You have decided that you want to live in the natural paradise that is beautiful South Carolina. Why wouldn’t you? You can live in the mountains. You can live on the beach. You can live in between and be a short drive to either one. What’s not to love?
If you are going to make the investment to put down roots in the great state and buy a home, you need to make certain that you understand Carolina Home Insurance.
Unlike vehicle insurance, homeowner’s insurance is not required by law to be purchased. However, they should not factor into your decision to have insurance or not to have insurance.
Look at it this way. Purchasing a home is usually the largest purchase and investment that a family will make in a lifetime. It is extremely important that you protect that investment by purchasing South Carolina Home Insurance.
The protection that home insurance can provide you and your family can take care of your present and future. It can protect you from the dangers of daily living like fire or storm damage, which are two very common occurrences especially in Carolina. Hurricanes and forest fires are not unheard of even in the same calendar year. With South Carolina Home Insurance, you can fix what happens today and keep your home for your family’s future for generations to come.
Homeowner’s insurance is designed not only to protect the integrity of your property, but to also guard those who use the property. It is a policy to cover the physical property and personal liability of your family and others while on your property.
South Carolina Home Insurance
Generally speaking there are six basic types of home insurance offered to residents of the Carolinas. They are:
Homeowner’s Broad Form, Homeowner’s Special Form, and Homeowner’s Comprehensive Form are all variation that are used to offer coverage to those who own a single-family dwelling or townhouse.
Homeowner’s Contents Broad Form is a policy that may be used to provide coverage for your personal property located in rental property that you occupy. In most places, including South Carolina, this is referred to as Renter’s Insurance. Renter’s Insurance is very affordable way to provide personal property protection.
Homeowners Unit-Owners Form is used to provide coverage on your condominium and personal property located in the condominium. Condominiums are a very popular dwelling choice in Carolina, especially in the larger cities and coastal communities.
Homeowners Modified Coverage Form may be used to provide coverage on older homes.