South Carolina Homeowners Policy
The following chart is a snapshot view of the available coverage and endorsement options of a St. Johns Homeowners policy. To get additional information, please consult your agent. If you do not have an agent, click on the "Locate an Agent" button to find the St. Johns Agent nearest you.
Homeowners (HO-3) |
| Coverage |
| Dwelling Limits |
$100,000 Minimum $2,000,000 Maximum |
| Other Structures Limits |
Standard 2% of Coverage "A"
Maximum 25% of Coverage "A" |
Contents Limits |
Standard 50% of Coverage "A" *
*Other options Available |
| Personal Liability Limits |
$100,000 $300,000 & $500,000 *
*only available if required by the umbrella policy |
Base Deductible |
All other Perils- $1000 Wind/Hail- 2% |
Optional Deductible
*Availability based on Coverage "A" limit |
All other Perils- $500 and $2500
Wind/Hail-10%, 5%, $1000, and $500 |
| Endorsements |
| Replacement Cost Coverage on Contents |
Optional Endorsement (HO 04 90) |
| Scheduled Personal Property |
Optional Endorsement (HO 04 61) |
| Increased Ordinance & Law Coverage |
Optional Endorsement (SJSC 101 09 08) |
| Personal Injury Coverage |
Optional Endorsement (HO 24 82) |
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| Payment Plans |
| Full Pay |
Full payment of the gross annual premium plus all policy fees due at the inception of the policy. |
| 2 Pay Plan* |
60% of the policy premium plus all policy fees are due at the inception of the policy, the remaining 40% of the premium is due 180 days after the inception of the policy. |
| 4 Pay Plan* |
40% of the policy premium plus all policy fees are due at the inception of the policy, the remaining 60% of the premium is due in three equal installments at 90, 180, and 270 day intervals. |
| *Each installment, except the full payment plan, is subject to an installment fee of 5 dollars. |
Note: These guidelines are subject to change