South Carolina Homeowners Insurance

South Carolina Homeowners Insurance

South Carolina is famous for its subtropical beaches, sandy sea islands and a balance of country and city living that adds up to an easygoing way of life.

The Palmetto State boasts nearly 3,000 miles of shoreline, complete with sprawling resorts and offshore fun, making it the perfect place for beach lovers. But those idyllic beaches and waterfronts that make South Carolina an appealing place to call home also carry unique risks for homeowners.

We understand the issues South Carolina homeowners face and offer a comprehensive range of products to help protect the life you’ve built.

 

SageSure offers the following products for residents in South Carolina:

Homeowners Policy (HO-3)

Our HO-3 homeowners policy protects your home and belongings from a broad range of risks, including weather, fire, theft, vandalism and pretty much everything in between. Unless your policy explicitly excludes an event, you’re covered. The policy also provides liability coverage, so you’re protected should you, a family member or a pet accidentally injure someone or damage their property.

Homeowners Policy (HO-5)

With an HO-5 policy, we will compensate you for damages to your home and belongings, regardless of what caused that damage. A key distinction between an HO-3 and HO-5 policy is that while both policies provide broad coverage for your home’s physical structure, an HO-5 policy offers more coverage for belongings inside that structure.

Manufactured Home (MHO)

Our MHO policy protects your manufactured home and belongings from a broad range of events. Unless those events are expressly excluded in the policy, you’re covered. The items inside your manufactured home are covered on an actual cash value basis, so we’ll reimburse you for the value of those items at the time of the loss. The policy also provides liability coverage, so you’re protected should you, a family member or a pet accidentally injure someone or damage their property.

Dwelling Fire (DP-3)

If you own a property but don’t live there, a standard homeowners policy likely won’t protect it in case of a fire. A DP-3 dwelling fire policy covers rental and other non-owner occupied homes from damage caused by a fire. These policies protect the home and attached or unattached structures, such as porches or outbuildings, but do not cover the renters’ belongings.

Condo (HO-6)

Our HO-6 policy covers the interior structure of a condo unit as well as your personal belongings from a variety of events. Think of it as a “walls-in” policy – if the damage happens to the walls or anything inside the unit, you’re covered. Condo owners usually have a “master policy” which covers damage to building exteriors, windows, common areas and other areas shared by other unit owners. Our HO-6 policy also offers liability coverage, so you’re protected if you accidentally injure someone or cause damage to their property.

Learn More

For more information about our products, contact SageSure Customer Care at (800) 481-0661 or email us.