Protect your home with comprehensive homeowners insurance from Total Quality Insurance. We compare quotes from 30+ top-rated carriers to find South Carolina and Georgia homeowners the best coverage at affordable rates. From Aiken to Atlanta, our veteran-owned agency has you covered.
Every homeowners policy includes four core coverage types. Understanding them helps you choose the right limits for your family.
Protects your home's physical structure — walls, roof, foundation, built-in appliances, and attached structures like garages. Covers repair or rebuild costs from covered perils. Recommended at 100% of replacement cost.
Covers your belongings — furniture, electronics, clothing, and more — whether damaged at home or anywhere in the world. Standard policies cover 50-70% of your dwelling limit. High-value items may need scheduled coverage.
Covers legal costs and damages if someone is injured on your property or you accidentally damage someone else's property. Standard coverage starts at $100,000 but $300,000-$500,000 is recommended.
Pays for temporary housing, meals, and other costs if your home becomes uninhabitable after a covered loss. Covers the difference between your normal living costs and temporary expenses.
Rates vary significantly by location. Here's what homeowners typically pay in our service areas:
Different loan types have different insurance requirements. We help you meet them all.
Get answers to the most common homeowners insurance questions.
Get a free quote from 30+ carriers. No obligation, no pressure.