- South Carolina Homeowners Insurance
- South Carolina Homeowners Insurance Rates by Company
- South Carolina Homeowners Insurance Rating Factors
- South Carolina Home Insurance Discounts Available
- South Carolina Homeowners Insurance- Which Companies Offer
- Who Has the Lowest Price on Home in South Carolina?
- South Carolina Homeowners Insurance Bundling Options
- SC Homeowners Insurance Best Companies
- South Carolina Home Insurance Average Cost (by city)
- What We Do at A Plus Insurance
- What factors should I consider when purchasing homeowners insurance in South Carolina?
- Do I need flood insurance for my South Carolina home?
- Questions about homeowners insurance in South Carolina? Call us at 1.888.445.2793.
- Additional Helpful Links
South Carolina Homeowners Insurance Rates by Company
Insurance rates in South Carolina can vary per each zip code. So with that said it’s always wise to compare different insurers for rates. When you do your due diligence, you’ll walk away confident knowing have the best policy for your property.
| Company | Homeowners ($250,000) |
|---|---|
| Auto-Owners Insurance | $1,453 |
| USAA | $1,466 |
| Erie Insurance | $1,324 |
| Progressive | $1,363 |
| Hartford Financial Services | $1,298 |
| Nationwide Mutual | $1,332 |
| Farmers Insurance Group | $1,333 |
| American Family Insurance | $1,381 |
| Allstate | $1,481 |
| Travelers Companies Inc. | $1,338 |
| American International | $1,353 |
| Liberty Mutual | $1,446 |
| MetLife Inc. | $1,326 |
| State Farm | $1,282 |
South Carolina Homeowners Insurance Rating Factors
South Carolina Homeowners Insurance-There can be many different factors that go into ratings. For example- With some insurers, If you have a trampoline your rate will increase. We’ve included a list of different examples of what might raise your homeowners insurance. That’s why it’s best to shop around.
| Rating Factors |
|---|
| Location |
| Upgrades to Wiring plumbing |
| Dog breed |
| Insurance score |
| Home-based business |
| Swimming pool or hot tub |
| Protection Class Proximity to fire station |
| Age of Home |
| Value of home Replacement cost |
| Roof condition |
| Home liability limits |
| Wood-burning stoves |
| Claims |
South Carolina Home Insurance Discounts Available
Being a Homeowner might mean you’re eligible for, not only one but multiple South Carolina insurance discounts. For example- If you shop around, improve your home security, make sure your home is up to code, Etc. There’s a list below of more examples for a discount.
| Available Discounts |
|---|
| Upgraded plumbing |
| Auto water shut off or leak detection |
| Bundling Multiple Polices |
| Claims Free |
| Upgraded roof |
| Smoke detector (monitored) |
| Loyalty |
| Home monitoring / Burglar |
| Hail resistant roofing |
| EFT |
South Carolina Homeowners Insurance- Which Companies Offer
Many different companies cover Homeowners. But maybe to your surprise some don’t. So that’s why it’s always best to compare, shop around and find what’s best for your property. We’ve included a list below of companies who can help cover Homeowners.
| Company | Homeowners Offered |
|---|---|
| Hartford | yes |
| Progressive | yes |
| State Farm | yes |
| Auto-Owners | yes |
| American International | yes |
| Allstate Corp. | yes |
| Liberty Mutual | yes |
| Travelers | yes |
| USAA | yes |
| Farmers Insurance | yes |
| American Family | yes |
| MetLife Inc. | yes |
| Nationwide | yes |
Who Has the Lowest Price on Home in South Carolina?
Although you might find the lowest rate when getting a quote, sometimes it’s still best for you to shop around to make sure you’re getting exactly what you’re looking for.
| Company | Rank |
|---|---|
| MetLife Inc. | 1 |
| Nationwide | 2 |
| Farmers Insurance | 3 |
| American Family | 4 |
| Chubb | 5 |
| Auto-Owners | 6 |
| American International | 7 |
| Hartford | 8 |
| Progressive | 9 |
South Carolina Homeowners Insurance Bundling Options
Some Insurers may not offer bundling but a lot of Insurers do, and with that a discount on your insurance will follow. Shopping around will always pay off.
| Bundling Policy Options |
|---|
| Boat |
| Health |
| RV |
| Auto |
| ATV |
| Business |
| Umbrella |
| Life |
| Motorcycle |
SC Homeowners Insurance Best Companies
With so many Insurers out there these days, it can become overwhelming to know where to start or who’s the best. That’s why it’s wise to compare before making a decision.
| Company | AM Best |
|---|---|
| Chubb | A |
| MetLife | A- |
| Hartford Financial | A+ |
| Liberty Mutual | A |
| USAA | A++ |
| State Farm | A++ |
| Nationwide | A |
| American Family | A |
| Auto-Owners Insurance | A |
| Progressive | A+ |
| Travelers | A++ |
| Farmers Insurance | A |
| American International | A- |
| Allstate | A+ |
South Carolina Home Insurance Average Cost (by city)
Knowing the average cost of Homeowners Insurance in your area, can greatly influence your decision on the location of your future home. Look at the cost list below for reference.
| City | Price |
|---|---|
| Bluffton | $1,209.00 |
| Red Bank | $1,235.00 |
| Gantt | $1,163.00 |
| North Myrtle Beach | $1,331.00 |
| Sumter | $1,204.00 |
| Welcome | $1,159.00 |
| Clinton | $1,122.00 |
| Sans Souci | $1,166.00 |
| Oak Grove | $1,170.00 |
| Gaffney | $1,294.00 |
| Boiling Springs | $1,394.00 |
| Conway | $1,375.00 |
| Seneca | $1,180.00 |
| Irmo | $1,373.00 |
| Anderson | $1,148.00 |
| Taylors | $1,108.00 |
| North Augusta | $1,190.00 |
| Summerville | $1,101.00 |
| West Columbia | $1,368.00 |
| Simpsonville | $1,398.00 |
| Georgetown | $1,136.00 |
| Florence | $1,393.00 |
| Charleston | $1,372.00 |
| Columbia | $1,195.00 |
| Cayce | $1,330.00 |
| Hanahan | $1,372.00 |
| Mount Pleasant | $1,176.00 |
| Berea | $1,318.00 |
| Union | $1,260.00 |
| York | $1,119.00 |
| Spartanburg | $1,206.00 |
| Lexington | $1,392.00 |
| Mauldin | $1,137.00 |
| Clemson | $1,137.00 |
| Bennettsville | $1,298.00 |
| Wade Hampton | $1,265.00 |
| Lancaster | $1,112.00 |
| Little River | $1,386.00 |
| Laurens | $1,403.00 |
| Garden City | $1,119.00 |
| Beaufort | $1,408.00 |
| Ladson | $1,295.00 |
| Lake Wylie | $1,317.00 |
| Greenville | $1,233.00 |
| Hilton Head Island | $1,178.00 |
| Port Royal | $1,158.00 |
| Moncks Corner | $1,294.00 |
| Rock Hill | $1,279.00 |
| Goose Creek | $1,130.00 |
| Orangeburg | $1,412.00 |
| James Island | $1,112.00 |
| Parker | $1,197.00 |
| Newberry | $1,333.00 |
| Lugoff | $1,233.00 |
| Seven Oaks | $1,147.00 |
What We Do at A Plus Insurance
Homeowners, renters, and mobile home owners: make sure you have the protection you need.
What factors should I consider when purchasing homeowners insurance in South Carolina?
When purchasing homeowners insurance in South Carolina, it’s important to consider factors such as the location of your home, coverage for natural disasters like hurricanes, liability protection, and the value of your personal belongings. A Plus Insurance can help you navigate these considerations and find the best rates.
Do I need flood insurance for my South Carolina home?
South Carolina is prone to flooding, especially during hurricane season. While standard homeowners insurance may cover certain water damage, it’s advisable to consider purchasing a separate flood insurance policy. A Plus Insurance can guide you on the necessity and options for flood insurance in South Carolina.
Questions about homeowners insurance in South Carolina? Call us at 1.888.445.2793.
If you have any questions about homeowners insurance in South Carolina or need personalized assistance, don’t hesitate to call A Plus Insurance at 1.888.445.2793. Our team is ready to provide expert advice and help you find the best insurance rates for your South Carolina home.
Additional Helpful Links
Last Updated on by Marlon Moss