Home Insurance in Lexington, SC
We're a local, independent agency in Lexington. We shop your homeowners insurance with multiple carriers, check that your coverage would actually rebuild your house, and explain the fine print before you sign. No pressure and no cost to compare.
You can also text us at 803-920-8827. Buying a home? We can usually have a policy ready for your closing.
Why Lexington homeowners use an independent agent
More than one price
Home insurance prices in South Carolina vary a lot from company to company. We quote several so you see the real range.
Coverage that fits the house
We check your dwelling limit against today's rebuilding costs so you aren't underinsured after a fire or storm.
Help with hard-to-place homes
Older roofs, prior claims, lake homes and non-renewals. We know which carriers will say yes.
What a good homeowners policy covers
- Dwelling: repairs or rebuilds the house itself.
- Other structures: fences, sheds, detached garages and docks.
- Personal property: furniture, electronics and clothes, ideally at replacement cost.
- Loss of use: pays for a place to stay while your home is repaired.
- Personal liability: protects you if someone is hurt on your property.
Flood is never included in a standard homeowners policy. It needs its own policy, even outside a mapped flood zone.
South Carolina details that matter
HO-3 vs HO-5
An HO-5 covers your belongings more broadly. We'll show you the price difference so you can decide if it's worth it.
Wind and hail deductibles
Many SC policies have a separate percentage deductible for wind and hail. A 2% deductible on a $400,000 home is $8,000. We make sure you know yours.
Roof age
Older roofs can mean higher rates, depreciated roof claims or trouble finding coverage. We'll explain your options.
Non-renewed?
If your company dropped you, don't panic. We shop other carriers and the SC Wind and Hail Underwriting Association when needed.
Lake Murray homes
Waterfront homes, docks and boat lifts need the right coverage. We insure the house and the boat together.
New construction
New homes in Lexington and the Midlands often qualify for good rates. We'll get you covered before closing.
More property coverage we write
- Condo (HO-6) and townhome insurance
- Landlord and rental property insurance (DP-3), including short-term rentals
- Mobile and manufactured home insurance
- Renters insurance
- Flood insurance, both NFIP and private
- Umbrella insurance for extra liability protection
Serving Lexington and the Midlands
We insure homes in Lexington, Red Bank, Gilbert, Pelion, Batesburg-Leesville, Chapin, Irmo, West Columbia, Cayce, Columbia, Blythewood and all around Lake Murray. We're licensed statewide, so we can help anywhere in South Carolina.
Ready to compare?
Call or text Ben at 803-920-8827, email ben@mauldininsurancegroup.com, or start a free quote online. If you have your current declarations page, send it along and we can compare apples to apples.
Home insurance questions we hear a lot
Is homeowners insurance required in South Carolina?
State law doesn't require it, but your mortgage lender almost always does. Even without a mortgage, your home is likely your biggest asset, so going without is a big risk.
How much home insurance do I need?
Enough to rebuild your house at today's construction costs, which is often different from what you paid for it or its market value. We'll help you set the right dwelling limit.
Does homeowners insurance cover flooding?
No. Flood needs a separate policy. Many flood claims in the Midlands come from homes outside high-risk flood zones, so it's worth a quote.
Why is home insurance getting more expensive in South Carolina?
Storm losses and higher building costs have pushed rates up across the state. Shopping multiple carriers is the best way to keep your price in check.
My insurance company is non-renewing me. What do I do?
Call us as soon as you get the notice. We'll shop carriers that are still writing in your area so you don't have a gap in coverage.
