Homeowner's Insurance

Homeowner's insurance protects you from financial losses caused by storms, fire, theft, and other perils as outlined in your policy. 

Finding Homeowner's Insurance

When shopping for any type of insurance, it's important to compare coverage, customer service, and quality along with the cost of the premium.  All consumers are strongly encouraged to shop around - get quotes from multiple companies before purchasing a new policy or renewing your current coverage.

If you're turned down by an insurance company, don't be discouraged.  Every insurance company has their own underwriting criteria, so you should reach out to licensed agents in your area who represent other companies to consider.

If you need help, consider requesting assistance through Insurance Locator, a free program offered by the SC Department of Insurance that helps South Carolinians find property insurance coverage by connecting them with insurance agents and companies in their local area.  Find out more at doi.sc.gov/InsuranceLocator.

How Much Coverage Do You Need?

The National Association of Insurance Commissioners (NAIC) has a number of resources designed to help consumers shopping for home insurance:

Find more information from the NAIC at InsureUOnline.org.

Contact Our Office of Consumer Services with Questions 

The SCDOI's Office of Consumer Services can help answer your questions about home or other types of insurance.
Email: consumers@doi.sc.gov│ Call: 803-737-6180│ Toll-Free: 1-800-768-3467
8:30 a.m. - 5:00 p.m. (Mon. - Fri.) 

File an Insurance Complaint

If you're having a specific problem with an insurance company, broker, agent, or adjuster, file a complaint with our Office of Consumer Services at doi.sc.gov/complaint