Greenville SC Home Insurance – Complete Guide
Home Insurance Greenville SC
- What is homeowners insurance and is it required?
- Companies That Offer Homeowners Insurance in Greenville, SC
- Average Cost of Homeowners Insurance in Greenville SC
- Top Rated Insurance Companies for Greenville SC Home Insurance
- Ways to Save Money on Homeowners Insurance
- Common Causes of Filing a Claim
- Other Helpful Links
- Other Resource Links
Greenville is rated one of the nations best places to go for a weekend get away. It is also one of the fastest growing cities. From Greenville‘s picturesque main street, the gorgeous parks, and delicious food scene, it’s no wonder the real estate market is booming! People just can’t seem to move here fast enough! Whether you are a recent transplant, local, or considering purchasing/building a home in Greenville, SC; our spectacular agents are here to help you find the best homeowners insurance in Greenville SC!
Home Insurance Greenville SC
What is homeowners insurance and is it required?
What is homeowners insurance?
Homeowners insurance is what protects the structure and contents of your home. It also covers things such as detached garages and other detached structures. It also offers you liability coverage incase someone were to be injured on the property.
Is homeowners insurance required?
Homeowners insurance is not required in the state of South Carolina, however it is required by mortgage companies.
Even if you own your home, homeowners insurance is a great thing to have due to the potential of a major financial loss.
Best Homeowners Insurance in Greenville SC
Companies That Offer Homeowners Insurance in Greenville, SC
Since there are so many homes being purchased in Greenville, SC by not only native residents but people from out of state. We wanted to make it easy for everyone to know which companies offer home insurance in Greenville SC. Below is the list of companies that offer Greenville SC Home Insurance.
| Progressive |
| Farmers Insurance |
| Chubb |
| Liberty Mutual |
| Auto-Owners |
| Travelers |
| USAA |
| American Family |
| State Farm |
| American International |
| Allstate Corp. |
| Nationwide |
| Hartford |
Greenville SC Home Insurance
Average Cost of Homeowners Insurance in Greenville SC
Below is the average cost of a homeowners insurance policy for a $250,000 home.
| Company | Average Cost |
|---|---|
| Progressive | $1,383 |
| American International | $1,404 |
| Nationwide | $1,469 |
| Hartford Financial Services | $1,357 |
| Travelers | $1,373 |
| Allstate | $1,369 |
| USAA | $1,293 |
| MetLife | $1,433 |
| State Farm | $1,499 |
| Farmers | $1,476 |
Best Homeowners Insurance in Greenville SC
Top Rated Insurance Companies for Greenville SC Home Insurance
One of the best ways to determine which insurance company is the best, is to consider its AM Best rating. Am Best ratings let consumers know how good a company is at fulfilling its financial responsibilities when it comes to paying out for claims.
| Company | AM Best Rating |
|---|---|
| American International | A- |
| Liberty Mutual | A |
| Allstate | A+ |
| Hartford Financial | A+ |
| Travelers | A++ |
| State Farm | A++ |
| Auto-Owners Insurance | A |
| Farmers | A |
| USAA | A++ |
| American Family | A |
| Nationwide | A |
| Progressive | A+ |
Home Insurance Greenville SC
Ways to Save Money on Homeowners Insurance
Bundling
One of the most common ways to save money on your homeowners insurance is to bundle it with other policies you already have. Common policies often bundled together are listed below.
| Auto | RV |
| Boat | Life/Health |
| Travel | Commercial/Business |
| Motorcycle | Umbrella |
Discounts Offered by Insurance Companies
There are several other ways to save money on your homeowners insurance. Below is a list of discounts offered by companies. Not every company offers every single one of these. So double check with your insurance agent on discounts offered for your policy.
| Gated community | Upgraded Plumbing |
| Smoke detector (monitored) | Home Monitoring/Security System |
| EFT | Married Discount |
| Non-smoking discount | New Home Discount |
| Upgraded roof | Bundling |
Home Insurance Greenville SC
Common Causes of Filing a Claim
Below is a list of common things that result in a homeowner needing to file a claim with their insurance carrier. Not all the causes listed below are covered on every homeowners policy. Always be double check with your agent if there is one type of damage you are concerned about.
| Fire | Lightning |
| Water Damage | Vandalism/Theft |
| Earth Movement | Wind |
| Power Surge | Injuries |
| Hail | Explosion |
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How do I know if I need to have Homeowners Insurance in Greenville SC?
Homeowners insurance is not required by law, but is highly suggested to help prevent the homeowner from a major financial loss. Homeowners insurance however can be required by your mortgage company.
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How do I get homeowners insurance?
The easiest way to get homeowners insurance is simply to call us and one of our agents will gladly help you. You can also do a self-service quote on our site.
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How do I find out if I need homeowners insurance?
If you own your home having homeowners insurance is your choice. If you are still paying on your mortgage you will want to contact your mortgage holder to see what they require when it comes to homeowners insurance.
Last Updated on by Lauren Mckenzie