South Carolina offers a tax credit to offset expenses for property or casualty insurance paid during 2016. If your premiums paid were in excess of 5% of your adjusted gross income (AGI), you may be able to claim up to $1250 as a tax credit. That means that your SC income tax can be reduced by the amount you paid in what the state has deemed excess insurance expenses.
This only applies to your legal residence and you need to talk to your tax advisor about this. I don't claim to be a tax advisor but want my clients and friends to know about this credit. Apparently it is not well known because not many people claim it when they do their taxes. It definitely can help homeowners in the coastal areas of South Carolina that are paying higher premiums due to the added risk of living in a hurricane zone. If you need more information then print out or email this form to your tax guru.