Home Insurance

As your largest investment, it's important to make sure your home has the proper insurance coverage. We'll protect your home and everything in it for the lowest possible price.

 PROPERTY INSURANCE · UPSTATE SC

Home Insurance in Greenville, SC

Your home is your largest investment. Our independent agents shop 30+ carriers to build you the right coverage at the right price — no pressure, no guesswork.

30+
CARRIER PARTNERS

Local
GREENVILLE-BASED AGENT

Fast
NO-BLIGATION QUOTES

HO3
STANDARD POLICY FORM

LICENSED IN SOUTH CAROLINA · NORTH CAROLINA · GEORGIA

what is iT?

Homeowners Insurance Explained for Upstate SC Families

Homeowners insurance — most commonly written as an HO3 policy — is a multi-line contract that bundles property and liability protection into a single premium. It covers the physical structure of your home, your personal belongings, and your legal exposure if someone is injured on your property.


In Greenville, Spartanburg, Mauldin, and the surrounding Upstate communities, most mortgage lenders require this coverage before closing. But beyond satisfying lender requirements, the right policy is a financial safety net that protects decades of equity against fire, storm damage, theft, and unexpected events.


As an independent agency, Priority Insurance is not tied to any single carrier. We compare options across our network to find the coverage that actually fits your home, your neighborhood, and your budget.

Standard HO3 Policy Structure

A

Dwelling

Your home's structure — walls, roof, foundation, built-in systems

B

Other Structures

Detached garage, fences, sheds, retaining walls

C

Personal Property

Furniture, electronics, clothing, belongings worldwide

D

Loss of Use

Hotel stays, meals, storage if your home becomes uninhabitable

Personal Liability & Medical Payments

Legal defense and injuries on your property

What Your Policy Covers

A standard HO3 provides open-perils protection for your dwelling and named-perils coverage for personal property. Here's what that means for Upstate SC homeowners.

COVERAGE A

Dwelling Protection

Covers fire, windstorm, hail, lightning, and other perils that damage the structure of your home. Coverage is based on replacement cost — what it costs to rebuild today — not your home's market value.

COVERAGE b

Other Structures

Extends protection to structures not attached to your home — detached garages, fences, sheds, workshops, and gazebos. Limits are typically a percentage of your Coverage A amount and can be increased.

COVERAGE c

Personal Property

Protects your furniture, electronics, clothing, and belongings — even away from home. Note: high-value items like jewelry and firearms have sub-limits. A scheduled endorsement ensures full protection for valuables.

COVERAGE d

Loss of Use

If a covered loss makes your home uninhabitable, this pays for temporary housing, hotel stays, increased food costs, and storage. It keeps your family in a safe routine while repairs are completed.

sECTION ii

Personal Liability

Covers legal defense costs, medical expenses, and settlements if a visitor is injured on your property or if you or a family member accidentally damage someone else's property — on and off your premises.

ENDORSEMENTS

Optional Add-Ons

Customize your policy with scheduled personal property riders, equipment breakdown coverage, identity theft protection, and water backup endorsements. We tailor each policy to what actually matters for your home.

Covered vs. Not Covered: Know the Difference

Standard HO3 policies cover many perils — but not all. Understanding exclusions prevents surprises at claim time.

Scenario Standard HO3 Notes
Fire or lightning damage ✓ Covered One of the most common claims in SC
Windstorm and hail ✓ Covered May require separate deductible for named storms
Theft and vandalism ✓ Covered Sub-limits apply for jewelry, firearms, electronics
Water damage from burst pipe ✓ Covered Sudden and accidental — not gradual leaks
Liability for guest injuries ✓ Covered Legal defense and medical payments included
Flood damage ✗ Excluded Requires separate flood policy (NFIP or private)
Earthquake damage ✗ Excluded Requires separate earthquake endorsement or policy
Maintenance-related wear ✗ Excluded Gradual deterioration, mold from neglect
Sewer or drain backup ✗ Excluded Available as an affordable endorsement — ask us

Who We Help in Upstate SC

From first-time buyers in Simpsonville to long-time homeowners in Taylors, we write policies for all stages of homeownership across the region.

First-Time Homebuyers

We walk you through every section of your policy so you understand exactly what you're buying before your closing date.

Existing Homeowners

If you haven't reviewed your policy in a few years, your dwelling coverage may no longer reflect current rebuild costs. Let us check.

Renovation & New Builds

A remodel or addition changes your coverage needs. We update your policy to match the upgraded value of your home.

Downsizers & Relocators

Moving within Upstate SC or relocating here from out of state? We make the transition to a new policy seamless.

Home-Based Businesses

Standard homeowners policies have limited coverage for business equipment. We can add the right endorsements to protect your work-from-home setup.

Why Upstate Homeowners Choose Priority Insurance

Independent. Local. Committed to finding you the right coverage — not just the easiest sale.

Independent Means Options

We're not tied to one carrier. We compare rates and coverage across 30+ companies to find your best fit — saving you time and often money.

Local Upstate SC Expertise

We know Greenville, Spartanburg, Mauldin, Greer, and the surrounding communities. Local knowledge shapes the coverage we recommend.

Replacement Cost Guidance

Market value and rebuild cost are different numbers. We help you calculate true replacement cost so you're not underinsured when it matters most.

Bundling & Discount Review

We actively look for multi-policy discounts, security system credits, and claims-free savings on every quote we build for you.

Licensed in SC & NC

Serving clients throughout South Carolina, North Carolina, and Georgia from our Greenville office at 140 Milestone Way.

Claims Support When It Counts

When you have a loss, we're in your corner — helping you navigate the claims process and communicate with your carrier effectively.

Common Home Insurance Questions

  • What does an HO3 policy actually cover?

    An HO3 is the most common homeowners policy. It provides open-perils coverage for your dwelling (Coverage A) — meaning any cause of loss is covered unless specifically excluded — and named-perils coverage for personal property (Coverage C), meaning only the listed causes apply. It also includes other structures, loss of use, personal liability, and medical payments to others.

  • What is NOT covered by a standard homeowners policy?

    Key exclusions in a standard HO3 include:

         • Flood damage (requires a separate flood insurance policy)

         • Earthquake or earth movement

         • Gradual wear, maintenance issues, or neglect

         • Sewer backup and water drain overflow (available as an endorsement)

         • Power failure not originating on your property


    Reviewing exclusions with your agent before you need to file a claim is always worthwhile.

  • Do I need flood insurance separately in South Carolina?

    Yes. Flood damage is never covered under a standard homeowners policy. If your property is in a FEMA-designated flood zone, your lender will likely require it. But most flood claims happen outside high-risk zones — so flood coverage is worth discussing even if you're not required to carry it. Priority Insurance can help you explore both NFIP and private flood insurance options.

  • How is my coverage limit calculated — should it match my home's market value?

    No — and this is one of the most important distinctions in homeowners insurance. Your Coverage A limit should reflect the cost to rebuild your home from the ground up (replacement cost), not its current market value. Land, location premiums, and market conditions affect sale price but not what it costs to reconstruct. We help you determine the right dwelling limit so you're not underinsured after a total loss.

  • How can I lower my premium without losing coverage?

    Several approaches can reduce your premium while maintaining solid protection:

          • Bundle your home and auto policies with the same carrier

          • Install monitored alarm systems or smart home security devices

          • Increase your deductible if you can absorb a higher out-of-pocket expense

          • Maintain a claims-free history to qualify for loyalty discounts

          • Ask about new roof or updated systems credits


    Our agents review every available discount when building your quote.

  • Are my personal belongings covered when I travel or away from home?

    Yes — Coverage C (personal property) in a standard HO3 policy covers your belongings worldwide, not just at home. However, sub-limits apply to certain categories like jewelry, firearms, silverware, and electronics. If you own high-value items in these categories, a scheduled personal property endorsement ensures full coverage for those specific items.

Ready to Protect Your Upstate SC Home?

Our Greenville-based agents compare 30+ carriers to find the right coverage at the right price. Fast, no-obligation quote — takes just a few minutes.

Or call us at (864) 297-9744 · 140 Milestone Way Suite A, Greenville, SC 29615