Best Home Insurance In Charleston
Low Cost Insurance for Homeowners Across the Lowcountry, Goose Creek, Moncks Corner, Summerville, Mt. Pleasant, James and Johns Islands, West of the Ashley and Charleston, SC
Your home is one of the most important investments you will make in a lifetime. It is a place to relax, grow, learn and raise a family. Protecting that home is just as important, and Harrell Insurance Agency wants to help.
At Harrell Insurance Agency, we work with several top carriers to find homeowners an affordable policy for home insurance that covers their family and physical assets. No matter when or where, you can receive a quote online.
What We Offer
Basic home insurance policies include:
- Dwelling: Dwelling coverage covers the physical structure of the home and its attached structures from fire, lightning, smoke, explosions, wind, hail and more.
- Personal Belongings: Personal belongings coverage covers your personal possessions when they are lost or damaged due to fire, theft, wind, smoke, lightning, vandalism and more.
- Additional Living Expenses: Additional living expenses (ALE) provides compensation for expenses that arise out of the policyholder having to temporarily move after a disaster.
- Personal Liability: Personal liability covers bodily injury and property damage that occurs to a third party on the owned property. It can cover medical expenses for the victim as well as legal fees related to a lawsuit against the policyholder.
Harrell Insurance Agency also offers Earthquake and Flood insurance in South Carolina, which are not covered under basic home insurance policies. Flood insurance covers damage to the home and your personal belongings after a flood. Earthquake coverage adds earthquake as a covered peril.
Is Home Insurance Required?
The state of South Carolina does have a law requiring home insurance. Most mortgage lenders will require you to purchase and carry home insurance, however. The limits of home insurance you need depends on your location and specific insurance needs. If your lifestyle means you are more likely to be sued, you may need higher personal liability limits. Homeowners with expensive items such as jewelry, art and furs may need additional policy floaters.
Protect Your Home Now
Accidents happen and weather can be unpredictable. Cover your home with a reliable and affordable home insurance policy from Harrell Insurance Agency today. Connect with an agent at 843-572-1500
or fill out an online quote form
Frequently Asked Questions About Home Insurance in Charleston
Does a Typical Homeowners Insurance Policy Cover the Contents of the Home?
Typical home insurance policies come with personal possessions coverage, which covers the contents of your home. This insurance has limited coverage for certain items, however, such as jewelry, furs, electronics and art. Additional coverage beyond that limit is available.
How Can I Save on Home Insurance in Lowcountry?
You can save on home insurance by building your credit, adding safety features to your home, and shopping with Harrell Insurance Agency.
Does Home Insurance Cover Mold?
Home insurance does not typically cover mold. Flood insurance may cover mold if the mold is a direct result of a flood.