You generally need enough homeowners insurance to cover the full cost to rebuild your home at today’s prices, along with coverage for your belongings, liability, and any detached structures on your property. A local agent can run a replacement cost estimate to help determine the right amount of coverage so you’re not underinsured if a major loss or disaster occurs.

Standard homeowners insurance does not cover flood damage in South Carolina. To be fully protected, you’ll need a separate flood policy through the NFIP or a private flood carrier. Swamp Fox Agency can help you explore both options. If you live near the coast or in a low-lying area, adding flood insurance is highly recommended.

South Carolina requires drivers to carry minimum liability limits of 25/50/25 plus uninsured motorist coverage. This includes $25,000 bodily injury per person, $50,000 per accident, and $25,000 property damage. Many drivers choose higher limits and add underinsured motorist coverage for stronger protection in case the at-fault driver doesn’t have enough insurance.

However, state minimums often aren’t enough to fully protect you after an accident. Medical bills and vehicle damage can easily exceed those limits, leaving you responsible for the difference. For guidance on what limits fit your situation, contact your local Swamp Fox agent.

Collision coverage helps pay for damage to your vehicle if you hit another car or object. Comprehensive coverage protects against damage caused by something other than a collision, such as theft, hail, fire, fallen trees, or hitting an animal. Together, these coverages protect your vehicle from most types of physical damage, which is why most drivers choose to carry both.

Your policy covers a rental car only if you added rental reimbursement coverage, which pays for a temporary vehicle while yours is being repaired after a covered claim. It’s an optional add-on, so check your policy to confirm you have it and review your daily and total coverage limits.

Underinsured motorist (UIM) coverage helps pay for your medical expenses and damages when the at-fault driver doesn’t carry enough insurance to cover your loss. It fills the gap between their liability limits and the actual cost of your injuries. Having UIM provides crucial financial protection, especially in states like South Carolina where minimum limits are low.

In South Carolina, golf carts must be registered with the DMV, carry liability insurance, and may only be driven during daylight hours within four miles of the address listed on the registration. The driver must be at least 16 years old and hold a valid driver’s license. Local ordinances may add additional rules, so be sure to check your city or county requirements. If you’re unsure what you need, speak with one of our agents. 

Most homeowners and renters choose $300,000–$500,000 in personal liability protection. If you have significant assets or higher exposures—such as a pool, certain dog breeds, or frequent guests—an umbrella policy can add an extra $1 million or more in coverage. It’s an affordable way to increase your protection and give you added peace of mind.

Roadside assistance is an optional add-on that may covers towing, jump starts, flat tires, fuel delivery, and lockouts. It’s affordable and can save you hundreds during unexpected breakdowns. Check your policy or ask your agent whether this coverage is included.

A Business Owners Policy (BOP) bundles essential coverages—general liability, commercial property, and business interruption—into one affordable package. It protects your small business from lawsuits, property damage, and income loss after a covered event. Many small and midsize companies choose a BOP for its convenience and cost savings.

Most South Carolina small businesses must carry workers compensation if they have four or more employees regularly employed, unless they qualify for an exemption. Commercial auto liability is required for any business-owned vehicles. Depending on your industry or contracts, you may also need professional liability, surety bonds, or other specialty coverages. General liability isn’t required by the state but is strongly recommended for most businesses.

Even though general liability isn’t required by South Carolina, it’s one of the most important coverages a small business can carry. It protects you from the most common claims—like customer injuries or accidental property damage—and covers legal defense costs that would otherwise come out of your pocket. For most businesses, the protection it provides far outweighs the cost.

Workers compensation covers medical bills, lost wages, and disability benefits for employees who are injured on the job. In South Carolina, most businesses with four or more employees regularly employed are required to carry workers compensation coverage, unless they fall under certain exemptions.

A workers compensation policy also includes Employer’s Liability coverage, which protects the business if an injured employee sues the employer for negligence. Together, these coverages help protect the employee and reduce the employer’s financial and legal exposure.

Possibly. South Carolina may consider certain subcontractors “statutory employees,” meaning you could still be responsible for their workers compensation coverage. If a subcontractor lacks their own policy, your business may be liable. Always verify certificates of insurance to avoid penalties or unexpected claims.

Yes, any small business that processes payments, stores customer data, or operates online should carry cyber liability insurance. It covers data breaches, ransomware, cyberattacks, and recovery costs. Even small companies are frequent targets, making cyber coverage essential for protecting your operations and reputation.

Business interruption insurance helps replace lost income and operating expenses if your business must temporarily close due to a covered event, like fire or storm damage. It can pay for rent, payroll, and utilities, helping your business recover faster and maintain financial stability during downtime.

If employees drive their own cars for business—deliveries, sales visits, errands—you may need hired and non-owned auto coverage. It protects your business from liability if an employee causes an accident while driving their personal vehicle for work-related tasks.

Yes. Many SC contracting jobs require general liability insurance and, in some cases, surety bonds. Contractors working in trades like plumbing, electrical, HVAC, and construction often must show proof of insurance to obtain licenses, permits, or contracts with local municipalities.