South Carolina Condo Insurance (HO-6) 2026

South Carolina has a significant condo market dominated by the Grand Strand (Myrtle Beach and surrounding communities), which is one of the most condo-dense resort areas in the Southeast. Charleston, Hilton Head Island, and Kiawah Island round out the major coastal markets. Inland, Columbia and Greenville have growing suburban condo markets. The state's SCWHUA (South Carolina Wind and Hail Underwriting Association) provides wind coverage for coastal properties where private carriers have restricted writing. Hurricane exposure is severe across the entire coast, and Hurricane Matthew, Florence, and Dorian have all caused significant damage to South Carolina condo communities in recent years. Most South Carolina HOAs use bare walls-in master policies.

South Carolina condo owners — especially on the Grand Strand and Lowcountry coast — face a multi-policy requirement: HO-6 for interior and liability, the HOA master policy for the building, wind coverage through SCWHUA or a private carrier, and NFIP or private flood insurance. Loss Assessment coverage of $60,000 is advisable given the frequency of hurricane-related assessments along the coast. Named-storm wind deductibles of 2–5% are standard for coastal policies. Charleston's historic condo conversions should carry ordinance-or-law endorsements for post-loss historic building code requirements. Verify the master policy form, especially for older Grand Strand buildings where bare walls-in is prevalent.