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South carolina house insurance

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Hey question for anyone that lives in SC my mom's is in Okatie she is paying a little over 3000.00 a year for house insurance. The is 3 bedroom 2 bathrooms a 2 car garage and about 2000 Sq ft. She state farm insurance and they are raising her deductible for earthquake another 15%. But if anything else checking her deductibles for like hurricane she has a 5000.00 deductible. Does it sound like she is getting ripped off she is 79yr old. I know problem paying a lot of insurance as I said before more is better. Plus the house is in a 55 and over gated community. Thanks any information

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