Comprehensive South Carolina Homeowner's Insurance

We understand your home is much more than an investment. It's your safe haven, and a place where you and your family create memories. You need to know that you can count on your insurance company to be there when you need them most.

At Farm Bureau Insurance, we have a proud heritage of providing our South Carolina customers with comprehensive homeowner's insurance policies. We offer coverage you can count on at an affordable price.

What a Homeowner's Policy Covers

Farm Bureau Insurance offers several types of homeowner's insurance policies with various coverage options. Most of our South Carolina homeowner's insurance policies contain similar basic coverage options but the amount of coverage and specifics of the coverage can vary by the type of policy you have. Your local Farm Bureau Insurance agent will help you find the best coverage for your situation, review your policy with you, and answer any questions you may have. In this complicated world, we do our best to make your insurance experience uncomplicated.

Dwelling Protection

As the name indicates, Dwelling Protection protects the dwelling (building) on the residence premises and used as your private residence.

Protection for Other Structures

You might have other buildings on your property that are separate or detached from your primary residence. This coverage provides protection for other structures on the residence premises set apart from the dwelling by clear space. Your Farm Bureau Insurance agent can review the specifics of the policy and coverage limits.

Personal Property Protection

Your home is more than just brick and mortar. Your personal property – like furniture, artwork, and other possessions – is also important to you. The items inside your home are covered under your homeowner's policy under Personal Property Protection. Be sure to discuss your policy limits with your local Farm Bureau Insurance agent to determine if you may need to raise the limits for your personal property.

Loss of Use

If your home is damaged by a covered loss and deemed unlivable, you'll need to find another place to live while your home is repaired. Loss of Use covers additional living expenses (up to the limits of your specific policy) if your home becomes uninhabitable due to a covered loss.

Personal Liability

If someone is injured or their property is damaged while they are at your house, Personal Liability Coverage helps protect you and your family against a claim or lawsuit.

Medical Payments to Others

Medical Payments to Others coverage pays reasonable and necessary medical expenses to anyone who is injured while at your home and who does not live with you.

Additional Coverage Options

To better meet your individual needs, we offer several endorsements that can be added to your policy, including:

  • Boat and ATV (All Terrain Vehicles) Endorsement: This endorsement may be right for you if you would like to purchase physical and/or liability coverage for a small boat or an All Terrain Vehicle.
  • Personal Property Floater: This floater provides additional coverage over what is provided for within your homeowner's policy for valuable items, such as jewelry, silverware, and guns. Your local Farm Bureau Insurance agent can review your policy limits and help you determine if a personal property floater is right for you.

This information is only a general description of the available coverage and is not a contract. All coverage types are subject to availability and qualifications.

At Farm Bureau Insurance, we offer competitive rates on our South Carolina homeowner's insurance policies, but you may save even more with a variety of discounts we offer. Talk to your local Farm Bureau Insurance agent to learn more about discounts such as our:

  • Account Discount: Save 10% when you have a homeowner's policy and personal auto policy insured under the same membership.
  • Protective Devices Discount: The amount of discount varies based on the type of alarm installed in your home.
  • Loss-Free Discount: Save 5% if you have a homeowner's policy in force for 5 or more continuous years with no lapses in coverage and you have been loss free.

This information is only a general description of the available coverage and is not a contract. All coverage types are subject to availability and qualifications.

A homeowner's insurance policy typically does not cover losses resulting from flood damage or from earthquakes. Also, depending on your financial situation you may need to consider purchasing an excess liability policy, also called an umbrella policy, to protect your personal assets. Get a no-obligation quote today and rest easier knowing you have the protection you need.

This information is only a general description of the available coverage and is not a contract. All coverage types are subject to availability and qualifications.

Why Choose Farm Bureau Insurance

Farm Bureau Insurance is different from most insurance companies. We see you as a person not just as a policy number, so your Farm Bureau Insurance agent will take the time to review your unique needs, answer your questions and work within your budget. Homeowners across South Carolina turn to Farm Bureau Insurance because we offer coverage you can count on at a price that won't break the bank. Plus, when you purchase Farm Bureau Insurance you're showing your support for local, South Carolina farmers and helping to protect our supply of fresh, locally grown food. As a thank you, you gain access to a variety of discounts and benefits available to members of our Farm Bureau family.

Speak with a local agent today to get a personalized, no-obligation insurance quote.