
"According to the American Community Survey (ACS) data from the U.S. Census Bureau, South Carolina homeowners with a mortgage typically pay $1,000-$1,499 annually for homeowners insurance, while those without a mortgage average the same $1,000-$1,499. Overall statewide costs also fall into the $1,000-$1,499 range. South Carolina has 1,607,358 insured homeowner households in total-916,190 with a mortgage and 691,168 without. Among mortgaged owners, 80,283 pay less than $100 annually and 58,753 pay $4,000 or more."
"Compared with nearby states, South Carolina is among the more affordable. North Carolina homeowners with a mortgage also average $1,000-$1,499, while Georgia is higher at $1,500-$1,999. Florida, by contrast, is far more expensive, with mortgaged households averaging $2,000-$2,499. Virginia is similar to South Carolina, at $1,000-$1,499 for both groups. This makes South Carolina one of the most affordable coastal states in the Southeast."
American Community Survey data indicates South Carolina homeowners typically pay $1,000–$1,499 annually for homeowners insurance whether they have a mortgage or not. The state has 1,607,358 insured homeowner households, including 916,190 with a mortgage and 691,168 without. Among mortgaged owners, 80,283 pay less than $100 annually and 58,753 pay $4,000 or more. Among those without a mortgage, 170,266 pay less than $100 and 36,777 pay $4,000 or more. Compared with neighboring states, Georgia and Florida have higher averages, while North Carolina and Virginia show similar, more affordable ranges. Coastal hurricane and flood exposure contrasts with relatively modest premiums.
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