South Carolina Homeowners Insurance

Heritage Property and Casualty Insurance is committed to insuring one of your largest investments, your home. The best way to protect it is through a South Carolina homeowners insurance policy (HO3).

From the capital city of Columbia to the charming Coast, South Carolina is a beautiful state to lay down your roots. With a rich heritage and stunning scenery, The Palmetto State also offers beautiful historic homes. If you have made the decision to purchase a home in South Carolina, you will need reliable homeowners insurance. The agents at Heritage will help you find a policy to meet your every need, safeguarding your home and personal belongings.

Despite its picturesque landscape, South Carolina has its fair share of weather extremes. Residents know that life can change at the drop of a hat due to a hurricane or flooding. It’s during these times that you’ll be thankful you have a policy with Heritage Property and Casualty; your claims will be handed efficiently to get you back into the home you’ve worked hard for.


Personal Liability Protection

Homeowners Insurance (HO3) Personal liability coverage Personal liability insurance is like an umbrella for you and the events that happen inside of your home. What if a friend or family member is staying with you and gets injured? You may be held liable for damages and medical payments unless you have personal liability coverage. Accidents caused by yourself or a family member who lives with you might also require compensation, even if the incident occurred away from your primary dwelling. Personal liability insurance covers medical payments as well as legal defense and damages if you are sued up to the limit of coverage. Personal liability for damages are unfortunate, but make sure that you do not run the risk by getting caught without proper coverage. Check with your Heritage agent to see if you have enough personal liability protection and if not, ask about how to get additional coverage.

Additional Living Expenses (ALE)

Homeowners Insurance (HO3) Additional Living Expense (ALE) Additional living expenses, also referred to as ALE, will cover your family in the case of a claim. It includes necessities like temporary housing and meal expenses while your home is repaired after a fire, or has sustained damage due to a windstorm or other covered disaster. This type of policy can also include other miscellaneous costs, including moving or storage fees. If you have lost income due to a displaced tenant, ALE will often cover that expense as well. Ultimately, this coverage will meet your basic needs for the duration of the repairs, and gives you one less thing to worry about while taking care of your home.

Personal Property Coverage

Homeowners Insurance (HO3) Insurance Coverage for Other Structures Personal property coverage allows for the Actual Cash Value payment for clothing, household furnishings, and other personal property, up to specified limits, in the event of a covered disaster such as a fire or a tornado. If damage to your home were to occur and all of your belongings needed to be replaced, it would cost far more than you might think. Personal property coverage can help make the rebuilding process a little bit easier in the event of a major incident. We also have additional coverage options available such as increased limits on jewelry and fine art as well as a replacement cost option on personal property. Be sure to thoroughly inventory all of your personal belongings when discussing this policy with your Heritage agent. It’s also recommended to document your higher cost valuables in the event of a claim.

Other Structures

Heritage Property and Casualty wants to make sure that anything of value on your property will be covered in the event of a covered disaster. Your Heritage homeowners insurance policy (H03) provides coverage for other structures on your property that might not be part of your primary dwelling, but would still incur an expense to replace if they sustained damage. Items including barns, sheds, or even patios can all be covered under your policy. Additional coverage is also available for more complex structures like a pool house or guest house.


Always Contact your Heritage Florida Insurance Agent

Contact your insurance agent to determine the levels of coverage that are right for you and to learn more about our South Carolina homeowners insurance (HO3) policy. Your home is often your most valuable asset, and your agent can help you determine the estimated cost to replace your home and its contents should disaster strike. Your agent will provide you with the information you need to secure a policy that’s right for you and your family. If you should need to report a claim, we will be there for you 24 hours a day, 7 days a week to process your claim quickly and efficiently.

This information is provided to you as an overview of our products and services. Consult your insurance agent to understand all of the provisions, limitations, and exclusions that are part of a standard homeowner’s insurance policy.

Contact Us