Home Insurance in Charleston SC, Summerville SC, and Orangeburg SC

Coverage for Homeowners Throughout South Carolina 

Owning a home comes with great reward and great responsibility. To protect your home and your family, you will need a comprehensive home insurance policy geared for your needs. 

The agents at Dotterer Insurance will help you evaluate the risks facing your home so that you can get insured with an affordable and reliable home insurance policy. 

What Does Home Insurance Cover? 

A basic home insurance policy covers four main areas: 

Liability

Personal general liability under home insurance covers accidents of bodily injury and property damage someone else may suffer. For example, if a visitor trips and falls in your home, liability insurance can help pay for their medical bills. It can also protect you in case of a lawsuit regarding these types of accidents. Liability can also extend to cover damage and injuries caused by your children or pets. If your pet bites someone, or if your child accidentally breaks someone’s window with a baseball, liability insurance can help pay for the related expenses. 

Dwelling 

Dwelling coverage provides compensation for damages to the physical home and its attached structures. It covers against a list of perils, including fire, wind, hail, lightning, smoke, explosions, falling objects, theft and vandalism. This does not generally cover things such as fences and outdoor signs. 

Personal Belongings 

Personal belongings coverage provides compensation if your personal items are lost or damaged due to many of the same perils as covered by dwelling insurance. There are also optional policy floaters available to cover your expensive items such as jewelry, furs, art and electronics. 

Additional Living Expenses

Additional living expense coverage helps cover costs related to temporarily moving if your home is rendered uninhabitable by a disaster. If a hurricane sweeps in and destroys your home, for example, this coverage can help with the cost of food, temporary shelter and more. 

How Do I Shop for Home Insurance? 

When shopping for home insurance, you will need information ready. Important information you will have to provide includes: 

It’s crucial to understand the value of what you are insuring to guarantee that your personal belongings will be covered. You will want physical proof of your home’s renovation history, as well. 

Protect Your Home Today 

Protect your home from everyday dangers. Call Dotterer Insurance at 843-821-7548 or fill out an online quote form to get started today. 

Common Home Insurance Questions 

How Much Home Insurance Do I Need?

The amount of home insurance you need varies depending on the value of your home and other factors. Every home is different, so be sure to speak with an insurance agent about your coverage needs. 

How Much Does Home Insurance Cost? 

Home insurance premiums depend on your location, claims history, credit score, coverage limits and more. Fill out an to discover how much you can save on home insurance. 

How Do Home Insurance Claims Work? 

When you file an insurance claim, a claims adjuster from the insurance provider will investigate the claim and calculate how much compensation you will receive based on the damages and your policy. Once a claim is approved, you can receive compensation for damages. 

How Often is Home Insurance Paid?

Most home insurance policies are paid on a monthly basis. Some insurance providers will offer a discount to homeowners who pay their premiums annually.