South Carolina homeowners are seeing some of the steepest rate increases in the country. As an independent agent, I shop 10+ carriers to find you a better rate — without sacrificing coverage.
Understanding why rates went up helps you fight back more effectively.
SC rebuild costs rose 25–40% since 2020. Carriers are raising rates to match higher replacement costs — and many homeowners are still underinsured relative to actual rebuild value.
More frequent severe storms, hail events, and wind damage across the Midlands are driving up claims — which pushes rates up across the board, even for homeowners with no claims.
Several national carriers have reduced their SC presence or tightened underwriting. Less competition in some markets means higher rates — which is exactly why having an independent agent matters.
Many Lexington-area homes built in the 1990s now have aging roofs. Carriers are pricing roof age risk aggressively — and in some cases non-renewing policies with older roofs.
There are real levers you can pull — beyond just accepting what your current carrier says.
Your current carrier has no obligation to offer you the best rate. We compare multiple top-rated carriers side by side — often finding savings of $300–$700/year for the same or better coverage.
Multi-policy discounts of 10–25% are common when you move both home and auto to the same carrier. We look at bundled and unbundled options to find what actually saves you the most.
Paradoxically, some homeowners are overinsured on contents and underinsured on dwelling. A coverage review often finds ways to realign limits and reduce premium without increasing risk.
A new roof can dramatically reduce your premium — often paying for itself within a few renewal cycles. We help you understand the math before you commit to a replacement.
Learn More
In-depth articles on why SC rates are rising and what you can do about it.
Six specific reasons SC rates have surged — and actionable steps to lower your premium today.
Read the guide →Everything Lexington homeowners need to know about coverage, costs, and local risk factors.
Read the guide →The right bundle can cut 10–25% off your total insurance cost. Here's how to do it right.
Read the guide →One call and we'll compare your current coverage against the market. No obligation — just honest numbers from a local agent who works for you.
Ben Mauldin | 803-920-8827 | ben@mauldininsurancegroup.com