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Dwelling Insurance in South Carolina

If you own a property that isn’t your primary residence—such as a second home, seasonal property, or rental unit—you need protection that you primary homeowners policy may not provide. Dwelling insurance helps cover the structure itself, along with certain liability risks, even if the property is vacant or leased.


Hutson-Etherredge Companies offers dwelling insurance for property owners across South Carolina who need coverage for homes that are not owner-occupied year-round.

What Does This Insurance Cover?

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Structural damage
Insures the physical structure of your home from potential risks like fire, storms, or vandalism.

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Detached structures
Insures garages, sheds, fences, and other buildings on the property not connected to the main dwelling.

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Liability protection
Covers legal expenses and medical bills if someone is injured on the property and you’re held responsible.

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Loss of rental income
Reimburses you for lost rental income if a covered event makes the home temporarily uninhabitable.

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Vandalism and theft
Offers protection against property damage or loss caused by break-ins or intentional acts.

Why You Need It

Standard homeowners insurance may not apply

Homes that are vacant, rented, or used seasonally may require different coverage than owner-occupied properties.

Protects your investment

Dwelling insurance helps cover costly repairs and legal claims that could otherwise come out of your pocket.

Required by lenders and lease agreements

Mortgage lenders and lease contracts often require proof of dwelling coverage for non-owner-occupied homes.

  • What’s the difference between homeowners and dwelling insurance?

    Homeowners insurance is for primary residences and includes coverage for personal belongings. Dwelling insurance focuses on the structure and liability for non-primary homes.







  • Can I get coverage if the property is vacant?

    Yes. Policies are available for vacant properties, though terms and pricing may vary based on the length and condition of vacancy.







  • Does this policy cover tenant belongings?

    No. Tenants should carry renters insurance to protect their own personal property.





Get a Quote for Dwelling Insurance

Whether you’re renting out a second home or keeping a property vacant for future use, dwelling insurance helps you stay protected. Contact Hutson-Etherredge Companies to learn more about the coverage that fits your situation.



Call us today at  803-649-5141 or click below to request your free quote.