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.
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 free, no-obligation quote today:
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