Homeowners Insurance in Myrtle Beach, SC

What Is Homeowners Insurance?

Homeowners insurance protects your home, personal belongings, and financial assets from damage, theft, and liability claims. If you own a home in Myrtle Beach or anywhere along the South Carolina coast, this coverage is essential. It protects your largest investment and provides a financial safety net when the unexpected happens.

Whether you own a single-family home in Conway, a beach house in Surfside Beach, or a property in one of the golf communities around Murrells Inlet, homeowners insurance keeps you covered against fire, wind, theft, and liability risks that come with owning property in coastal South Carolina.

Why Myrtle Beach Homeowners Need Insurance

Owning a home along the Grand Strand comes with unique risks. Hurricanes, tropical storms, and severe weather are part of life on the South Carolina coast. A solid homeowners insurance policy protects you financially when storms, accidents, or unexpected events damage your property.

• Mortgage lenders require homeowners insurance to protect their investment in your property


• Covers damage from fire, wind, hail, lightning, theft, and vandalism


• Provides liability protection if someone is injured on your property and sues


• Pays for temporary housing if your home becomes uninhabitable after a covered loss


• Protects detached structures like garages, sheds, and fences

What Does Homeowners Insurance Cover?

A standard homeowners insurance policy in South Carolina — typically an HO-3 policy — includes several coverages that work together to protect your home, belongings, and finances.

Dwelling Coverage: Pays to repair or rebuild your home's structure if it's damaged by a covered peril. This includes the roof, walls, floors, foundation, built-in appliances, and systems like plumbing, electrical, and HVAC. If a fire damages your kitchen or a tree falls through your roof during a storm, dwelling coverage pays for repairs.

Other Structures Coverage: Protects detached structures on your property, such as garages, storage sheds, fences, and workshops. If the detached garage at your North Myrtle Beach home is damaged by wind or hail, this coverage helps pay for repairs.

Personal Property Coverage: Covers your belongings — furniture, electronics, clothing, appliances, and other personal items — if they're damaged, destroyed, or stolen. If someone breaks into your home and steals your TV and jewelry, personal property coverage reimburses you up to your policy limits.

Liability Protection: Covers legal expenses, medical bills, and settlements if someone is injured on your property and you're found responsible. If a guest slips on your deck and sues, your homeowners policy helps cover the costs.

Medical Payments to Others: Pays for minor medical expenses if a guest is injured on your property, regardless of fault. This coverage can help you avoid a lawsuit over smaller incidents.

Additional Living Expenses (Loss of Use): Pays for temporary housing, meals, and other living costs if your home is too damaged to live in after a covered event. If you need to rent an apartment while your Myrtle Beach home is being rebuilt after a fire, this coverage helps with those expenses.

Homeowners Insurance for Coastal South Carolina

Living near the coast means dealing with weather risks that inland homeowners don't face. Hurricanes, tropical storms, and wind-driven rain can cause serious damage to homes in Myrtle Beach, Pawleys Island, Litchfield, and Georgetown.

Most homeowners policies in South Carolina include wind and hail coverage, but many coastal properties are subject to a separate hurricane or wind/hail deductible. This deductible is typically a percentage of your dwelling coverage — often 2% to 5% — rather than a flat dollar amount. Understanding how your deductible works before storm season is critical.

Our Myrtle Beach agents can walk you through the details of your policy, explain your deductible options, and make sure you have the right coverage for coastal living.

What Homeowners Insurance Doesn't Cover

Homeowners insurance covers a lot, but it doesn't cover everything. Common exclusions include:

• Flood damage (requires a separate flood insurance policy)


• Earthquake damage (requires separate earthquake insurance)


• Sewer or drain backups (may require an endorsement)


• Normal wear and tear or neglected maintenance


• Damage caused intentionally by the homeowner

Flood insurance is especially important for Myrtle Beach homeowners. Standard homeowners policies do not cover flood damage, and many properties in coastal South Carolina are in or near flood zones. Even if your home isn't in a high-risk area, flooding can happen anywhere — over 20% of flood claims come from low- to moderate-risk zones.

Ask our agents about adding flood insurance to your coverage for complete protection.

How Much Homeowners Insurance Do You Need?

Your homeowners insurance should provide enough coverage to rebuild your home at today's construction costs, replace your belongings, and protect your assets from liability claims. Here's how to think about each:

Dwelling Coverage: This should equal the cost to rebuild your home from the ground up — not the market value or purchase price. Construction costs in Myrtle Beach have risen significantly, so make sure your limits reflect current rebuilding expenses.

Personal Property Coverage: Take a home inventory of your belongings and estimate their total value. Most policies set personal property coverage as a percentage of your dwelling limit, but you can adjust it based on your needs.

Liability Coverage: Standard policies often include $100,000 in liability coverage, but that may not be enough if you have significant assets to protect. Consider increasing your liability limits or adding an umbrella policy for extra protection.

How Much Does Homeowners Insurance Cost in South Carolina?

The cost of homeowners insurance depends on your home's location, age, construction type, coverage limits, deductible, and claims history. Homes closer to the coast in Myrtle Beach, North Myrtle Beach, and Surfside Beach may have higher premiums due to hurricane and wind exposure.

You may be able to lower your premium by raising your deductible, installing storm shutters or a security system, bundling with auto insurance, or choosing a home with a newer roof and updated electrical and plumbing systems.

Moore & Associates shops multiple carriers to find you the best homeowners insurance rate in Myrtle Beach without cutting corners on coverage.

Why Work With Moore & Associates?

As an independent insurance agency in Myrtle Beach, SC, we work with multiple insurance companies to find the right homeowners policy for your needs and budget. We're not tied to a single carrier, so we can compare options and get you solid coverage at a competitive price.

Moore & Associates has protected South Carolina homeowners since 1979. We understand the local market, the risks that come with coastal living, and how to make sure your policy doesn't leave you exposed. When you call, you talk to a local agent who knows Myrtle Beach, Conway, Murrells Inlet, Pawleys Island, and Georgetown — not a call center in another state.

Get a Homeowners Insurance Quote in Myrtle Beach, South Carolina

Our homeowners insurance agents serve Myrtle Beach, South Carolina and surrounding areas including North Myrtle Beach, Atlantic Beach, Conway, Surfside Beach, Murrells Inlet, Litchfield, Pawleys Island, and Georgetown. Contact Moore & Associates today for a free quote.