Homeowner's Insurance
Your home may be the largest purchase that you make during your lifetime. But
even more than being just an asset, it's your safe haven and a place where
memories are created. Let South Carolina Farm Bureau Insurance Companies help
you protect your home with a comprehensive homeowner's insurance policy. We
have several different policies with varying coverages designed to meet your
home insurance needs. Though coverages can vary greatly among policies, most
contain essentially the same basic coverages.
We can also provide coverage for condominium owner occupants or apartment
dwellers with specialized homeowner forms. These provide necessary coverages
but eliminate those that are not needed.
Dwelling Protection: Protects the dwelling on the residence premises and
principally used as your private residence.
Protection for Other Structures: Provides protection for the insured's
other structures on the residence premises set apart from the dwelling by clear
space. Coverage is limited to the amount specified in the policy and in the
Declarations.
Personal Property Protection: Provides protection for personal property
usual or incidental to the occupancy of the residence premises as a dwelling
and owned or used by an insured, subject to limitations as specified in the
policy and Declarations.
Loss of Use: One of the coverages available under Loss of Use coverage is
payment for Additional Living Expense. Additional Living Expense coverage
provides payment for the necessary increase in living expenses incurred by you
if your home becomes uninhabitable due to a covered loss. Payment is limited as
defined in the policy.
Personal Liability: Provides protection for an insured's activities for
accidental bodily injury and property damage to a third party for which the
insured is legally liable.
Medical Payments to Others: Pays reasonable and necessary medical
expenses to injured third parties as a result of your activities.
Endorsements: We have several endorsements available to personalize your
Homeowner's policy to meet your specific needs.
Boat and ATV (all-terrain vehicles) Damage and Liability Endorsements: Various
endorsements that can provide coverage for damage to your boat or ATV as well
as provide liability coverage.
Personal Property Floater: Provides coverage for valuable items, such as
jewelry, silverware, and guns for which coverage may be limited in the policy.
Discounts: South Carolina Farm Bureau Insurance Companies has many
discounts available to reduce your homeowner's insurance premiums.
Account Discount: Provides a 10% discount if an insured has a Homeowner
policy and Personal Auto policy insured under the same membership.
Protective Devices Discount: Provides various levels of discounts
dependent upon the type of alarm system installed in the home.
Loss - Free Discount: Provides a 5% discount if an insured has a
homeowner's policy in force for 5 or more continuous years with no lapses in
coverage and has been loss free.
Deductibles
The deductible is the amount of the loss for which you are responsible. The
deductible does not apply to Personal Liability coverage, or to Medical
Payments to Others.
There are also other available coverage options to further customize your
insurance plan. Some of these coverages do not apply to Renters and Condominium
policies. For more information, please contact your local
South Carolina Farm Bureau Insurance Companies agent.
This information is only a general description of the available coverages and is
not a contract. All coverages are subject to availability and qualifications.
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