Conway is the heart of Horry County — a historic community with deep roots, a growing population, and a housing market that continues to attract new residents from across the country. Whether you've lived in Conway for decades or recently made it your home, protecting your property with the right homeowners insurance is one of the most important financial decisions you can make. Conway's location along the Waccamaw River, combined with its proximity to the coast, creates a specific set of risks that homeowners need to understand. Moore & Associates Insurance has been serving Horry County families since 1979 and knows exactly what Conway homeowners need.

Conway sits in a region where multiple weather and geographic risks converge. The Waccamaw River runs through and around the city, and portions of Conway fall within FEMA-designated flood zones. Flooding from the river — particularly after major storms or extended rainfall — has affected neighborhoods throughout Conway and the broader Horry County area. Hurricane Florence in 2018 caused historic flooding along the Waccamaw that displaced thousands of Conway residents and demonstrated just how serious the flood risk is in this area.

Beyond flooding, Conway homes face the wind exposure that comes with being in South Carolina's coastal plain. While Conway is inland compared to Myrtle Beach, tropical storm-force winds can reach the area during hurricane season, causing significant damage to roofs, trees, and structures. Understanding how your policy responds to both wind and flood events is essential.

A standard homeowners insurance policy provides several key protections. Dwelling coverage pays to repair or rebuild your home's structure after a covered loss — fire, windstorm, lightning, vandalism, and more. Other structures coverage extends protection to detached garages, outbuildings, and fences on your property.

Personal property coverage protects your furniture, appliances, electronics, clothing, and belongings against covered losses. Loss of use coverage pays for temporary housing and additional living expenses if your home becomes uninhabitable after a covered event. Liability and medical payments coverage protect you if someone is injured on your property or if you're found responsible for damage to someone else's property.

It's important to note that standard homeowners policies do not cover flood damage. In Conway, where flood risk is a documented and serious concern, a separate flood insurance policy is not just a recommendation — for many homeowners, it's a necessity.

Many Conway homeowners assume they don't need flood insurance if they're not in a high-risk flood zone. That assumption is costly. FEMA data shows that a significant percentage of flood claims come from properties outside designated high-risk zones — and in an area like Conway, where storm events can produce rainfall and river flooding well beyond what flood maps predict, the risk is real even for homes in moderate or low-risk zones.

Flood insurance is available through the National Flood Insurance Program (NFIP) or through private flood carriers that often offer more flexible coverage options and faster claims processes. Moore & Associates can compare both options and help you determine the right level of flood protection for your specific property and flood zone designation.

Conway has a significant stock of older homes — many with charm and character, but also with features that can affect insurance costs and coverage. Older electrical systems, knob-and-tube wiring, outdated plumbing, and older roof materials can all impact your ability to obtain coverage and the premium you'll pay. Some carriers have specific requirements around home age and condition, and understanding those requirements before you bind coverage can save you from surprises at claim time.

Replacement cost versus actual cash value is another important distinction for Conway homeowners with older properties. Replacement cost coverage pays to rebuild your home using current materials and labor costs, without deducting for depreciation. Actual cash value coverage factors in depreciation, which can leave you significantly short on a major loss. For most homeowners, replacement cost coverage is worth the additional premium.

When it comes to insuring your home in Conway, working with a local independent agent makes a real difference. Moore & Associates has been part of the Horry County community for over 45 years, and we understand the specific challenges Conway homeowners face — from river flooding to aging homes to wind exposure during storm season. We work with multiple top-rated carriers to compare coverage options and find the policy that gives you the right protection at the best available rate.

Contact Moore & Associates today for a free, no-obligation homeowners insurance quote for your Conway home. We're here to answer your questions and make sure your most valuable asset is properly protected.