Short answer: Under S.C. Code §38-75-740, a South Carolina homeowners insurer that won't renew your policy must give you written notice at least 60 days before it expires. The precise reason must be stated. If you think a notice broke the rules, contact the South Carolina Department of Insurance.
The rule
- Written notice at least 60 days before expiration or the anniversary date, stating the precise reason
- §38-75-790 bars non-renewing a homeowners policy because you filed an act-of-God claim with that insurer
- See also the SC DOI FAQ
Source: S.C. Code §38-75-740.
What to do if you get a notice
- Check the dates. Count from when the notice was mailed or delivered.
- Ask your insurer or agent for the specific reason and whether a repair or update would change its decision.
- Start shopping right away. If regular insurers turn you down, ask about South Carolina's FAIR Plan or other residual market, if one exists.
- If the notice seems late or vague, file a complaint with the South Carolina Department of Insurance.
See also our non-renewal notice rules by state table.
Questions? Contact Alishahi Insurance or call (877) 711-4545. Vea insurance in South Carolina.
Frequently asked questions
How much notice is required for a homeowners non-renewal in South Carolina?
At least 60 days, under S.C. Code §38-75-740.
Does the insurer have to give a reason?
The precise reason must be stated.
Who regulates insurance in South Carolina?
The South Carolina Department of Insurance.
Alishahi Insurance · 439 N Canon Dr, Penthouse, Beverly Hills, CA 90210 · (877) 711-4545 · CA License #4348151. General information only. This isn't legal, tax or financial advice or a coverage determination. Coverage depends on policy language and underwriting, and rules vary by state.