South Carolina Home and Auto Insurance

Brightway Insurance, The Ganim Agency is based in Raleigh, NC, and licensed in South Carolina. We help South Carolina homeowners and drivers compare coverage by phone and video, including coastal homes where wind coverage takes extra work.

South Carolina auto insurance requirements

South Carolina's minimum auto liability limits are 25/50/25:

Uninsured motorist coverage is also required. These minimums are low compared to the cost of a serious accident, so many drivers choose higher limits, and homeowners often add an umbrella policy.

South Carolina homeowners insurance basics

A homeowners policy typically covers your home, other structures, belongings, extra living expenses after a covered loss, and liability. In South Carolina, pay close attention to:

Coastal homes and wind coverage

In parts of coastal South Carolina, some carriers exclude wind and hail from the homeowners policy. When that happens, wind and hail coverage may come from the South Carolina Wind and Hail Underwriting Association (SCWHUA), often called the Wind Pool. It covers eligible properties in the coastal territory it serves.

A few things to know about SCWHUA, from its own guidelines:

Many coastal homeowners can still get full coverage in the regular market. The SC Department of Insurance reported that in 2025, 92% of dwellings in the coastal SCWHUA territory were covered in the admitted (standard) market. That's why it's worth comparing several carriers before settling for a wind pool policy.

The SC Safe Home grant

The SC Department of Insurance runs the SC Safe Home program, which offers grants to help coastal homeowners strengthen their homes against wind, for example with stronger roofs or storm shutters. Eligibility includes living in a designated coastal county, owning and living in a single-family home, and having active homeowners insurance. Grant amounts depend on the project type and household income, and funding periods open and close, so check the program's site for current status.

Frequently Asked Questions

What are South Carolina's minimum auto insurance limits?

25/50/25: $25,000 per person and $50,000 per accident for bodily injury, and $25,000 for property damage. Uninsured motorist coverage is also required.

What is the SC Wind Pool?

The South Carolina Wind and Hail Underwriting Association (SCWHUA) provides wind and hail coverage for eligible coastal properties, often when a homeowners policy excludes wind.

What is the deductible on an SCWHUA policy?

The standard is 3% for Zone 1 and 2% for Zone 2 properties, with higher deductibles available for a premium credit.

Does homeowners insurance cover flood in South Carolina?

No. Flood requires a separate policy. It's strongly recommended for coastal and low-lying homes.

Can I get a grant to make my coastal home stronger?

Possibly. The SC Safe Home program offers mitigation grants for eligible owner-occupied homes in designated coastal counties. Check the SC Department of Insurance website for current availability.

Get a Free Quote From a Local Independent Agent

Brightway Insurance, The Ganim Agency is an independent Brightway agency based at 5561 McNeely Dr, Unit 203, in Raleigh. We've served clients since 2014 and are licensed in North Carolina, Virginia, South Carolina, and Texas. Because we're independent, we can compare several carriers for you instead of just one. Carrier availability varies by state and by property.

Start your quote online or call 919-443-3300 to talk with our team.