The NCIUA Beach Plan covers the beach area and 18 coastal counties; the FAIR Plan covers the rest. See who qualifies, limits, storm deductibles and flood gaps.
North Carolina home and renters policies exclude flood. Check your flood zone by address and see NFIP limits of $250,000 for a home and $100,000 for contents.
South Carolina home and renters policies exclude flood. Check your flood zone, see NFIP limits of $250,000 and $100,000, and learn how renters buy coverage.
South Carolina renters insurance covers belongings, liability and living costs, not flood. HO-4 policies averaged $187 in 2023, and a lease can require one.
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