South Carolina Coastal
Homeowners Insurance Information
Whether you own a house, condominium or townhouse, for most people their home is their most
important investment. Russell-Massey & Company of Columbia, SC offers South Carolina coastal
homeowners insurance policies that have flexibility to meet your individual needs and above all,
provide you with the security that comes only from the knowledge that your home is safe.
Insurance for your home is one of the most popular and important forms of personal insurance
and the typical South Carolina Coastal Homeowners Insurance policy has two main sections:
Section I - insurance coverage for your property
Section II - personal liability coverage (to cover you in case of lawsuits arising from things that
happen on your property)
Homeowners insurance is often required by lenders to obtain a mortgage and nearly everyone,
whether you own or lease property, should have the protection of homeowners insurance.
South Carolina Coastal Homeowners Insurance FAQ
Click on the link below to fill out a secure quote request form for a South Carolina Coastal
Homeowners Insurance policy that will provide excellent insurance coverage at an affordable
cost. Or you can speak with our South Carolina Coastal Homeowners Insurance agent
specialist toll free at (800) 849-7475 to discuss the insurance policy features.
We are a Columbia, SC insurance agency offering affordable South Carolina
coastal homeowners insurance policy coverage in the following towns, cities and
counties in South Carolina: Chapin, Arthurtown, Saluda Terrace, Sandwood,
Arcadia Lakes, Cayce, Olympia, Forest Acres, Dentsville, Eau Claire, West
Columbia, Springdale, Denny Terrace, Belmont, St. Andrews, Irmo, Oak Grove,
Lexington, Galaxy, Bluff Estates, Hazelwood Acres, State Park, Haskell Heights,
Lincolnshire, Ballentine, Killian, Red Bank, South Congaree, Edmund, Gilbert,
Summit, Gaston, Hopkins, Capitol View, Horrel Hill, Fort Jackson, Pontiac, Elgin,
Blythewood, Camden, Richtex, Whitehall, White Rock, Sumter, Lugoff, Boykin,
Rembert, Hagood, Horatio, Stateburg, Borden, Wedgefield, Oswego, Gadsden,
Fort Motte, St. Matthews, Swansea, Woodford, Winnsboro, Pelion, Steedman,
Samaria, Monetta, Batesburg-Leesville, Stoney Hill, Prosperity, Newberry, Peak,
Little Mountain, Slighs, Pomaria, Jenkinsville, Rion, Winnsboro Mills, Simpson,
Smallwood, Ridgeway, Orangeburg, Lexington County, Fairfield County, Calhoun
County, Sumter County, Kershaw County, Saluda County, and Richland County,
SC. We can also offer cheaper South Carolina coastal homeowners insurance
coverage premiums throughout the Palmetto state, including in Florence,
Greenville, Spartanburg, Myrtle Beach, and Charleston, SC.

Covered losses under a South Carolina coastal homeowners insurance policy can be
paid on either a replacement cost basis or on an actual cash value basis. When "actual
cash value" is used, the policy owner is entitled to the depreciated value of the damaged
property. Therefore, the older the item is, the less money you may receive for it. If you
choose the "replacement cost" coverage, the South Carolina coastal homeowners
insurance policy will reinburse the amount it costs to replace the property with something
of a similar type and quality at current prices.
An "All Risks" policy provides the broadest South Carolina coastal homeowners
insurance protection because it will cover losses that are due to any peril except
those specifically excluded in the policy. A "Named Perils" policy covers losses that
are due to only those perils listed in the standard South Carolina Coastal
Homeowners Insurance policy and typically include fire, hail, windstorm, and other
physical losses.
South Carolina Coastal Homeowners Insurance Policy FAQ
If your policy limit is less than 80% of the replacement cost of your home, you will face a
"coinsurance penalty," which means you'll have out-of-pocket expenses to cover costs
beyond the policy deductible you chose. For example purposes we will assume your
home's estimated replacement value (RCV) is $100,000. The co-insurance clause
requires you carry at least $80,000 (80% of your RCV). If you chose to purchase only a
$40,000 South Carolina Coastal Homeowners Insurance policy you would be
underinsured by half. Therefore, in the example the insurance company would pay one
half of a loss less the policy deductible, so if you suffered a $10,000 covered loss to your
house, condominium or townhouse and had a $500 deductible, your policy would only
pay $4,500.
South Carolina Coastal Homeowners Insurance Policy FAQ
Personal liability in a South Carolina coastal homeowners insurance policy is also
an important part of having security from accidents that may occur on your
property. We suggest you choose coverage limits that are not less than those on
other liability insurance you own, such as car insurance.
Click on the link below to fill out a secure quote request form for a South Carolina
Coastal Homeowners Insurance policy that will provide excellent insurance
coverage at an affordable cost. Or you can speak with our South Carolina
Coastal Homeowners Insurance agent specialist toll free at (800) 849-7475 to
discuss the insurance policy features in more detail.
**The information, pictures, and other content in this website about particular insurance
services is only provided for informational purposes. Any decisions regarding your
insurance needs should be discussed with a licensed insurance agent.
Replacement Cost or Actual Cash Value
South Carolina Coastal Homeowners Insurance Policy FAQ
All Risks or Named Perils
Coinsurance Penalty
Personal Liability
South Carolina Coastal Homeowners Insurance Policy FAQ
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South Carolina Coastal
Homeowners Insurance Solutions!
800-849-7475 toll free
803-779-7854
Serving South Carolina Since 1955
Russell-Massey & Co.
1320 Elmwood Avenue
Columbia, SC 29201
Richland County, SC
Toll Free: (800) 849-7475
Office: (803) 779-7854
Fax: (803) 799-6546
Russell-Massey & Co.
409 Lexington Avenue
Chapin, SC 29036
Lexington County, SC
Office: (803) 941-3650
Fax: (803) 941-3654