost of the home, age of the home, and square footage of the house.
Other factors that may determine your home insurance premium in Myrtle Beach is if you had any claims in the last 5 years, if you have any dogs of a certain breed
Keep these rating factors in mind when purchasing a new home in Myrtle Beach.
| Rating Factors |
|---|
| Roof Condition |
| Swimming Pool or Hot Tub |
| Location |
| Claims |
| Wood-Burning Stoves |
| Credit History |
| Home Liability Limits |
| Dog Breed |
| Protection Class Proximity to Fire Station |
| Upgrades to Wiring and Plumbing |
| Age of Home |
| Value of Home Replacement Cost |
| Marital Status |
| Home-Based Business |
Homeowners Insurance: Do You Know What Your Insurance Covers in Myrtle Beach?
Average Cost of Home Insurance in Myrtle Beach South Carolina
Homeowners rates can be different by city, state and company and how much the home is worth.
Remember, when purchasing home insurance, the cheapest company is not always the best fit.
By taking the time, you can insure that your home insurance company will be there for you in the time that you may need them, instead of hassling over an insurance claim for months.
| City | Price |
|---|---|
| Greenwood | $1,280 |
| Burton | $1,120 |
| North Charleston | $1,173 |
| Rock Hill | $1,291 |
| Conway | $1,167 |
| Dentsville | $1,343 |
| Five Forks | $1,360 |
| Gaffney | $1,173 |
| Beaufort | $1,160 |
| Berea | $1,207 |
| Summerville | $1,324 |
| Taylors | $1,224 |
| Columbia | $1,422 |
| Florence | $1,121 |
| Garden City | $1,326 |
| Oak Grove | $1,153 |
| Irmo | $1,331 |
| Goose Creek | $1,191 |
| Anderson | $1,319 |
| Myrtle Beach | $1,271 |
How Much Is Myrtle Beach Homeowners Insurance? Rates by Company
Before purchasing a home, you should consider the rating factors for homeowners insurance. Rates can vary between, each company for the same exact coverage. Make sure you shop several companies to insure you are getting the best coverage for a affordable rate.
Below is a list of several home insurance companies and their average cost in Myrtle Beach, South Carolina.
| Company | Homeowner Premium ($250,000 Dwelling Average) |
|---|---|
| Erie Insurance | $1,360 |
| Liberty Mutual | $1,284 |
| Auto-Owners Insurance | $1,370 |
| Chubb | $1,318 |
| Nationwide Mutual | $1,367 |
| State Farm | $1,425 |
| Farmers Insurance Group | $1,466 |
| Allstate | $1,520 |
| Hartford Financial Services | $1,472 |
| Travelers Companies Inc. | $1,492 |
| Progressive | $1,431 |
| USAA | $1,296 |
| MetLife Inc | $1,267 |
| American International | $1,402 |
Myrtle Beach Homeowners Frequently Asked Questions
What is the average cost of Homeowners Insurance in Myrtle Beach, South Carolina?
The average cost for home insurance in Myrtle beach is $1,200-$1,500 a year.
Is Homeowners Insurance required in South Carolina?
Homeowners Insurance is not required in South Carolina, unless you have a home loan. Home insurance is always strongly advised for all homeowners especially with the amount of catastophes such as hurricanes that happen year round being near the coast.
Which Companies offer the Best Home Insurance Discounts in Myrtle Beach?
Travelers, Progressive (ASI) and Allstate offer great discounts to save on home insurance. Be sure to check out our page to find out what discounts are available to you.
Additional Helpful Links For Your Auto and Home Insurance Needs
Questions About Homeowners Insurance In Another State?
Other Guides to the Best Insurance Rates in Myrtle Beach
| Additional South Carolina Insurance |
|---|
| Cheap Auto Insurance in Myrtle Beach, South Carolina |
| Affordable Home Insurance Greenville, SC |