Moving to Lexington is exciting — but insurance in South Carolina works differently than most states. As a local independent agent, I'll make sure you're properly covered from day one.
Here's everything you need to set up properly when moving to Lexington, SC.
Required by your mortgage lender before closing. We make sure your dwelling coverage reflects SC construction costs — not your old state's rates — and that flood risk near Lake Murray is addressed.
You must register your vehicle in SC within 45 days of establishing residency. SC has specific minimum coverage requirements. We update your policy and shop for the best rate in your new zip code.
Standard homeowners policies don't cover flooding. Lexington County has significant flood risk near Lake Murray and the Saluda River. We assess your address and recommend coverage if needed.
New homeowners often overlook umbrella coverage. For about $200/year, a $1M umbrella protects your home, savings, and future income against catastrophic liability claims.
South Carolina has specific rules and risks that affect your coverage needs.
Many SC home policies carry a separate, higher deductible for wind and hail damage — sometimes 1–2% of your home's insured value. Make sure you understand yours before storm season.
Unlike some northern states where flooding is rare, Lexington County has real flood risk. Your standard HO policy covers zero flood damage — a separate NFIP or private flood policy is essential for many addresses.
SC requires just 25/50/25 liability coverage — far too little for most families. We recommend at least 100/300/100 to protect your assets, especially as a new homeowner.
SC insurers are permitted to use credit-based insurance scores to set rates. Knowing this upfront helps us shop carriers who will treat your profile most favorably.
Learn More
In-depth articles to help you navigate insurance as a new SC resident.
Everything new Lexington residents need to get properly covered from the moment you move in.
Read the guide →Everything you need to know about homeowners coverage, costs, and local risk factors in Lexington.
Read the guide →New to SC? Bundling home and auto is one of the fastest ways to lower your total insurance cost.
Read the guide →One call covers everything. I'll review your home, auto, and any other coverage needs and find the best options for your new Lexington life.
Ben Mauldin | 803-920-8827 | ben@mauldininsurancegroup.com