Home Insurance
HOME INSURANCE IN CHARLESTON, SC
Your Home Is Your Biggest Investment. Let’s Protect It the Right Way.
Your home is more than a property — it’s where your life happens. Whether you’re in James Island, Johns Island, West Ashley, Mount Pleasant, or anywhere in the Lowcountry, we build homeowners insurance policies that actually protect you when it matters most.
Most people don’t realize this until it’s too late: All home insurance is NOT the same.
We take the time to educate you, customize your coverage, and make sure there are no surprises during a claim.
Our Services
Why Local Expertise Matters MORE in Charleston
The Lowcountry is unique — and so are its risks:
Hurricanes & tropical storms
Flood zones & coastal erosion
High humidity & moisture damage
Older roofs and older construction
Tight underwriting by carriers in coastal areas
Building codes + mandatory upgrades after storms
Online quotes and out-of-state agents don’t understand this.
We do — because we live here.
What Does Homeowners Insurance Actually Cover?
1. Dwelling (Your Home’s Structure)
Covers damage to the physical structure — walls, roof, floors, built-in appliances, etc.
2. Other Structures
Detached garage, shed, fences, driveway, pergolas, etc.
3. Personal Property (Your Stuff)
Furniture, clothing, electronics, appliances, décor, etc.
Covered at replacement or actual cash value (we explain the difference).
4. Loss of Use (Temporary Housing)
If your home is uninhabitable due to a covered loss, insurance pays for:
Hotel or rental home
Food & living expenses
Pet boarding
This benefit can be a lifesaver after a storm.
5. Liability Coverage (Lawsuits & Medical Bills)
If someone is injured on your property or your actions cause damage to others, this covers:
Medical expenses
Legal fees
Settlements or judgments
This is one of the most valuable parts of your policy.
SCHEDULED PERSONAL PROPERTY (Don’t Skip This!)
Most people don’t realize: High-value items are NOT fully covered under standard personal property limits.
To protect expensive belongings, we “schedule” them with full replacement coverage.
Items that should be scheduled:
Engagement rings & jewelry
Firearms
High-end sports equipment (golf clubs, fishing gear, bicycles)
Furs & designer fashion
Artwork & collectibles
Musical instruments
Rare memorabilia
If it would break your heart or your wallet to replace, schedule it.
We help you schedule items the right way — so you’re 100% covered in a loss.
The Truth About Roofs & Storm Claims (No One Tells You This)
Home insurance is NOT a maintenance plan. It is designed to cover sudden, accidental damage — not wear and tear.
You can:
Here’s what homeowners need to know:
Roofs depreciate over time
A 20-year-old roof will NOT get full replacement value
Even if a STORM damages an old roof…
Insurance may only pay the depreciated value
Or deny the claim if the roof was already deteriorating
Poor maintenance = Claim Denied
We review your roof age, materials, and coverage BEFORE a storm ever hits — so you’re not blindsided later.
This is why having a real agent matters.
WATER DAMAGE: What’s Covered & What’s NOT
Water claims are one of the most commonly misunderstood — and denied — types of claims.
Covered:
Sudden burst pipe
Storm-created opening (wind blows off shingles, rain enters)
NOT Covered:
Gradual leaks (maintenance issue)
Ground water seeping into basement
Long-term moisture damage
Flooding (requires separate flood policy)
WATER BACKUP COVERAGE = EXTRA ENDORSEMENT (ADD IT!)
If a sewer or drain backs up into your home — that’s NOT covered in a standard policy.
But with a water backup endorsement (small extra cost), it IS covered.
This is one of the most important add-ons for Charleston homeowners.
Optional but CRITICAL Coverages We Recommend
We help you find every available discount, including:
We tailor your policy with smart add-ons to fill dangerous gaps:
Water Backup Coverage
Extended Replacement Cost (covers inflation & spikes in materials)
Ordinance or Law Coverage (code upgrades for older homes)
Equipment Breakdown (HVAC, appliances, electrical)
Identity Theft Protection
Flood Insurance (sold separately — we’ll help you with FEMA or private flood)
We won’t let you be underinsured.
Liability Protection: More Important Than You Think
If a guest slips, gets hurt, or sues you — this coverage can save your finances.
We tailor your policy with smart add-ons to fill dangerous gaps:
Covers:
Guest injuries on your property
Medical payments
Legal defense
Dog bites (depending on breed)
Damage your family causes to others
Lawsuits
Want even more protection?
We can add an Umbrella Policy for $1M+ in extra liability coverage for pennies on the dollar.
Want to Save Money? Bundle & Win.
Most clients save up to 25% by bundling home + auto with us.
Plus, bundling gives you:
One agent
One bill
Better coverage coordination
Fewer gaps
Bigger discounts
What Our Homeowners Are Saying
“When a storm hit and we had roof damage, Rhonda explained everything, worked with the adjuster, and helped us get what we were owed. She even told us ahead of time what would and wouldn’t be covered. No surprises!”
Why Choose Us Instead of a 1-800 Number?
Other Agents / Online Quotes
Generic policies
No explanation of exclusions
No review of roof or water risk
You handle claims alone
Out-of-state reps
Our Agency
Customized coverage
Transparent education
We catch gaps before claims
We guide & advocate for you
Charleston-based team
Insurance shouldn’t be confusing. We make it clear, personal, and reliable.
Protect Your Home the Right Way — Before the Storm
Let’s make sure you understand what’s covered — and what’s not — so there are no surprises when you file a claim.
Peace of mind starts with the right coverage. Let’s build it together.
© 2025
Rhonda P Myers: Allstate Insurance. All rights reserved