A To Z Insurance Agency
3820 Palmetto Drive, Myrtle Beach, SC 29577
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Myrtle Beach households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
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3820 Palmetto Drive, Myrtle Beach, SC 29577
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1551 21st Ave N, #18, Myrtle Beach, SC 29577
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3700 Palmetto Point, Ste 2, Myrtle Beach, SC 29588
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3700 Palmetto Pointe Blvd, Ste 2, Myrtle Beach, SC 29588
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1565 Glenns Bay Rd, Myrtle Beach, SC 29575
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1045 London St, Ste 201, Myrtle Beach, SC 29577
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4932 Hwy 17 Byp S, Myrtle Beach, SC 29588
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4932 US-17 BUS S, Myrtle Beach, SC 29575
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1203 48th Ave N, Ste 109, Myrtle Beach, SC 29577
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2411 N Oak St, Suite 305H, 3rd, Floor, Myrtle Beach, SC 29577
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Learn about insurance coverage options specific to Myrtle Beach residents.
Myrtle Beach homeowners pay $2,500-$4,000/year for hurricane coverage. Learn about wind deductibles, flood insurance requirements, and savings strategies.
Home InsuranceMyrtle Beach home insurance averages $3,556-$4,472/year. Learn why coastal rates are 75% higher and how wind mitigation can save you up to 48% on premiums.
Car InsuranceMyrtle Beach car insurance averages $185/month due to tourist traffic and coastal risks. Learn what drives premiums and how to save on coverage.
General Insurance EducationComplete guide to insurance in Myrtle Beach, SC. Learn about flood zones, hurricane coverage, vacation rental policies, and coastal requirements.
Car InsuranceMyrtle Beach auto insurance averages $1,800-$2,300/year. Learn about SC's 25/50/25 requirements, tourist traffic risks, and coverage for coastal living.
Renters InsuranceMyrtle Beach renters insurance averages $15-25/month but doesn't cover flooding. Learn what coastal renters need for complete hurricane protection.
Homeowners in Myrtle Beach typically pay $2,500-$4,000 annually, about 50% higher than South Carolina's state average due to hurricane and coastal flood risks. Your actual cost depends on your home's location, age, construction type, roof condition, and distance from the ocean. Homes closer to the beach and those without wind mitigation features pay significantly more.
Yes, flood insurance is essential throughout Myrtle Beach, not just for oceanfront properties. Much of the area sits in FEMA flood zones where lenders require coverage, and hurricane storm surge can push water miles inland. Heavy rainfall also overwhelms drainage systems. At $700-$1,000 annually through NFIP, flood insurance is relatively affordable protection against a devastating financial loss.
A wind deductible is a percentage of your home's insured value (typically 2-5%) that you pay out of pocket for wind or hail damage before insurance coverage applies. For a $300,000 home with a 3% wind deductible, you'd pay the first $9,000 of hurricane damage yourself. This is separate from and higher than your standard deductible for other perils like fire or theft.
Absolutely. Hurricane shutters, impact-resistant windows, reinforced roof connections, and fortified roofing can reduce your premiums by 15-30% annually through wind mitigation discounts. A professional inspection documenting these features provides proof to insurers. Given Myrtle Beach's high premiums, these savings often amount to hundreds or thousands of dollars per year.
The South Carolina Wind and Hail Underwriting Association is a state-created insurer of last resort that provides wind coverage when standard insurance companies won't. It's more expensive and has separate deductibles for dwelling, contents, and waiting periods, but it ensures coastal homeowners can obtain necessary wind protection even in the highest-risk areas.
Your homeowners policy covers wind and rain damage from hurricanes, but typically with a high percentage-based deductible (2-5% of your home's value). However, flood damage from storm surge or heavy rainfall is NOT covered—you need a separate flood insurance policy through NFIP or a private insurer. This dual-coverage approach is essential for complete hurricane protection in Myrtle Beach.
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