Covertree’s Comprehensive Guide.

Protect Your Manufactured Home in Red Hill, SC

Disclaimer: Data Accuracy and Sources
The data in the Covertree Resources section is from publicly available sources last updated in December 2022. We provide source links for verification. However, we can’t guarantee accuracy. Rely on this data at your own discretion. For specific advice, consult professionals.

A Guide to Mobile Home Insurance in Red Hill, SC : Costs, Coverage, and Considerations

Welcome to Red Hill, South Carolina – a delightful community where the serene charm of the countryside meets the warmth of a close-knit community. Tucked away in the scenic landscapes of the Palmetto State, Red Hill offers a peaceful retreat with its lush greenery, tranquil setting, and a friendly atmosphere that embodies Southern hospitality.

As you explore Red Hill, you’ll be captivated by its natural beauty. The area is surrounded by picturesque landscapes, including rolling hills, verdant fields, and pristine waterways, offering residents and visitors a chance to connect with nature and enjoy outdoor activities like hiking, fishing, and boating.

Despite its small size, Red Hill boasts a strong sense of community. Local events and gatherings are a cornerstone of life here, where neighbors come together to celebrate, share, and enjoy the simple pleasures of community living. From local farmers’ markets to community festivals, these events showcase the tight-knit nature of Red Hill’s residents.

The culinary experience in Red Hill reflects the region’s agricultural roots and Southern heritage. Local diners and eateries serve hearty, comforting dishes made with fresh, locally sourced ingredients, offering a taste of authentic Southern cuisine.

Education and community involvement are important in Red Hill. The area’s schools are known for their commitment to providing quality education, fostering a sense of pride and achievement among students and parents alike. The community’s engagement in local schools and civic initiatives underscores its dedication to nurturing a supportive and thriving environment.

In Red Hill, South Carolina, every tree-lined road, peaceful field, and friendly gathering tells a story of a community that cherishes its rural charm, values its connections, and offers a welcoming atmosphere to all who visit or call it home. Welcome to Red Hill, where the beauty of the South Carolina countryside and the warmth of a small-town community create a perfect backdrop for a peaceful and fulfilling lifestyle.

Understanding Mobile Home Insurance in South Carolina

South Carolina law, under Title 38 - Insurance, specifically addresses mobile home and manufactured home insurance in several key sections. These laws dictate that mobile home insurance policies cannot exceed three years in duration and must offer full refunds of unearned premiums if the policy is canceled.

Understanding Mobile Home Insurance in South Carolina

The law also:

Restricts the amount of insurance that can be written, ensuring it does not exceed the property’s value.
Mandates that information about these insurance requirements must be clearly stated in mobile home purchase contracts.
Specifies that insurers cannot force policyholders to buy insurance from a particular company or agent, preserving the buyer’s freedom to choose their insurer.
Aims to protect mobile home owners and ensure fair and transparent insurance practices.

In addition to the regulations on policy duration and refunds, South Carolina law also includes:

Provisions ensuring fair and reasonable insurance practices for mobile homes.
For instance, policies must clearly state the maximum amounts for which they can be written, aligning with the property’s actual value, to prevent over-insurance.
In cases of total loss, the insured is entitled to recover the full insurance amount, while in partial losses, they are only entitled to the actual loss amount, not exceeding the policy’s limit.
Regulations regarding the distribution of unearned premiums in the event of a policy cancellation, ensuring that any unearned portion is refunded fully or applied appropriately.
These measures are in place to protect mobile home owners from unfair insurance practices and financial losses, providing a level of security and clarity in their insurance coverage.

Do I Need Mobile Home Insurance in South Carolina?

Opting for mobile home insurance, although not legally mandatory, is a prudent choice, especially if you're considering a mortgage on your mobile home. Given the average value of a mobile home is at around $83,000, securing insurance is a strategic move to safeguard your home and personal property. Despite the potential expense, the lack of insurance exposes you to significant financial risks in the event of damage or loss.

Do I Need Mobile Home Insurance in South Carolina?

Coverage Options for Mobile Home Insurance in Alabama

Cost of Mobile Home Insurance in SC

Approximately $100 per month for a $50,000 policy, translating to about $1,200 annually.

Mobile Home Value: More expensive homes may have higher insurance costs.
Location: Areas prone to natural disasters or high crime rates might see increased rates.
Age of Mobile Home: Older homes might incur higher insurance costs due to increased risk of damage.
Coverage Limits and Deductibles: Choosing higher coverage limits or lower deductibles can increase premiums, while opting for basic coverage with higher deductibles may reduce the cost.

Online quotes or consulting an independent insurance agent can help in finding the best rates.

Coverage Details

Covers accidental damage to the mobile home and other structures (like decks or outbuildings) due to events like theft, fire, vandalism, wind, or hail.

It’s important to note that standard policies often do not cover flood damage. Additional coverage may be necessary for natural disaster-prone areas.

Protects personal belongings against theft or damage, subject to a deductible.

Covers legal responsibilities if someone is injured on your property. This includes legal defense fees and damages up to the coverage limit.

Includes coverage for structures not permanently attached to the home.

Reimburses additional living costs if the mobile home is uninhabitable due to a covered loss, such as temporary accommodation costs.

Additional Considerations

In summary, while mobile home insurance is not legally mandated, it offers significant financial protection against a range of potential risks and damages. The cost can vary based on several factors, and it's important to thoroughly understand what is covered under your policy, especially for specific risks like natural disasters.

Policies can often be tailored to individual needs by adjusting coverage limits.

For those in high-risk zones, it’s crucial to consider additional coverage for risks like floods, earthquakes, and wildfires.

It’s beneficial to compare different insurance providers and policies to ensure you get the best coverage for your needs and budget.

Understanding Coverage Exclusions in Mobile Home Insurance

Mobile home insurance, much like standard homeowners policies, comes with certain exclusions. It's important to be aware of these to understand the extent of your coverage. Common exclusions typically include:

Damage due to sewer line issues.

Destruction caused by seismic activities.

Water damage from flooding events.

Damages occurring while the home is being moved.

Look for 24/7 customer support and skilled claims teams from insurers. Discounts may be available for safe drivers, original owners, and multi-policy bundles.

Regular upkeep and maintenance issues.

Damages from pests or infestations.

General wear and tear over time.

Issues related to running a business from the home.

Mold damage, except when resulting from a peril included in your policy.

Exploring Additional Insurance Options

For the above exclusions, you may have the option to purchase additional, separate insurance policies. It’s advisable to consult with an insurance agent to discuss available options and ensure comprehensive coverage for your mobile home. This proactive approach can help fill any gaps in your standard policy and provide peace of mind.

Exploring Additional Insurance Options

Understanding Hazard Insurance on Mobile Homes in South Carolina

Hazard insurance for mobile homes is a specific type of insurance policy designed to protect homeowners from various risks and damages specifically related to mobile homes. This insurance typically covers losses from events like fires, storms, theft, and other hazards that can cause physical damage to a mobile home. In South Carolina, certain regulations and provisions under the state law govern the issuance, duration, and terms of these policies, ensuring fair practices and protection for mobile home owners. Here's a detailed look at the key aspects of Hazard Insurance on Mobile Homes as outlined in Article 3 of the South Carolina Code of Laws:

Understanding Hazard Insurance on Mobile Homes in South Carolina

Hazard insurance policies for mobile homes in South Carolina are limited to a maximum term of three years.
If a policy is canceled, premiums for the unused term are considered unearned and must be fully refunded, whether the cancellation is initiated by the insurer or the insured.
Refund policies vary depending on the timing of the cancellation relative to the policy term.

Insurers cannot issue a policy for a value exceeding the mobile home’s stated value or actual property value.
The insurance amount must be agreed upon between the insurer and the insured at or before issuing the policy.
In the event of a total loss due to an insured hazard, the insured is entitled to the full insurance amount. For partial losses, the payout is the actual loss amount, up to the insured value.
Policies on the same property are considered contributive, and insurers share liability proportionately if the total insurance exceeds the home’s insurable value.

Contracts for purchasing a mobile home must include provisions of SECTION 38-75-210.
The contract must inform buyers that it is illegal in South Carolina for a mobile home seller or a lender to require the buyer to purchase hazard insurance from a specific insurer or agent. This section also provides information on where to report violations of this law.

These regulations ensure that mobile home owners in South Carolina are adequately protected and informed about their rights and obligations regarding hazard insurance.

Overview of Wind and Hail Insurance in South Carolina

Wind and Hail Insurance is a specific type of property insurance in South Carolina, focusing on covering losses due to windstorms and hail, particularly in the state's coastal areas. This insurance is crucial for homeowners and property owners in regions prone to such natural hazards. The following are key sections from the South Carolina Code of Laws that detail the regulations and structures governing Wind and Hail Insurance:

Overview of Wind and Hail Insurance in South Carolina

Essential Property Insurance: Coverage against direct loss to property defined in the wind and hail insurance policy. It may include business income loss, additional living expense, or fair rental value loss.
Association: Refers to the South Carolina Wind and Hail Underwriting Association.
Plan of Operation: The operational plan of the association, as approved by the department.
Insurable Property: Immovable or tangible personal property in specific coastal areas, subject to certain conditions and standards.
Coastal Area: Defined regions in South Carolina’s counties like Beaufort, Colleton, Georgetown, Horry, and Charleston, among others.

The article aims to ensure a sufficient market for wind and hail insurance in South Carolina’s coastal areas.

Creation of the association, comprising private insurers authorized to write property insurance in the state, to provide wind and hail insurance in coastal areas.

Details the administrative structure of the association, including board composition, management, underwriting standards, rates, and procedures for processing insurance applications.

Procedure for applying for coverage, conditions for issuing policies, and the appeal process for denied applications.

The association’s authority and responsibilities, including issuing policies, reinsurance activities, property management, contracting, and financial transactions.

These sections collectively establish the framework for providing wind and hail insurance in South Carolina's coastal areas, ensuring adequate protection for properties against these specific natural hazards.

Learn About The South Carolina Wind and Hail Underwriting Association (SCWHUA)

also known as the Wind Pool, plays a crucial role in providing wind and hail insurance coverage in the coastal areas of South Carolina, particularly for those who cannot obtain such coverage through the standard insurance market. Here's an overview of key aspects of the SCWHUA:

Purpose: SCWHUA was established to ensure the availability of wind and hail insurance for home and business owners in coastal areas, particularly those close to the coastline where standard insurance is often unavailable.
Territory Covered: The coverage is specifically for the coastal areas designated by the South Carolina Legislature as “Beach.”

Board of Directors: The Association is governed by a Board comprising 11 insurance company representatives, 2 coastal insurance agents, and 4 consumer representatives.
Eligibility: Coverage is available to almost anyone in the designated coastal area of South Carolina. The Association is considered a market of last resort, and it is recommended to seek insurance in the standard market first.

Process: In the event of a loss, insured parties should promptly contact their insurance producer and provide a list of damaged or destroyed items. Protection against both wind and water damage, including storm surges and high tides, is emphasized.
Flood Insurance: Policyholders are advised to discuss flood insurance with their agents, as it’s a separate consideration.

Encouraged Practice: Consumers are urged to compare insurance options before opting for a policy through the Association. If a better option is found, policyholders can cancel their Association policy without penalty.

Agents: All business must be handled by an independent agent chosen by the consumer. Producers, who are licensed by the South Carolina Department of Insurance, can submit applications but have no authority to make decisions on behalf of the Association.
Coverages: The Association offers a limited peril policy for wind and hail damage. Coverage limits for personal and commercial risks are up to $1.3 million and $2.5 million, respectively. Policies are written annually.

Requirements: Properties must meet specific standards to be eligible for coverage, including condition and location criteria, adherence to building codes, and lawful use.

New Policies: Coverage begins 16 days after the online submission of a completed application.
Renewals: For continued coverage, a new application and premium payment are required annually. Rewrite policies must be submitted online within 7 days of policy expiration.

Cancellation, Non Renewal, and Renewal of Property Insurance and Casualty Insurance (SECTIONS 38-75-710 to 38-75-790)

These sections collectively provide a regulatory framework ensuring fair practices in the insurance industry, especially concerning policy renewals and cancellations, while also promoting risk mitigation and public awareness about insurance options and rights.

These sections define terms like renewal, nonrenewal, and cancellation, and clarify the scope of the article, which covers all property and casualty insurance except automobile insurance.

Insurers are restricted in how they can cancel or non renew policies. Specific reasons for cancellation are outlined, and insurers are required to provide adequate notice to policyholders.

Details the procedures for non renewing policies, including notice requirements and stated reasons for nonrenewal.

Insurers must provide renewal terms and premium information in a timely manner.

Insurers must inform policyholders about potential discounts for windstorm mitigation measures and other relevant policy details.

It’s unlawful to cancel, nonrenew, or renew policies in a manner not compliant with these regulations.

Specific provisions for medical malpractice policies for licensed health care providers.

Exemptions from liability for actions taken in performance of duties under this article.

Insurers cannot nonrenew homeowners’ policies simply because the insured filed a claim for damages resulting from an act of God.

RV Insurance Facts in SC:

South Carolina: A Haven for RV Travelers

With destinations ranging from the picturesque Myrtle Beach to the wilderness of Congaree National Park, South Carolina is a prime spot for RV travel. An RV not only offers a cost-effective alternative to traditional travel but also enriches the experience with its flexibility. However, prior to journeying through the Palmetto State, it's vital to grasp the essentials of RV insurance in this region.

Legal Requirements for RV Insurance in South Carolina

1) Drivable RVs must have bodily injury liability, property damage liability, and uninsured motorist coverage.

2) If your RV is financed, lenders may require comprehensive and collision coverage.

Key Components of RV Insurance in South Carolina

RV insurance in the state encompasses a variety of protections, extending to your vehicle, other properties, and individuals involved in accidents. Understanding these components ensures comprehensive coverage:

Bodily Injury Liability: Essential for all drivable RVs, this coverage handles medical expenses of others in accidents where you’re liable. South Carolina mandates a minimum coverage of $25,000 per person and $50,000 per accident.
Property Damage Liability: This coverage, also compulsory, caters to damages you cause to others’ property during accidents, with a statutory minimum of $25,000 per incident.

Uninsured/Underinsured Motorist Coverage: Protects you against damages caused by uninsured drivers, with mandated limits akin to bodily injury liability.
Collision Coverage: Irrespective of fault, this option covers damages to your RV in accidents.
Comprehensive Coverage: This broad coverage includes non-collision-related damages like theft, natural disasters, and vandalism.
Medical Payments Coverage: Addresses medical expenses for injuries within your RV, beneficial regardless of fault.
Personal Effects Replacement: Aids in replacing personal belongings damaged, destroyed, or stolen from your RV.
Total Loss Replacement: Particularly useful for newer RVs, offering replacement or reimbursement post-totaling.
Roadside Assistance and Towing & Labor: Provides aid during mechanical breakdowns, especially vital for drivable RVs.
Vacation Liability Coverage: Offers protection against liabilities when your RV is parked at campsites.

Choosing the Right Mobile Home Insurance for Red Hill, SC

Weather & Environmental Risks:

Remember to regularly check local weather forecasts and follow any official advisories or warnings in order to stay informed and prepared for potential weather risks in Red Hill SC.

Red Hill SC is located in a low-lying area near a river, making it susceptible to floods.
Between 1996-2019, the area has experienced the following:
- 34 floods causing $13,442,529 in property damage.
Tips for mobile homeowners and RV owners in Red Hill SC:
- Park your RV or mobile home on an elevated area to reduce the risk of flooding.
- Purchase flood insurance to protect your property.
- Keep important documents, valuables, and electronics in waterproof containers or elevated areas.

Red Hill SC is prone to severe storms, which can cause property damage and power outages.
Between 1996-2019, the area has experienced the following:
- 14 severe storms causing $213,432 in property damage.
Tips for mobile homeowners and RV owners in Red Hill SC:
- Trim trees and remove dead branches near your mobile home or RV to reduce the risk of tree damage during storms.
- Secure any loose outdoor items, such as patio furniture or decorations, to prevent them from being blown away.
- Have an emergency kit ready with essential supplies in case of a prolonged power outage.

Ensure that your RV or mobile home is well-insulated to keep it cool during hot summer months.
Use window shades or awnings to block out direct sunlight during the hottest times of the day.
Stay hydrated and limit outdoor activities during peak heat hours to avoid heat-related illnesses.
Consider installing shade structures or planting trees around your mobile home or RV to provide natural cooling.

Crime Rates:

Research aggregate crime statistics in two categories: violent crimes and property-related crimes
Red Hill, SC has a significantly higher rate of violent crime and property crime than the national average
The violent crime rate in Red Hill is 29.3, which is 6 points higher than the US average of 22.7.
The property crime rate in Red Hill is 57.1, which is 21.7 points higher than the US average of 35.4.
The city of Red Hill, South Carolina does not have FBI Crime Statistics. The closest similar sized city with FBI crime data is the city of [no city found].
Crime rates are ranked on a scale of 1 (low crime) to 100 (high crime)
Red Hill violent crime rate is 29.3, which is higher than the US average.
Red Hill property crime rate is 57.1, which is also higher than the US average.

Property crime is a category of crime that includes theft, burglary, and motor vehicle theft.
In Red Hill, SC, the property crime rate is 57.1, which is higher than the US average of 35.4.
Tips for mobile homeowners and RV owners in Red Hill, SC should include securing their property with locks, alarms and surveillance cameras. Also, parking their RVs and mobile homes at secure places or making use of RV parks where security is provided.

Violent crime is a category of crime that includes murder, rape, robbery, and aggravated assault.
In Red Hill, SC, the violent crime rate is 29.3, which is higher than the US average of 22.7.
Tips for mobile homeowners and RV owners in Red Hill, SC should include avoiding high-risk areas especially at night, being aware of their surroundings, familiarizing themselves with local emergency services and self-defense mechanisms.

Crime is ranked on a scale of 1 (low crime) to 100 (high crime)
Red Hill violent crime is 29.3. (The US average is 22.7)
Red Hill property crime is 57.1. (The US average is 35.4)

Additional Tips:

Accessibility Modifications

Consider modifications for accessibility if you or a family member has mobility challenges.

Mail and Package Delivery Services

Know the mail and package delivery practices in your community, especially in more remote mobile home parks.

Renters Insurance

If renting, consider purchasing renters insurance to protect your personal property.

Flood Insurance

Given the flood risks in some parts of South Carolina, check if you need flood insurance, which is not typically covered in standard policies.

Community Rules Compliance

Always comply with the rules of your manufactured home community or RV park, including guidelines on exterior modifications, pet ownership, and guest policies.

Secure Outdoor Items

In storm-prone areas, ensure outdoor items like furniture and decorations are secured or can be quickly moved to prevent damage.

South Carolina Home Facts

In South Carolina, with a population exceeding 4.7 million, the typical sales price for a standard home is around $225,000. In contrast, modular homes in the state are more budget-friendly, averaging between $50 to $70 per square foot. This puts the average cost of a modular home at about $108,000, presenting a cost-effective option for those looking to buy a home in South Carolina. However, it’s important to note that in urban areas like Columbia and Charleston, prices can be higher due to more expensive land and site development costs.

In SC, around 20% of South Carolina families, equating to over 355,000 households, reside in manufactured homes. This choice is popular due to the state’s vast agricultural lands and appealing coastline, ideal for both farming and family living. Some interesting aspects of mobile home living in South Carolina include:

Mobile Homes in SC – Did You Know?

Here are 10 facts about mobile/manufactured homes and RVs in South Carolina:

High Prevalence: South Carolina has one of the highest rates of mobile homes per capita in the United States, with these homes comprising over 20% of the state’s housing units.
Affordability: Mobile homes offer an affordable housing alternative in South Carolina, with prices significantly lower than conventional homes.
Distribution: Mobile homes are found in nearly every ZIP code across South Carolina, reflecting their widespread popularity.
Construction and Classification: Mobile homes are typically factory-built and transported to their location, whereas modular homes, also prevalent in the state, are assembled on-site and often categorized similarly to traditional homes by insurance companies.
Susceptibility to Weather: Due to their construction, mobile homes in South Carolina are particularly vulnerable to damage from the state’s frequent strong winds, heavy rains, and hurricanes.
Installation Regulations: South Carolina has specific regulations (S.C. Code Regs. § 79-42) governing the installation of manufactured homes, focusing on safety and durability.
RV Popularity: Recreational Vehicles (RVs) are popular in South Carolina, especially in coastal areas and near tourist destinations like Myrtle Beach, due to the state’s scenic beauty and mild climate.
RV Parks and Campgrounds: The state boasts numerous RV parks and campgrounds, catering to both short-term vacationers and long-term residents.
Insurance Considerations: Insurance for mobile homes and RVs in South Carolina is crucial due to the high risk of natural disasters. Standard policies typically cover a range of perils but may exclude specific events like floods and earthquakes.
Economic Impact: The mobile home and RV industries contribute significantly to South Carolina’s economy, not just in sales and manufacturing but also through tourism, parks, and associated services.

These facts highlight the significance of mobile/manufactured homes and RVs in South Carolina’s housing landscape and economy, as well as the unique challenges and opportunities they present.

Manufactured Housing Institute of South Carolina

The Manufactured Housing Institute of South Carolina (MHISC)- is a non-profit business association representing the manufactured and modular housing industries in South Carolina. Founded in 1967, the member-run organization aims to maximize opportunities for South Carolinians to enjoy the benefits of factory-built homes.

MHISC’s mission is to create a regulatory climate at the state and local level that allows the industry to thrive. They work towards favorable laws benefiting member companies and create marketing opportunities within the industry and with future customers.

The association operates two divisions: the Manufactured Housing Institute of SC and the SC Modular Housing Institute. MHISC is an active member of the National Manufactured Housing Institute in Washington and the National Modular Housing Council. They have six local chapters: Charleston, Grand Strand, Midlands, Low Country, Pee Dee, and Upstate Chapters.

The staff at MHISC has years of experience in association management, marketing, media relations, membership services, political development, local government planning, and business management. They are dedicated to providing excellent service to members and educating the public and state and local policy-makers about the benefits of manufactured homes.

For more information on membership, resources, and other inquiries, visit the MHISC website.

Disclaimer: The information provided here regarding mobile and manufactured homes in South Carolina, including pricing, statistics, and community details, is intended for general informational purposes only. It is based on data and estimates that may vary and is subject to change over time. This information should not be used as a sole basis for making financial, investment, or any other decisions. Actual prices and conditions can differ based on specific locations, market changes, and other factors. It is advisable to conduct thorough research and consult with real estate professionals or other relevant experts for current and detailed insights before making any property-related decisions.

Know Your Rights:

Finding the Best Mobile Home Insurance in Red Hill, SC

It’s essential to compare quotes from various insurance providers and work with local agencies that understand Red Hill’s specific risks.

These are some things you should look out for in an insurance plan for Red Hill:

Location

Red Hill, SC is a community where property crime rates may vary. It is recommended to research local crime statistics and consult with insurance providers to understand the specific risks in the area.
Property crimes can include burglaries, thefts, and vandalism. Taking precautions to secure your property, such as installing security systems and keeping doors and windows locked, is important.

Weather Specific Insurance Needs in Red Hill, SC

Red Hill, SC is subject to various weather conditions that may require specific insurance coverage, including:
- Windstorm or hail insurance: Due to the potential risks of severe storms or hail in the area, it is advisable to consider insurance coverage that protects against damage caused by wind or hail.
- Flood insurance: Red Hill is located near bodies of water and may be at risk of flooding. Considering flood insurance is essential to protect against potential flood-related damages to your property.

Endorsements or Insurance Additions for Mobile & Manufactured Home Owners or Renters in Red Hill, SC

Replacement Cost Coverage: This endorsement ensures that in case of a covered loss, your mobile or manufactured home will be replaced at its current market value, rather than its depreciated value.
Trip Collision Coverage: This addition provides coverage for collisions that may occur while transporting your mobile or manufactured home from one location to another.

Endorsements or Insurance Additions for RV Owners in Red Hill, SC

Total Loss Replacement: This endorsement ensures that in the event of a total loss of your RV, the insurance policy will cover the cost of replacing it with a brand new RV of similar kind and quality.
Vacation Liability Coverage: This addition provides coverage for bodily injury or property damage that may occur when using your RV as a temporary residence or vacation accommodation.

Remember to consult with insurance providers to determine the specific endorsements or additions that may be relevant to your individual circumstances and to ensure you have adequate coverage for your mobile home, manufactured home, or RV in Red Hill, SC.