Question 1

Do I really need more than minimum coverage in South Carolina?

Accepted Answer

The state minimum of 25/50/25 might keep you legal, but it's rarely enough to cover serious accidents. A single night in the hospital can exceed $15,000, and if you cause an accident that seriously injures someone, you could be personally liable for costs beyond your policy limits. Most financial experts recommend at least 100/300/100 coverage if you have any assets to protect. The extra cost is usually $30-50 monthly, but the protection is substantially better.

Question 2

Is flood insurance necessary in Anderson?

Accepted Answer

Anderson isn't a coastal city, but flood risk exists near Lake Hartwell and local waterways. Your standard homeowners policy doesn't cover flood damage at all—if water comes through your windows during a storm, that's considered flooding. Flood insurance averages $725 annually in South Carolina and requires a 30-day waiting period, so you can't buy it when storms are approaching. Even outside designated flood zones, it's worth considering.

Question 3

Will South Carolina require boat insurance on Lake Hartwell?

Accepted Answer

Currently, boat insurance isn't required in South Carolina. However, Bill 26 introduced in January 2025 would mandate $50,000 minimum liability coverage for watercraft over 70 horsepower. Even if this legislation doesn't pass, boat insurance is smart protection given the liability risks on busy Lake Hartwell, especially during summer weekends when the water is crowded.

Question 4

What's the difference between actual cash value and replacement cost coverage?

Accepted Answer

Actual cash value pays what your damaged property was worth at the time of loss, accounting for depreciation. If your 15-year-old roof gets damaged, you'll get a depreciated value. Replacement cost coverage pays to replace your property with new materials regardless of age. Replacement cost coverage costs more but provides significantly better protection, especially for roofs, HVAC systems, and other items that depreciate over time.

Question 5

Should I bundle my auto and home insurance?

Accepted Answer

Most insurers offer discounts of 15-25% when you bundle auto and homeowners policies with them. This can save several hundred dollars annually. However, don't assume bundling is always cheapest—sometimes separate policies from different companies cost less overall. Get quotes both ways before deciding. Bundling also simplifies your insurance management since you're dealing with one company and one renewal date.

Question 6

How does living near Clemson affect my insurance rates?

Accepted Answer

If you live near Clemson or rent property to students, your insurance needs differ from typical Anderson homeowners. Student rentals may require landlord insurance rather than standard homeowners coverage. Game-day traffic on Highway 28 increases accident risk, which insurers consider. Properties near campus may also face higher theft or liability risks. Work with a local agent who understands these specific factors when shopping for coverage.

Insurance Agents in Anderson, South Carolina (SC)

Insurance agencies serving Anderson

Carolina Agency Partners

Citizens Insurance Agency

Insurance Agents in Anderson, South Carolina (SC)

Insurance agencies serving Anderson

Carolina Agency Partners

Citizens Insurance Agency

Client First Insurance Advisors

Hodges Insurance

Kenneth Rhodes & Associates - Greenville

Powell Insurance Group

Insurance Guides for Anderson

Insurance in Anderson, South Carolina: Your Complete Guide

Home Insurance in Anderson, South Carolina

Auto Insurance in Anderson, South Carolina

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