South Carolina, with over 200 miles of coastline, is highly vulnerable to hurricanes and tornadoes, averaging 23 tornadoes annually since 2014. Despite this, major insurers remain in the state, unlike in Florida and California. Homeowners face some of the highest insurance premiums in the country, making it crucial to compare options. Chubb offers the lowest average annual premium at just over $880, while Travelers has the highest at nearly $5,200. Coastal homes incur significantly higher insurance rates due to increased disaster risk and rebuilding costs.
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