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Homeowner’s policies come in standard packages which are the same for almost all states. Each package protects against specified events that cause damage to property, such as fire or theft. In addition, each policy package typically contains four additional types of coverage: property damage, additional living expenses, personal liability and medical payments. The better your coverage, the less you will have to pay out of your own pocket if disaster strikes.

The most common homeowners insurance policies in South Carolina and their respective coverages are:

• HO-1. Fire, Lightning, Explosion, Windstorm, Riot, Civil Commotion, Vehicles, Aircraft, Smoke, Theft, Vandalism, Malicious Mischief and Volcanic Eruptions
• HO-2. Includes perils in HO-1 along with Falling Objects, Weight of Ice, Snow or Sleet, Disacharge of Water or Steam, Sudden Accidental Rupture, Artificially Generated Electrical Current, Freezing of Plumbing and other Related Systems
• HO-3. The most popular form that includes perils of HO-2 along with ther perils specified except for flood, earthquake, nuclear hazard or war.
• HO-4. Policy for renters of houses or apartment. This covers perils in HO-2 along with additional liability coverage, additional living expense and possible medical coverage.
• HO-6. Policy for condominum owners. Insures personal property and alterations not provided for by the condominium association. This normally covers everything stated in HO-2 perils.
• HO-8. Policy for older homes where replacement value exceeds current market value. Normally excludes the following perils: Falling Objects, Weight of Ice, Snow, Sleet, Disacharge of Water or Steam, Sudden Accidental Rupture, Artificially Generated Electrical Current, Freezing of Plumbing and other Related Systems

Bear in mind, these are general guidelines and not all insurers use these exact terms to describe their home insurance coverage. Be sure to read your policy carefully and speak with an agent about your actual coverage.

Insurance companies base your premium several factors such as the replacement cost of your home, its construction materials, the area where you live, your claims history and your credit score. Pricing does vary by carrier so we highly recommend shopping around. We can help. Our simple process will connect you with duly licensed insurance agents who can help you discuss your needs, coverage and pricing options.