Home Insurance
As your largest investment, it's important to make sure your home has the proper insurance coverage. We'll protect your home and everything in it for the lowest possible price.
PROPERTY INSURANCE · UPSTATE SC
Home Insurance in
Greenville, SC
Your home is your largest investment. Our independent agents shop 30+ carriers to build you the right coverage at the right price — no pressure, no guesswork.
Homeowner's Insurance: Protection for Your Largest Investment in Greenville, SC
As your most valuable financial asset, your home deserves comprehensive and customized protection. At Priority Insurance, we don't just offer insurance; we provide a tailored safety net. Our agents have years of experience serving the Greenville, SC area and work with over 20 top carriers to custom-build a policy that truly protects your home and family.
Home insurance (often formally called an HO3 policy) is a vital property insurance policy that combines financial protection for your dwelling, its contents, and your personal liability.
Understanding Your Home Insurance Coverage Sections
A standard Homeowner's Insurance policy is divided into four main coverage sections. Understanding these is key to ensuring you have adequate protection.
Coverage A – Dwelling
Coverage A protects the
physical structure of your home, including the foundation, roof, walls,
permanently attached fixtures, and built-in appliances. This coverage is crucial because it generally covers the replacement cost of your home, not the market value. We work with you to calculate the full cost to rebuild your home from the ground up, ensuring you're protected from catastrophic losses like fire or major storm damage.
Coverage B – Other Structures
This section provides coverage for structures on your property that are not attached to your main dwelling.
This commonly includes:
- Detached garages or carports
- Fences and retaining walls
- Sheds, gazebos, and workshops
Coverage B limits are typically set as a percentage of your Coverage A limit, but we can review increasing this amount if you have valuable outbuildings.
Coverage C – Personal Property
Coverage C protects your personal belongings both inside your home and anywhere in the world. This includes furniture, electronics, clothing, and kitchenware.
It's important to note that standard policies often have special limits for high-value items like jewelry, firearms, silverware, and fine art. If you own items that exceed these limits, our agents can discuss scheduled personal property endorsements to ensure they are fully protected against loss or theft.
Coverage D – Loss of Use (Additional Living Expenses)
If a covered loss (like a fire or major plumbing leak) makes your home uninhabitable, Coverage D steps in to pay for the extra costs of living elsewhere.
This crucial coverage pays for:
- Temporary housing (hotel stays or short-term rentals)
- Increased expenses for food, laundry, and utility costs
- Storage fees for your personal belongings while your home is being repaired
Loss of Use protection provides the financial stability your family needs to maintain normalcy during a crisis.
Section II – Personal Liability Protection
Beyond protecting your property, Home Insurance provides essential liability coverage for the homeowner and your family members, both on and off your property.
If a visitor is injured on your property, or if you or a family member accidentally cause damage to someone else’s property, this coverage pays for:
- Legal defense costs
- Medical expenses for the injured party
- Settlements or court judgments up to your policy limit
Home Insurance Tailored for Greenville, SC Residents
We understand the unique challenges of insuring a home in the Greenville, SC. Our expertise is built on years of service here, providing coverage that matters most to our neighbors.
Our policies are specifically built to address regional concerns, including:
- Coastal Risks
- Replacement Cost Valuation
- Mandatory Requirements
Frequently Asked Home Insurance Questions (FAQ)
We believe in empowering our clients with knowledge. Here are answers to common questions about homeowner's insurance:
What is NOT covered by a standard HO3 policy?
Standard policies contain several key exclusions. The most common exclusions include earth movement (like earthquakes), water damage due to flooding (requires a separate policy), power failure, neglect, and damage resulting from poor maintenance. It's vital to review these exclusions with your agent.
Do I need flood insurance?
Yes, if your property is in a flood-prone area, or even if it isn't, as most claims happen outside high-risk zones. Flood damage is never covered by a standard homeowner's policy. Flood coverage must be purchased separately, typically through the National Flood Insurance Program (NFIP) or a private insurer.
How do I save money without sacrificing coverage?
We look for several discounts for our clients, including multi-policy discounts (bundling with auto), security system discounts, and loyalty discounts. We also help you optimize your deductible to find the balance between lower monthly premiums and risk tolerance.
Ready to find the perfect protection for your home?
Our independent agents are ready to compare options from our network of carriers to find you the best rates and coverage.
Click below to start your no-obligation quote today:
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Homeowners Insurance Explained for Upstate SC Families
Homeowners insurance — most commonly written as an HO3 policy — is a multi-line contract that bundles property and liability protection into a single premium. It covers the physical structure of your home, your personal belongings, and your legal exposure if someone is injured on your property.
In Greenville, Spartanburg, Mauldin, and the surrounding Upstate communities, most mortgage lenders require this coverage before closing. But beyond satisfying lender requirements, the right policy is a financial safety net that protects decades of equity against fire, storm damage, theft, and unexpected events.
As an independent agency, Priority Insurance is not tied to any single carrier. We compare options across our network to find the coverage that actually fits your home, your neighborhood, and your budget.
Standard HO3 Policy Structure
A
Dwelling
Your home's structure — walls, roof, foundation, built-in systems
B
Other Structures
Detached garage, fences, sheds, retaining walls
C
Personal Property
Furniture, electronics, clothing, belongings worldwide
D
Loss of Use
Hotel stays, meals, storage if your home becomes uninhabitable
What Your Policy Covers
A standard HO3 provides open-perils protection for your dwelling and named-perils coverage for personal property. Here's what that means for Upstate SC homeowners.
COVERAGE A
Dwelling Protection
Covers fire, windstorm, hail, lightning, and other perils that damage the structure of your home. Coverage is based on replacement cost — what it costs to rebuild today — not your home's market value.
Medical
Benefits
Covers all reasonable and necessary medical treatment for a work-related injury or illness — including emergency care, surgery, hospitalization, physical therapy, prescription medications, and follow-up visits.
COVERAGE b
Other Structures
Extends protection to structures not attached to your home — detached garages, fences, sheds, workshops, and gazebos. Limits are typically a percentage of your Coverage A amount and can be increased.
Medical
Benefits
Covers all reasonable and necessary medical treatment for a work-related injury or illness — including emergency care, surgery, hospitalization, physical therapy, prescription medications, and follow-up visits.
COVERAGE c
Personal Property
Protects your furniture, electronics, clothing, and belongings — even away from home. Note: high-value items like jewelry and firearms have sub-limits. A scheduled endorsement ensures full protection for valuables.
Medical
Benefits
Covers all reasonable and necessary medical treatment for a work-related injury or illness — including emergency care, surgery, hospitalization, physical therapy, prescription medications, and follow-up visits.
COVERAGE d
Loss of Use
If a covered loss makes your home uninhabitable, this pays for temporary housing, hotel stays, increased food costs, and storage. It keeps your family in a safe routine while repairs are completed.
Medical
Benefits
Covers all reasonable and necessary medical treatment for a work-related injury or illness — including emergency care, surgery, hospitalization, physical therapy, prescription medications, and follow-up visits.
sECTION ii
Personal Liability
Covers legal defense costs, medical expenses, and settlements if a visitor is injured on your property or if you or a family member accidentally damage someone else's property — on and off your premises.
Medical
Benefits
Covers all reasonable and necessary medical treatment for a work-related injury or illness — including emergency care, surgery, hospitalization, physical therapy, prescription medications, and follow-up visits.
ENDORSEMENTS
Optional Add-Ons
Customize your policy with scheduled personal property riders, equipment breakdown coverage, identity theft protection, and water backup endorsements. We tailor each policy to what actually matters for your home.
Medical
Benefits
Covers all reasonable and necessary medical treatment for a work-related injury or illness — including emergency care, surgery, hospitalization, physical therapy, prescription medications, and follow-up visits.