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Cost of Homeowners Insurance in Myrtle Beach, SC

On average, the homeowner's insurance cost in the U.S. is $1224. Home insurance protects you from financial losses caused by tropical storms, floods, fire, theft, and other events drafted in your policy. South Carolina has an average of $989 for home insurance. But the cost of home insurance in Myrtle Beach is typically higher as it is vulnerable to tropical storms, including hurricanes and break-ins. This generally increases the home insurance rates in Myrtle Beach, SC.

The average cost of homeowners insurance in Myrtle Beach, SC, is $1,043.46. The cost of homeowners insurance is based on several factors such as type of structure and construction materials used, house age, local hazardous conditions, deductible, and many more. Before proceeding with an insurance provider, homeowners are advised to shop around and compare multiple quotes offered by top homeowners insurance companies in Myrtle Beach, SC.

Below listed are a few top insurance companies in Myrtle Beach, SC.

Cost_of_Homeowners_Insurance_in_Myrtle_Beach_SC

Factors affecting home insurance in Myrtle Beach, SC:

1. Home insurance rates by coverage levels 

2. Home insurance rates by deductibles

3. Home insurance rates by the age of the home

4. Home insurance rates by the safety features

Homeowners insurance in Myrtle Beach, SC - Rates by coverage level

Homeowners are advised to keep up to date on their homeowner's insurance. Homeowners insurance in Myrtle Beach, SC, generally includes personal belongings, furniture, clothing, electrical goods, jewelry, loss or damage by fire, theft, and other related events. Home insurance coverage consists of a broad set of conditions and provides you with complete protection against loss, damage to, or theft of your possessions.

Therefore, before purchasing homeowners insurance in Myrtle Beach, homeowners must comprehend all the levels of coverage. For instance, homeowners opting for $100K coverage pay $666 on home insurance in Myrtle Beach, SC.

Refer to the chart below to know the cost of home insurance in Myrtle Beach, SC, based on the coverage level.

Cost_of_Homeowners_Insurance_in_Myrtle_Beach_SC

Homeowners insurance in Myrtle Beach, SC - Rates by deductibles

Your home insurance deductible is the amount you accept for paying towards a claim with your insurance company before paying out the rest. A higher deductible on your homeowner's insurance in Myrtle Beach, SC, can lower your premium. For instance, homeowners who opted for a deductible of 1500 pay $878 towards their home insurance in Myrtle Beach, SC. Homeowners who opted for a deductible of 500 pay $1031 towards their home insurance in Myrtle Beach, SC.

Cost_of_Homeowners_Insurance_in_Myrtle_Beach_SC

Homeowners insurance in Myrtle Beach, SC - Rates by the age of the home

The age of your home is probably one of the most essential home insurance rating factors that insurance companies consider when determining rates and coverage options. The longer you've owned the property, the more likely it will be for repairs and damages to happen. For example, houses that are 40 or 50 years old pay a premium of $1071 and $1084, respectively, in Myrtle Beach, SC. On the other hand, newly built homes are less damaged, and home insurance providers offer considerable discounts. Newly built homes in Myrtle Beach, SC, can avail home insurance for $835.

Homeowners insurance in Myrtle Beach, SC - Rates by the safety features

Many people don't realize that investing in safety and security features for your home is more than a one-time expenditure. The protection you gain comes in the form of lower property insurance premiums. Home insurance companies in Myrtle Beach, SC, offer exclusive discounts to homes equipped with safety features like a fire extinguisher, smoke detectors, deadbolts, and many more. Homes with deadbolts and fire extinguishers pay $950 and $971 on home insurance rates in Myrtle Beach, South Carolina. In addition, homes equipped with sprinkler systems and smoke detectors pay $981 and $908, respectively, on homeowners insurance in Myrtle Beach, SC.

Top Home Insurance Companies in Myrtle Beach, SC

Home Insurance Company A.M. Best Financial Strength Rating Homeowners Insurance Market share
State Farm A 20.36%
Allstate A+ 9.81%
Liberty Mutual A 4.83%
Nationwide A+ 4.76%
Erie A+ 2.8%

Top Liberty Mutual Home Insurance Agents in Myrtle Beach, SC

Homeowners Insurance Agents Agent Address Contact Details
Jeanne Desroches 417 S MAIN ST
29574
843-464-9344
Amie Patel 620 6th Ave S
29582-3310
843-249-7066
Nick Kurowski 1710 HIGHMARKET ST
29440
(843) 546-2444
Erik Muschette 827 Surfside Dr
29575
(843) 238-7777
Melissa Oxley 312 Columbus Corners Dr
28472
(910) 642-4158
Matthew T. Roberts 4702 Main Street
28470
(910) 754-4366

Top State Farm Home Insurance Agents in Myrtle Beach, SC

Homeowners Insurance Agents Agent Address Contact Details
Jeannette Rogers 273 CAROLINA FARMS BLVD
www.jeannetterogers.com 29579
843-236-5686
Dorothy Conklin-Ross 2422 Main St
www.dorothyconklinross.com 29526
(843) 248-5200
Bill Holle 903 N Fraser St Unit 3
www.billholle.com 29440-2879
843-546-9440
Jeannie Lee 7400 N KINGS HWY STE 201
www.jeannie4bestinsurance.com 29572
843-449-9611
Andrew Heber 3888 Renee Dr
www.andrewheber.com 29579-4108
843-903-7800
Katherine Frazier 400 LAUREL ST STE C
www.katherinefrazier.com 29526
843-488-1141
Bridget Smith 11899 Plaza Dr
www.bridgetsmithinsurance.com 29576-9367
843-357-7100
Bob Breitenstein 119 Waccamw Med Park Dr
29526-5206
843-347-2824
Melissa Pessarra 11649 Seven Creeks Hwy
www.melissapessarra.com 28455-9343
(910) 640-1707
Susan Cappo 4625 Main St
www.susancappo.com 28470

Top Nationwide Home Insurance Agents in Myrtle Beach, SC

Homeowners Insurance Agents Agent Address Contact Details
Margaret M. Kramer 305 E Broad St
29554
(843) 558-7761
Larry E Crum & Associates Llc 4625 MAIN ST HWY17 BUSINESS
28470
910-754-4326
Michael C. Ferster 10744 Ocean Hwy Unit E
29585-6508
(843) 546-0086
Metts Insurance Agency Inc. 1019 Highway 17 S STE 113
29582
(843) 353-6250
Katherine E Smith 111 EXECUTIVE PARK
29560
843-374-3555
Katherine E Smith 110 N MORRIS ST
29560
843-374-8539

Top Erie Home Insurance Agents in Myrtle Beach, SC

Homeowners Insurance Agents Agent Address Contact Details
Ligon L Jones Insurance Services Inc. 4375 HIGHWAY 17 BYPASS
www.ligonjones.com 29576
843-237-0380
Tim Hall Agency Llc 9404 Hwy 17 Bypass
29576
Erhart-Stechschulte Insurance Inc. 915 N Fraser St
29440
(843) 527-3418
Tates Creek Insurance 150 Wall Street
29585
Lighthouse Insurance Services 9404 HWY 17 BYPASS
29576
843-357-9404

Top Allstate Home Insurance Agents in Myrtle Beach, SC

Homeowners Insurance Agents Agent Address Contact Details
Corey Metz 166 Co Op Road
29588-7375
843-650-4433
Alba Garcia 166 Co Op Rd
29588-7375
843-650-4433
Aaron Grover 321 Broadway St
29577-3974
843-626-3545
Matthew Morse 319 W. Main St.
29560-2365
(843) 394-1625
Margaret L. Bolinger 220 Ronnie Ct STE 2
29579
(843) 353-1974
Jeanne Oldham 2351 HWY 501 W
29526
843-365-2351
Melissa Payne 312 Columbus Corners Drive
28472
(910) 642-4158
Timothy Fritz Ii 1110 London St Ste 101 Myrtle\u00a0Beach
29577
(843) 353-4314
Steven Katz 1215 48Th Ave North Myrtle\u00a0Beach
29577
Angie Albertson 12082 Highway 17 Byp Unit C
29576-9350
843-357-9100

Homeowners Insurance Comparison for the Cheapest Premiums in Myrtle Beach, SC

NationwideAllstateLiberty Mutual
Median Home Value ($) 177,320157,320157,320
Construction year 201319992013
Home Coverage ($) $300000-$350000$200000-$250000$250000-$300000
Total Premium ($) $3120$2115$2447

Myrtle Beach, SC Multi Policy Discounts by Home Insurance Companies

Home Insurance Company Multi Policy Discount (%)
Liberty Mutual upto 17%
Nationwide upto 10%
Erie upto 18%
Allstate upto 15%