South Carolina Homeowner's Insurance
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Understanding South Carolina Homeowner's Insurance
Will I be required to purchase South Carolina homeowner's insurance?
If you have taken out a loan to finance the purchase of your home, the lender will most likely require you to take out a South Carolina homeowner's insurance policy. This protects their investment in case your home is damaged or destroyed.
Once your loan is paid in full, you may cancel your South Carolina homeowner's insurance, but doing so puts your home—and your wallet—at great risk for loss.
Are there different forms of South Carolina homeowner's insurance?
Yes. The three most common forms of South Carolina homeowner's insurance are Basic, Broad and Special.
Basic—protects your home and its contents from 11 basic perils including fire or lightning, hail or windstorm and damage or loss caused by theft or vandalism.
Broad—protects your home from the basic 11 perils plus six more. Additional perils include weight of snow or ice, building collapse and water damage from home appliances.
Special—protects your home from all perils except for particular exclusions such as earthquake and flood.
Does South Carolina homeowner's insurance cover damage caused by tornadoes?
According to the South Carolina Department of Insurance, most South Carolina homeowner's insurance polices provide coverage for damage caused by tornadoes and high winds. Your South Carolina homeowner's insurance will also cover the belongings inside the dwelling as well as any other buildings on your property.
How long will my policy last?
Typically, the duration of your South Carolina homeowner's insurance policy will be determined by your agent. It is important to understand that there are expiration dates on homeowner's insurance and your policy will need to be renewed at some point to keep it in tact. Be sure to ask your agent about these deadlines.
What if my agent decides not to renew my South Carolina homeowner's insurance?
By law, an agent or company can non-renew for any reason. If your company chooses not to renew your South Carolina homeowner's insurance, it must notify you of such 30 days before the policy's expiration date. Your company must also provide you with a written explanation as to why your policy was not renewed.
Can my South Carolina homeowner's insurance be cancelled?
According to the South Carolina Department of Insurance, an insurance company reserves the right to cancel your South Carolina homeowner's insurance during the first 90 days of your policy for any reason.
The company is required to send you notification of cancellation 30 days before the policy expires. If you feel your South Carolina homeowner's insurance has been non-renewed or cancelled unfairly, state your concern to your insurance company. If you are not satisfied with the result, contact the South Carolina Department of Insurance at (800) 768-3467.
What if I still have questions about South Carolina homeowner's insurance?
For additional information on South Carolina homeowner's insurance, contact the South Carolina Department of Insurance at (800) 768-3467 or visit them on the Web.
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