Homeowner Insurance

   The national average premium for a 12-month homeowner policy is $1,034; the average annual premium in South Carolina is $1,134. You deserve the peace of mind knowing the place where you reside is more than adequately covered in the event something arises—and you're getting the most value for your money.
   At Vanguard Insurance Solutions, our goal is to make the insurance buying process as easy as possible while also providing the best coverage possible. The benefit of working with us is we're an independent agent, and we are dedicated to bringing you reputable insurance companies that offer diverse and affordable options:

•   * Your deductible is what you will pay out of pocket before the insurance company pays. Your premium can be higher or lower depending on the deductible. The replacement cost is the maximum amount the insurance company may pay towards repairing your home if damaged or replacing it in the event of a total loss.


•   * Additional living expense. Coverage for you if you're unable to live in your home while it is being repaired (usually up to 24 months).


•   * Protection for your personal belongings, jewelry, and other special items, and additional structures. Medical expense coverage. Liability coverage that protects your assets in the event someone is injured or their property is damaged.


•   * Depending on the insurance company, other optional coverages include equipment breakdown, identity theft protection, water loss prevention, and earthquake coverage.