Homeowners Insurance in Myrtle Beach, North Myrtle Beach, and Conway

Owning a home along the South Carolina coast brings unique challenges and risks. From hurricanes and flooding to navigating wind and hail policies, protecting your home requires more than a one-size-fits-all policy. At Moore & Associates Insurance, we simplify the process by comparing quotes from multiple carriers and guiding you toward the coverage that best protects your property across Myrtle Beach, North Myrtle Beach, Conway, and the Grand Strand.

Coastal Coverage Tailored to You

We partner with trusted providers such as Orion180, Universal Property & Casualty, and Slide to deliver homeowners insurance policies that address the specific risks of coastal living. Whether you own a primary residence, vacation home, or condo, our team ensures your policy includes the right protection for everything nature brings to the shoreline.

Types of Homeowners Policies

Unlike auto insurance, which tends to be uniform, homeowners insurance varies by policy type or “form.” The most common include:

• HO1 – Basic policy with limited coverage, rarely offered today
  
• HO2 – Broad form covering perils like fire, theft, smoke, and falling objects
  
• HO3 – Special form, the most popular, covering nearly all risks except exclusions (flood, wear and tear, termites, etc.)
  
• HO4 – Renters insurance
  
• HO6 – Condo insurance
  
• HO8 – Coverage for older homes
  

All policies are packaged to include dwelling coverage, personal property, and liability protection. Policies also come with limits for certain valuables such as jewelry, firearms, and silverware. These can often be increased or supplemented with additional endorsements.

Optional Coverage for Added Protection

For homeowners who need broader protection, we offer optional coverages for items such as jewelry, collectibles, fine art, or musical instruments. Additional endorsements can be tailored to fit your lifestyle and safeguard the belongings that matter most.

Local Expertise You Can Rely On

Our agents live and work in the Grand Strand community, so we understand the unique risks homeowners face. Whether you are buying your first home in Conway, protecting a beachfront property in North Myrtle Beach, or preparing for storm season in Myrtle Beach, our team provides personalized guidance and dependable coverage options.

📞 Contact us today at 843-839-5076 to review your homeowners insurance and explore policies designed for coastal South Carolina living.