Anchor Insurance And Financial Services
1699 Highway 17, Suite 103, Little River, SC 29566
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1699 Highway 17, Suite 103, Little River, SC 29566
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1699 US-17, Suite 103, Little River, SC 29566
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1007 Sea Mountain Hwy, Little River, SC 29582
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291 Highway 90 E, Unit A1, Little River, SC 29566
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291 SC-90 A1, Little River, SC 29566
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1180 US-17, Suite 2, Little River, SC 29566
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1180 Hwy 17, Suite 3, Little River, SC 29566
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Learn about insurance coverage options specific to Little River residents.
Little River home insurance costs $3,270-$4,772 annually plus flood coverage. Learn about wind deductibles, waterfront property risks, and how to save.
Car InsuranceLittle River auto insurance guide: SC's 25/50/25 minimums, at-fault system, US-17 risks, and how Grand Strand tourism impacts your rates. Get the coverage you need.
General Insurance EducationComplete insurance guide for Little River residents. Learn about coastal home insurance, flood coverage, SC auto requirements, and boat insurance costs.
Yes, you should strongly consider it even in Little River's Zone X designation. About 19% of flood claims come from moderate-risk zones, and after Hurricanes Florence and Matthew, many Horry County homeowners who thought they were safe experienced devastating flood damage. Flood insurance in moderate-risk zones is typically cheaper than high-risk areas, and standard homeowners policies don't cover flood damage at all—meaning without separate flood coverage, you'll pay for all repairs out of pocket.
Plan for $5,000-$8,000 annually for a typical Little River home when combining homeowners and flood insurance. Homeowners coverage ranges from $3,270 to $4,772 depending on your home's value and features, and flood insurance adds another $2,000-$6,000. Waterfront properties and higher-value homes will be at the upper end or exceed these ranges.
Your regular deductible for events like fire or theft is typically a flat amount like $1,000 or $2,500. Your wind and hail deductible in coastal South Carolina is usually a percentage of your home's insured value—typically 1-5%. For a $300,000 home with a 2% wind deductible, you'd pay $6,000 out of pocket before insurance covers hurricane damage, which is substantially more than most homeowners expect.
Maybe, but probably not fully. Most standard policies limit coverage for detached structures to 10% of your dwelling coverage, which might not be enough for expensive waterfront structures. You should specifically ask your insurer about coverage limits for docks, boat houses, and seawalls, and consider purchasing additional coverage or a separate endorsement if needed.
It's a state-backed insurer of last resort that provides wind and hail coverage when standard insurance companies won't cover your property due to high coastal risk. If you're very close to the water or in a particularly vulnerable area, you may need to get your wind coverage through this program while purchasing your basic homeowners policy elsewhere. Rates are typically higher than standard market options, but it ensures you can get the coverage you need.
Yes, several strategies can reduce your premiums. Install wind mitigation features like hurricane shutters or impact-resistant windows for 10-30% savings. Bundle your home and auto insurance for another 10-20% discount. Shop multiple insurers since rates vary significantly. For newer homes, ask about building code credits. Finally, consider a higher regular deductible to lower your premium, but be cautious about wind/hail deductibles since they're percentage-based.
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