Home Insurance in Summerville, SC | The Farnsworth Family Agency

Protecting Your Lowcountry Home and Everything Inside It

Your home is more than just a building. It is the place where your family grows, where your most cherished memories are made, and where you should always feel most secure. At The Farnsworth Family Agency, we understand the specific needs of homeowners in Summerville and throughout South Carolina. Our local team is here to help you safeguard your haven with home insurance solutions designed for your unique lifestyle.

As the winner of the Best Insurance Agency in the 2025 Lowcountry Parent Mom’s Choice Awards, we take pride in being a trusted part of the Summerville community.

Our Summerville Home Insurance Offerings

Dwelling Coverage Protect the physical structure of your home from local risks like fire, severe storms, and other covered perils. Our dwelling coverage is designed to ensure you have the resources to rebuild or repair your home if a covered loss occurs.

Personal Property Protection Your belongings make your house a home. Whether it is your furniture, electronics, or family heirlooms, we provide coverage to replace or repair your possessions if they are damaged or stolen in a covered incident.

Liability Insurance We help defend your financial well-being. Liability insurance provides a safety net if someone is injured on your property or if you accidentally cause damage to someone else’s property.

Additional Living Expenses Coverage If a covered loss makes your home uninhabitable, we want to make sure your life keeps moving forward. This coverage helps pay for temporary housing, meals, and other necessary expenses while your home is being repaired.

Discounts and Savings for South Carolina Homeowners We look for every opportunity to make your coverage more cost effective. From home safety features and security systems to bundling your auto and home policies, we strive to provide the protection you need at a price that fits your family budget.

Earthquake Insurance: Essential Protection for South Carolina

In South Carolina, a standard homeowners insurance policy typically does not include coverage for earthquake damage. Because our state experiences between 10 and 15 earthquakes every year, many of which are felt right here in the Lowcountry, it is important to consider this additional layer of protection.

To protect your home against seismic events, you generally have two options:

1. Earthquake Endorsement: This is an add-on to your existing homeowners policy that specifically covers earthquake related damages.

2. Standalone Earthquake Policy: This is a separate policy dedicated entirely to covering losses resulting from an earthquake.

Earthquake insurance usually includes a deductible ranging from 10% to 20% of the coverage limit. For example, if your home is insured for $200,000, a 10% deductible would be $20,000. Given the seismic history of our region, we recommend discussing these options with us to ensure your property is fully protected.

Why Choose The Farnsworth Family Agency for Your Home Insurance?

Local Summerville Expertise We are a family owned agency deeply rooted in the Summerville community. We live and work here, which means we understand the unique challenges of the South Carolina insurance market. You are not just a policy number to us; you are our neighbor.

A Human Approach to Insurance We believe in personalized service. Our team takes the time to listen and learn about your specific needs. We focus on building lasting relationships with our customers by providing honest advice and clear communication.

Fastest Growing and Highly Respected We are proud to be one of the fastest growing and most respected agencies in the state. Our growth is a direct result of our commitment to doing what is right for the families we serve.

Get a Personalized Home Insurance Quote Today

Are you ready to protect your home sweet home? Contact The Farnsworth Family Agency today for a personalized quote. Discover the difference of working with a local partner who is dedicated to securing your home and the memories inside it.

Call or Text us at (843) 821-4870 Located in Summerville, SC | Serving all of South Carolina