We have found that getting homeowners through an independent agent has yielded the best rates. Try Field Insurance and/or Massey Insurance. Wind and hail are pretty standard in policies but usually have a separate/higher deductible.
We find the best rates for our car insurance online. My parents had State Farm car insurance and I thought their rates were pretty high but, of course, my parents were in their 80s and afraid to change insurance carriers after having a couple of minor fender benders.
As far a flood insurance goes, it doesn't matter who you buy from...it's a federal program and rates are the same no matter who you buy from. You might check the latest flood maps to see where the house is located before spending the money on flood insurance.
https://www.horrycounty.org/Online-S...EMA-Flood-Maps . We bought it when we first moved down here even though we are not in a flood plain but the rates have almost doubled so we dropped it after Florence caused no problems in our area.
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