What does Mauldin Insurance Group do?

Mauldin Insurance Group is an independent insurance agency based in Lexington, SC. We help individuals, families, and businesses across South Carolina find the right insurance coverage — including Medicare Advantage, Medicare Supplement, Part D, ACA health insurance, life insurance, final expense, auto, home, and commercial insurance. As an independent agency, we work with multiple top-rated carriers and shop the market on your behalf at no cost to you.

When do I need to sign up for Medicare, and what happens if I miss my enrollment window?

Your Initial Enrollment Period is a 7-month window that begins 3 months before the month you turn 65 and ends 3 months after. If you miss this window and do not have qualifying employer coverage, you may face a permanent late enrollment penalty on your Part B premium — 10% for each 12-month period you delayed — plus a gap in coverage. The Annual Enrollment Period runs October 15 through December 7 each year. We strongly recommend calling us before your 65th birthday to map out your enrollment timeline and avoid any costly mistakes.

What are the best Medicare plans available in Lexington and the Midlands area?

The best Medicare plan depends entirely on your health needs, your doctors, your prescriptions, and your budget. In the Lexington and Columbia, SC area, we represent 6 organizations offering 52 products in our service area — including Medicare Advantage plans, Medicare Supplement plans (Plan G and Plan N are most popular for new enrollees), and Part D prescription drug plans. We compare every available option side by side and help you choose the plan that fits your life at no cost to you. Call Jennifer at (843) 509-2462 for a free, no-pressure comparison.

What is the difference between Medicare Advantage and Medicare Supplement?

Medicare Advantage (Part C) is an all-in-one alternative to Original Medicare offered by private insurers. It typically bundles Parts A, B, and D in one plan — often with extra benefits like dental and vision — and usually has low or $0 monthly premiums, but uses provider networks and involves copays. Medicare Supplement (Medigap) works alongside Original Medicare, covering the 20% coinsurance and other out-of-pocket costs Original Medicare leaves behind. It carries a monthly premium but gives you the freedom to see any Medicare-accepting doctor nationwide with very predictable costs. We help you decide which approach is right for your health and budget.

How much does health insurance cost in South Carolina, and can I get help paying for it?

ACA health insurance premiums in South Carolina vary based on your age, household size, income, and the plan tier you choose. Many South Carolinians qualify for premium tax credits through the federal marketplace that significantly reduce their monthly cost — some qualify for plans as low as $0 per month depending on income. We help you determine your subsidy eligibility, compare all available plans, and enroll at no charge. Call us at (843) 509-2462 or (803) 920-8827 to get started.

How much life insurance do I actually need to protect my family in South Carolina?

A common starting point is the DIME method: add up your Debt, Income replacement (typically 10x your annual income), Mortgage balance, and Education costs for your children. For most South Carolina families this works out to $500,000 to $1,000,000 in coverage. Term life insurance is often the most affordable way to get there — a healthy 35-year-old can often get $500,000 in 20-year term coverage for $25 to $35 per month. We help you find the right amount and the right carrier based on your specific situation at no cost.

What is final expense insurance and who is it for?

Final expense insurance is a type of whole life insurance with a smaller face value — typically $5,000 to $25,000 — designed specifically to cover funeral costs, burial expenses, outstanding medical bills, and other end-of-life costs. The average funeral in South Carolina costs between $9,000 and $12,000. It is a good fit if you are between ages 50 and 85, want guaranteed coverage with no medical exam required, and need an affordable, predictable premium that never increases. Coverage typically starts at $20 to $70 per month. Call Jennifer at (843) 509-2462 for a free quote.

How much does homeowners insurance cost in South Carolina?

The average homeowners insurance premium in South Carolina runs approximately $1,400 to $1,900 per year for a typical single-family home, though this varies significantly based on your home's location, age, roof type, construction, coverage limits, deductible, and claims history. As an independent agency, we shop multiple carriers to find the best combination of coverage and price. We also review your dwelling coverage limit to make sure it reflects current rebuilding costs — many SC homeowners are significantly underinsured without realizing it.

Should I bundle my home and auto insurance?

Bundling your auto and home insurance with the same carrier typically saves 10% to 20% on both policies and simplifies your coverage — one agent, one renewal cycle, and one point of contact if you ever need to file a claim. Most major carriers offer a multi-policy discount that makes bundling a straightforward win for most families. That said, bundling is not always the cheapest option in every situation. We compare bundled and unbundled scenarios side by side so you can make an informed decision. Call Ben at (803) 920-8827 for a free auto and home quote.

What is the difference between liability and full coverage auto insurance?

Liability insurance covers damage and injuries you cause to other people in an accident — it is the minimum coverage required by South Carolina law (25/50/25 minimums). It does not pay for damage to your own vehicle. Full coverage typically adds collision coverage (damage to your own vehicle in an accident) and comprehensive coverage (theft, weather damage, falling objects, and animal strikes). Whether full coverage makes financial sense depends on your vehicle value, whether you have a loan or lease, and your personal financial situation. We help you think through the right level of coverage for your specific circumstances.

Does Mauldin Insurance Group serve areas outside of Lexington, SC?

Yes — we serve clients across all of South Carolina and are also licensed in North Carolina and Georgia. While we are based in Lexington and serve a large volume of clients in the Columbia, Irmo, Chapin, Cayce, West Columbia, and Lake Murray areas, we work with clients statewide by phone, video, and in-person when needed. Distance is never an obstacle and there is no extra charge for clients outside the immediate Lexington area.

Does it cost anything to work with Mauldin Insurance Group?

No — our services are completely free to you. Insurance carriers pay independent agents a commission when a policy is placed. Your monthly premium is exactly the same whether you enroll through us or go directly to the carrier. The difference is that we do the research, comparison, and shopping for you, and we stay in your corner at renewal and at claim time. There is no obligation and no pressure — just honest help from people who live and work in your community.

Mobile & Manufactured Home Insurance in South Carolina: Real Coverage the Big Carriers Won't Write

Ben J. Mauldin | Jul 30 2026 12:45

If you own a manufactured or mobile home in South Carolina, you may have run into this: you call a big-name insurance company, you tell them what you have, and you get some version of "we don't write those."

It's frustrating, and it leaves a lot of good people feeling like their home is uninsurable. It isn't. There's a whole market of carriers that specialize in manufactured and mobile homes — you just usually can't reach it by calling one national company. That's exactly the kind of thing an independent agent is built for.

I'm Ben Mauldin, an independent agent in Lexington, and I write a lot of these policies across the Midlands, Pee Dee, and Lakelands. Here's how manufactured home insurance actually works — and how to get it done right.

First: mobile, manufactured, or modular? It matters

These terms get used interchangeably, but they mean different things to an insurer:

Mobile home — technically, a factory-built home made before June 1976 (before national HUD construction standards). Older units can be harder to insure.
Manufactured home — a factory-built home made after June 1976 under the federal HUD code. This is what most people mean today — singlewides and doublewides.
Modular home — built in sections in a factory but assembled to local building codes on a permanent foundation; often insured much like a standard site-built home.

Knowing which one you own is the first step, because it determines the type of policy you need. Manufactured and mobile homes are typically written on a specialty policy (often an HO-7), not the standard homeowners form used for site-built houses.

Why the big carriers say no — and who says yes

Large national carriers often decline manufactured homes because they're built differently, can be more vulnerable to wind, and depreciate differently than site-built homes. It's not personal — it's just outside their box.

The good news is that specialty carriers write manufactured and mobile homes every day, and they're good at it. As an independent agent, I can shop your home across those markets and find the one that fits your home's age, location, and condition. This is the heart of the "big carriers won't, but plenty will" reality: the coverage exists — you just need someone who can reach the right markets.

What a manufactured home policy actually covers

A good manufactured home policy looks a lot like a homeowners policy, tailored to your home:

Dwelling — the home structure itself.
Other structures — a detached carport, shed, deck, or skirting.
Personal property — your belongings inside.
Liability — if someone is injured on your property and you're responsible.
Loss of use — living expenses if a covered loss makes your home uninhabitable.
Trip / transport coverage — some policies can cover the home while it's being moved to a new site (ask before you move it — this is easy to overlook).

The detail that quietly costs people: ACV vs. replacement cost

This is the single most important thing to understand about insuring a manufactured home, so don't skip it.

Many manufactured home policies pay claims on an Actual Cash Value (ACV) basis — meaning depreciated value. Because manufactured homes can lose value over time, an ACV settlement after a total loss can come in far below what it costs to actually replace the home.

Where it's available, replacement cost or stated-value coverage protects you much better — it pays to rebuild or replace rather than handing you a depreciated check. It may cost a bit more in premium, but after a fire or a storm it can be the difference between recovering and starting over. Ask which basis your policy uses. If you're not sure, that's the first thing I'll check for you.

Wind, tie-downs, and older homes

Wind is the big risk for manufactured homes, so underwriting focuses on it:

Anchoring and tie-downs. Properly anchored homes are safer and easier to insure. If yours isn't tied down to current standards, upgrading it helps on both safety and coverage.
Age and condition. Newer homes in good condition have the most options. Older mobile homes (especially pre-1976) have fewer, but coverage is often still available through the right specialty carrier.
Wind/hail deductibles. Like site-built homes in South Carolina, manufactured home policies may carry a separate — sometimes percentage-based — wind/hail deductible. Know yours before a storm.

What to Do Find two things on your current policy: (1) whether it pays ACV or replacement/stated value, and (2) your wind/hail deductible. Those two details drive what actually happens after a claim. If you can't find them — or you've been told your home is "uninsurable" — send me the details and I'll shop it across the specialty markets.

Do you own the land, or rent the lot?

One more question that changes your policy: are you on land you own, or in a land-lease community where you own the home but rent the lot? Both are insurable, but the setup differs — and in a community, the park may require you to carry certain coverage. Either way, your policy covers your home and your liability; the park's policy does not.

Don't forget flood

Manufactured home insurance covers wind, fire, and the perils above — but like every home policy in South Carolina, it does not cover flood. A lot of manufactured homes sit in rural, low-lying, or creek-adjacent areas, and inland flooding is very real here. If there's any water risk near you, read Do You Need Flood Insurance If You're Not in a Flood Zone? — flood is a separate policy, and it's often more affordable than people expect.

It's also worth asking about a personal umbrella for extra liability protection — it's inexpensive and sits on top of your home and auto coverage.

Is it required, and what does it cost?

South Carolina doesn't require you to insure a home you own outright — but if you have a loan on the home, your lender will require it, and a land-lease community often requires liability coverage. Cost varies with the home's age, size, location, and whether you choose replacement cost, but manufactured home coverage is frequently more affordable than people assume — and far cheaper than replacing an uninsured home out of pocket. The only way to know your number is a quick quote.

Been Told Your Mobile Home Is "Uninsurable"? Let's Prove Them Wrong.

Free, no-pressure quote. I'll shop your manufactured or mobile home across the specialty carriers that actually write them, check whether you're getting replacement cost, and find you real coverage — usually the same business day.

📞 Call or Text Ben: 803-920-8827 🌐 MauldinInsuranceGroup.com 📍 100 Old Cherokee Rd STE F #167, Lexington, SC · Serving all of South Carolina

Curious why home insurance is getting harder and pricier across the board? See Why Home Insurance Is More Expensive in South Carolina in 2026.

Frequently Asked Questions

Do the big insurance companies cover mobile homes in South Carolina? Many national carriers decline manufactured and mobile homes, but specialty carriers write them every day. An independent agent can shop your home across those markets — so even if a big-name company said no, coverage is very likely still available.

What's the difference between mobile, manufactured, and modular homes? A mobile home was built before June 1976 (pre-HUD code), a manufactured home was built after that date under the federal HUD code, and a modular home is factory-built but assembled to local building codes on a permanent foundation. Modular homes are often insured much like site-built houses; mobile and manufactured homes use a specialty policy.

Does mobile home insurance pay replacement cost or actual cash value? It depends on the policy. Many manufactured home policies pay Actual Cash Value (depreciated value), which can fall short after a total loss. Where available, replacement cost or stated-value coverage pays to rebuild or replace and protects you far better. Always confirm which basis your policy uses.

Is mobile home insurance required in South Carolina? The state doesn't require you to insure a home you own outright, but a lender will require it if you have a loan, and a land-lease community often requires liability coverage. It's strongly recommended regardless.

How much does manufactured home insurance cost in South Carolina? It varies with the home's age, size, location, coverage basis, and wind exposure, but it's often more affordable than people expect. The only way to get your exact price is a quote.

Does mobile home insurance cover flood? No. Like all home policies in South Carolina, manufactured home insurance excludes flood. Because many manufactured homes sit in rural or low-lying areas, a separate flood policy is worth considering.

If you own a manufactured or mobile home in South Carolina, you may have run into this: you call a big-name insurance company, you tell them what you have, and you get some version of "we don't...

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