# Homeowners Insurance Prices in South Carolina: Typical Ranges and What Drives Them _Last updated: 2026-10-05T07:43:17Z_ > Residents of South Carolina usually pay between $7,438 and $26,034 per year for homeowners insurance, and a typical job sits close to $13,916. ## Typical cost at a glance | Level | Price | | --- | --- | | Low | ~$7,438 | | Typical | ~$13,916 | | High | ~$26,034 | _Currency: USD, per year._ ## Cost by type | Type | Low | Typical | High | | --- | --- | --- | --- | | Baseline cost at the advertised rate | ~$7,438 | ~$16,736 | ~$26,034 | | Best-qualified applicant scenario | ~$6,099 | ~$15,156 | ~$24,212 | | Weaker-credit scenario | ~$8,033 | ~$20,939 | ~$33,844 | | Origination and third-party fees | ~$893 | ~$3,961 | ~$7,029 | | Shorter term with higher payment | ~$7,587 | ~$19,154 | ~$30,720 | ## What Homeowners Insurance typically costs Most buyers in South Carolina see homeowners insurance quoted between $7,438 and $26,034 per year. The typical figure is close to $13,916, and that is the number worth writing into a budget before you request quotes. ## What moves the price of homeowners insurance What pushes homeowners insurance toward the top of its range? Premium materials, awkward access, urgent scheduling, extra permits and disposal. Each is optional to a degree, and each should be itemised before you compare totals. ## How to compare quotes for homeowners insurance When you compare quotes for homeowners insurance, line up the scope, the materials and the timeline rather than just the totals. Ask each provider what would make the price rise after the quote is accepted. ## Who sets homeowners insurance prices No one publishes an official rate for homeowners insurance. Each provider costs the job from the ground up, so the figure reflects their materials, their time and their current workload. ## How homeowners insurance pricing varies around South Carolina The South Carolina market for homeowners insurance moves with local demand. When several providers are busy, quotes drift toward $26,034; when schedules are open, they settle nearer $13,916. ## Timing your homeowners insurance For homeowners insurance, same-day and after-hours call-outs sit at the top of the range. A standard appointment booked in advance gives you the best chance of the typical figure. ## Frequently asked questions ### How much does homeowners insurance cost? Most homeowners insurance falls between $7,438 and $26,034, with a typical figure near $13,916 per year. The low end is a straightforward job with no surprises; the high end covers complex scope, premium materials or urgent timing. For South Carolina, ask a provider to put that in writing with the quote. ### What affects the price of homeowners insurance? The honest answer is that it depends on the specifics. Compare the written scope first, then the price. Providers serving South Carolina can tell you how it affects a typical job. ### Is Homeowners Insurance cheaper in smaller cities? Often, but not always. Smaller markets can carry a travel or availability premium that offsets a lower local rate, so it is worth checking a nearby city before assuming the lowest published figure applies to you. Where you are in South Carolina can change the detail, so compare nearby quotes. ### How many quotes should I get for homeowners insurance? Two or three written quotes are enough to see the real market range. Compare the same scope side by side, and ask each provider what is excluded and what would change the price after the quote is accepted. The specifics vary across South Carolina, so confirm them with the provider you hire. ## Keep comparing - [Finance](/category/finance/) - [Tax Preparation](/south-carolina/tax-preparation/) - [Personal Loans](/south-carolina/personal-loans/) - [Auto Loans](/south-carolina/auto-loans/) - [Student Loans](/south-carolina/student-loans/) - [Business Loans](/south-carolina/business-loans/) - [Mortgages](/south-carolina/mortgages/) - [Alabama](/alabama/homeowners-insurance/) - [Alaska](/alaska/homeowners-insurance/) - [Arizona](/arizona/homeowners-insurance/) - [Arkansas](/arkansas/homeowners-insurance/) - [California](/california/homeowners-insurance/) - [Colorado](/colorado/homeowners-insurance/) - [Connecticut](/connecticut/homeowners-insurance/) - [Delaware](/delaware/homeowners-insurance/) - [District of Columbia](/district-of-columbia/homeowners-insurance/) - [Florida](/florida/homeowners-insurance/) - [Georgia](/georgia/homeowners-insurance/) - [Hawaii](/hawaii/homeowners-insurance/) - [Idaho](/idaho/homeowners-insurance/) - [Illinois](/illinois/homeowners-insurance/) - [Indiana](/indiana/homeowners-insurance/) - [Iowa](/iowa/homeowners-insurance/) - [Kansas](/kansas/homeowners-insurance/) - [Kentucky](/kentucky/homeowners-insurance/) - [Louisiana](/louisiana/homeowners-insurance/) - [Maine](/maine/homeowners-insurance/) - [Maryland](/maryland/homeowners-insurance/) - [Massachusetts](/massachusetts/homeowners-insurance/) - [Michigan](/michigan/homeowners-insurance/) - [Minnesota](/minnesota/homeowners-insurance/) - [Mississippi](/mississippi/homeowners-insurance/) - [Missouri](/missouri/homeowners-insurance/) - [Montana](/montana/homeowners-insurance/) - [Nebraska](/nebraska/homeowners-insurance/) - [Nevada](/nevada/homeowners-insurance/) - [New Hampshire](/new-hampshire/homeowners-insurance/) - [New Jersey](/new-jersey/homeowners-insurance/) - [New Mexico](/new-mexico/homeowners-insurance/) - [New York](/new-york/homeowners-insurance/) - [North Carolina](/north-carolina/homeowners-insurance/) - [North Dakota](/north-dakota/homeowners-insurance/) - [Ohio](/ohio/homeowners-insurance/) - [Oklahoma](/oklahoma/homeowners-insurance/) - [Oregon](/oregon/homeowners-insurance/) - [Pennsylvania](/pennsylvania/homeowners-insurance/) - [Rhode Island](/rhode-island/homeowners-insurance/) - [South Carolina](/south-carolina/homeowners-insurance/) - [South Dakota](/south-dakota/homeowners-insurance/) - [Tennessee](/tennessee/homeowners-insurance/) - [Texas](/texas/homeowners-insurance/) - [Utah](/utah/homeowners-insurance/) - [Vermont](/vermont/homeowners-insurance/) - [Virginia](/virginia/homeowners-insurance/) - [Washington](/washington/homeowners-insurance/) - [West Virginia](/west-virginia/homeowners-insurance/) - [Wisconsin](/wisconsin/homeowners-insurance/) - [Wyoming](/wyoming/homeowners-insurance/) - [Ontario](/ontario/homeowners-insurance/) - [Quebec](/quebec/homeowners-insurance/) - [British Columbia](/british-columbia/homeowners-insurance/) - [Alberta](/alberta/homeowners-insurance/) - [Saskatchewan](/saskatchewan/homeowners-insurance/) - [Manitoba](/manitoba/homeowners-insurance/) - [Nova Scotia](/nova-scotia/homeowners-insurance/) - [New Brunswick](/new-brunswick/homeowners-insurance/) - [Newfoundland and Labrador](/newfoundland-and-labrador/homeowners-insurance/) - [Prince Edward Island](/prince-edward-island/homeowners-insurance/) - [Charleston](/charleston/) - [Columbia](/columbia/) - [Greenville](/greenville/) - [Mount Pleasant](/mount-pleasant/) - [North Charleston](/north-charleston/) --- These are planning ranges drawn from public price data and market research. They are not a quote, an offer or financial advice, and your actual price depends on the provider, the location and the scope of the work.