• 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.

• 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.

• At 36 crimes per 1,000 residents, Rock Hill has one of the highest crime rates in America compared to all communities of all sizes.
• The chance of becoming a victim of either violent or property crime in Rock Hill is one in 28.
• In South Carolina, more than 73% of the communities have a lower crime rate than Rock Hill.
• When comparing Rock Hill to other communities of similar population, its crime rate per thousand residents stands out as higher than most.

• A lot of the crime that takes place in Rock Hill is property crime.
• Property crimes tracked include burglary, larceny over fifty dollars, motor vehicle theft, and arson.
• Your chance of becoming a victim of a property crime in Rock Hill is one in 34, which is a rate of 30 per one thousand population.

• Stay aware of your surroundings and stay alert, especially in areas with higher crime rates.
• Be cautious about leaving valuables visible in your car or home to avoid becoming a victim of property crime.
• Consider investing in residential security measures such as alarms or security cameras to deter criminal activity.