You might think you're due for a break on your homeowners insurance. After all, it's been more than 20 years since the Lowcountry's last memorable hurricane, Hugo, struck in 1989.
That's a common notion, but it's not necessarily true, according to Russ Dubisky, executive director of the S.C. Insurance News Service, a nonprofit organization funded by insurers.
He said homeowners often don't fully understand the range of issues that influence insurance rates.
"We just want to remind folks: There's a lot of factors here," Dubisky said.
For one thing, the risk of a storm hitting coastal South Carolina remains relatively high, he said.
Dubisky encouraged frustrated consumers to remember their rates are intended to ensure their community can quickly recover if necessary.
The good news: There is ample competition among insurers in South Carolina, so good deals on rates can be had -- even in areas along the coast, Dubisky said.
"If you wanted to shop around, you can find a competitive product at a competitive price," he said.