Skip to content
Click to Call
Hardee Insurance Group

3590 West US Highway 501
Conway, SC 29526

Get Directions

The Homeowner’s Roadmap: Understanding Home Insurance in Conway, SC

Home insurance can feel complex and confusing, particularly for new homeowners. However, at Hardee Insurance Group, Inc., we empathize with this and strive to make this pivotal aspect of homeownership as understandable as possible. Here’s a roadmap to understanding home insurance in Conway, SC.

Why Do I Need Home Insurance?

Your home is likely the most significant investment you’ll ever make. A home insurance policy protects your property, belongings, and personal liability. It also ensures you have the financial support to repair, rebuild, or replace your property in the event of loss or damage caused by covered events.

What Will It Cover?

While specific coverage can vary from policy to policy, most home insurance plans cover your dwelling, other structures (like fences and sheds), personal property, and any expenses incurred if you are legally liable for injury or property damage. Many policies also cover costs if your home becomes uninhabitable due to covered losses.

Will It Cover Natural Disasters?

This depends on the type of disaster — while most home insurance policies in Conway, SC, cover damage from perils like windstorms and lightning, they typically do not cover flood damage. Given our location, it’s worth looking into supplementary flood insurance.

How Much Coverage Do I Need?

Your coverage should ideally account for the cost to rebuild your home and replace your belongings in case they are destroyed totally. Ensure you also consider medical payments coverage and keep it in line with your personal risk tolerance.

How Can I Lower Premiums?

Higher deductibles typically lead to lower premiums but ensure you can afford the deductible amount. You might also qualify for discounts if you bundle your home and auto insurance with the same company, or if you have security systems or smoke detectors installed.


Understanding your home insurance policy is critical to ensuring you have the proper coverage to safeguard your investment. This roadmap should help you make sense of home insurance in Conway, SC. Still have questions or particular concerns? Our experienced team at Hardee Insurance Group, Inc., is ready to assist you.



  • Foremost
  • Guard
  • Liberty Mutual
  • Main Street America
  • Openly
  • Progressive
  • SafeCo
  • Sage Sure
  • Towerhill
  • Travelers

quote-icon Comparing Quotes - Made Simple

Compare your unique insurance quotes
online via our comparative quoting form.

Get Started Today!

Get A Quote!