Homeowner Insurance Costs in Horry County, SC

How much does homeowner insurance cost in Horry County? Here's what to expect.

Est. Annual Premium

$1,293

Monthly Cost

$108

Median Home Value

$235,000

% of Income

2.2%

Typical Coverage Breakdown

Coverage Amounts

Dwelling (Coverage A)$235,000
Personal Property (C)$117,500
Liability (E)$300,000
Deductible$2,350

Cost Context

Homeownership Rate75.2%
Median Income$59,880
Property Tax Rate0.4%
Population356,578

About Insurance in Horry County

Homeowner insurance in Horry County, South Carolina costs an estimated $1,293 per year for a median-value home of $235,000. This represents approximately 2.2% of the median household income of $59,880.

Actual premiums depend on your home's age, construction type, claims history, credit score, proximity to fire stations, and specific peril exposures. Use our calculator for a personalized total cost of risk analysis with peril-by-peril breakdown.

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Other Counties in South Carolina

County-level data from U.S. Census Bureau American Community Survey (ACS) 2022 5-Year Estimates. Additional sources: Insurance Information Institute, state insurance departments. Estimates are county-level approximations. This is not insurance advice.