Flood Insurance in South Carolina

Buying a new home is an exciting time, and it's important that you do all you can to protect your new investment. Being protected against flooding is part of that decision. At Hearl Insurance Agency, we're proud to serve SC residents, meeting your flood insurance needs. Here, we'll take a look at everything you need to know about flood insurance in South Carolina.

Do I Need Flood Insurance in South Carolina?

Not all properties in South Carolina require flood insurance. Whether you need flood insurance is not dictated by the state--your mortgage lending company dictates it.

If you live in a Special Flood Hazard Area (SFHA), your lender will likely require you to have a flood insurance policy before you're able to borrow the money you need to purchase your home.

Talking with your insurance agent about your home insurance needs is important. Most homeowner's policies do not cover flood damage, so it's likely that you'll need to take out a separate policy to ensure that your home is protected in the event of a flood.

South Carolina residents need to be especially cautious when it comes to protecting homes against floods--hurricanes and other tropical storms often affect our area, and you'll need to be sure you're prepared for the unexpected.

Hearl Insurance Agency: Proud to Serve South Carolina

At Hearl Insurance Agency, our team is here to serve Aynor, SC residents, and those throughout the state. Whether you're looking for flood insurance for a new home or you're looking to purchase a new flood insurance policy for a house you already own, our team is here to help. Contact us today for more information on how we can help you keep your home safe.