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Insurance Simpsonville SC Homes
Step aside Greenville, Simpsonville is the hotspot! Homeowners insurance doesn’t need to make you sweat though, because we make it easy to shop and save.
Which companies offer Homeowners in South Carolina
This is the place to start! Which Company will you choose for your homeowners insurance in Simpsonville?
The answer may come down to cost! Which company is going to offer the cheapest for homeowners insurance? But there is an even more pressing question first. Which companies offer homeowners insurance in Simpsonville? Check out the chart below:
| Company | Home Owners Offered? |
|---|---|
| Farmers Insurance | yes |
| Progressive | yes |
| American International | yes |
| Hartford | yes |
| Travelers | yes |
| Nationwide | yes |
| Liberty Mutual | yes |
| Allstate Corp. | yes |
| MetLife Inc. | yes |
| American Family | yes |
| Chubb | yes |
| USAA | yes |
| State Farm | yes |
Best Homeowners Insurance by Company in South Carolina
Now that we know who offers homeowners insurance, which is going to be the one you choose?
One way to narrow down the playing field is to determine the quality of the Carriers. How? There are resources that have done the research for you like AM Best.
For example Progressive Home Insurance has an AM Best score of A+. Meaning it is financially stable, well reviewed, and has plenty of coverage options and packages.
Another option is Travelers Home Insurance who has an A++ rating! See below the AM Best scores for home insurance in Simpsonville SC.
| Company | A.M. Best |
|---|---|
| USAA | A++ |
| American International | A- |
| Progressive | A+ |
| Liberty Mutual | A |
| Farmers Insurance | A |
| Chubb | A |
| Nationwide | A |
| Hartford Financial | A+ |
| Auto-Owners Insurance | A |
| Travelers | A++ |
| American Family | A |
| Allstate | A+ |
| State Farm | A++ |
Homeowners insurance rates by company in South Carolina
Now we get down to the nitty gritty! The Money!
How much can you expect to pay for Insurance Simpsonville SC homes?
For a $250,000 home with Progressive Home Insurance or American Strategic you can expect to pay the lowest rate of $1,265 on average annually. Check out some other options:
| Company | Home Owners ($250,000) |
|---|---|
| Liberty Mutual | $1,518 |
| American International | $1,321 |
| State Farm | $1,477 |
| Travelers Companies Inc. | $1,435 |
| Farmers Insurance Group | $1,288 |
| Chubb | $1,464 |
| Erie Insurance | $1,423 |
| Progressive | $1,265 |
| Nationwide Mutual | $1,502 |
| Hartford Financial Services | $1,286 |
| Auto-Owners Insurance | $1,435 |
| American Family Insurance | $1,355 |
| USAA | $1,526 |
| Allstate | $1,483 |
| MetLife Inc. | $1,354 |
Bundling Options with Homeowners insurance in South Carolina
The savings from a good bundle is undeniable, it is worth at least exploring. Do you have auto insurance? Well, during your hunt for homeowners insurance in Simpsonville SC why not ask if there is bundling opportunities. Keeping all of your coverages under one roof.
A full coverage auto policy below could cost $152, when bundled with insurance for your Simpsonville SC home you keep shave %14 percent off of your policy!
Discounts available for Homeowners insurance in South Carolina
Now, just because the averages above are typically the norm… there are discounts that can bring the price down.
Below is a list of some of the Biggest Discounts:
DISCOUNTS – INSURANCE SIMPSONVILLE SC HOMES
As you can see below certain discounts are upgrades to your home, like an upgraded roof! This gives carriers peace of mind and you save because of it. Progressive Home Insurance gives huge discounts for New homes too!
| 1 | Upgraded Wiring |
| 2 | EFT |
| 3 | Claims Free |
| 4 | Home monitoring / Bruglar |
| 5 | Married discount |
| 6 | New home discount |
| 7 | Gated community |
| 8 | Hail resistant roofing |
| 9 | Bundling Multiple Polices |
| 10 | Upgraded roof |
| 11 | Non-smoking discount |
Renters Insurance in Simpsonville SC
We also sell Renters Insurance, which is an excellent bundling opportunity. When you bundle the savings can really stack up.
We also offer motorcycle, RV, and commercial policies!
Let’s say that you’re home is being built and so you are renting temporarily. We can get your renters policy started, then when it is time to transition to your home we’ll help you cancel the renters and transition to your homeowners policy.
Most common Causes for Homeowners Loss and claims (nationwide)
This list is the reason why we all need homeowners insurance, the peace of that you can recover in the case of a loss.
| 1 | Injuries |
| 2 | Fire |
| 3 | Wind |
| 4 | Water Damage |
| 5 | Hail |
| 6 | Power surge |
| 7 | Other Weather related |
| 8 | Loss of Use |
| 9 | Vandalism |
| 10 | Lightning |
| 11 | Theft |
Rating factors for Homeowners insurance in South Carolina
Rating factors are essentially the data used to determine how much YOUR home insurance is going to cost you.
Some impact you rating score negatively, while others are a positive rating.
For example, a home with a pool has inherent dangers that can be a RED FLAG to insurance companies. Certain carriers will decide that this is an uninsurable risk and disqualify you completely.
RATING FACTORS
| 1 | Value of home Replacement cost |
| 2 | Credit history |
| 3 | Protection Class Proximity to fire station |
| 4 | Roof condition |
| 5 | Upgrades to Wiring plumbing |
| 6 | Wood-burning stoves |
| 7 | Age of Home |
| 8 | Claims |
| 9 | Home liability limits |
| 10 | Insurance score |
| 11 | Home-based business |
| 12 | Location |
| 13 | Swimming pool or hot tub |
| 14 | Deductible |
Cheapest Homeowners insurance (by city) in South Carolina
From city to city the price for Simpsonville SC Home Insurance can vary. That’s why it is vital to shop around!
You’ll find reasonable rates with carriers like Travelers and Progressive in Simpsonville as well.
| City | Carrier |
|---|---|
| Simpsonville | Liberty Mutual |
| Greenville | Progressive |
| Tega Cay and Forest Acres | USAA |
| Port Royal | USAA |
| Newberry | State Farm |
| Orangeburg | Allstate |
| Georgetown | Farmers |
| Powdersville | NationWide |
| Spartanburg | Farmers |
| Seven Oaks | American Family |
| Anderson | Amica |
| Myrtle Beach | Travelers |
| Sans Souci | Liberty Mutual |
| North Charleston | Travelers |
| Gaffney | Farmers |
| York | Progressive (ASI) |
| Woodfield | State Farm |
| Sangaree | Allstate |
| Aiken | Chub |
| Hanahan | Travelers |
| Irmo | Progressive (ASI) |
| Hilton Head Island | Progressive |
| Rock Hill | USAA |
| Conway | Allstate |
| Dentsville | Travelers |
| Goose Creek | Allstate |
| Lugoff | Allstate |
| West Columbia | Liberty Mutual |
| Greer | Progressive (ASI) |
| Mount Pleasant | USAA |
| Taylors | Farmers |
| Five Forks | Farmers |
| Laurens | Progressive (ASI) |
| Burton | Allstate |
| Lancaster | Allstate |
| Lake Wylie | Farmers |
| Berea | American Family |
| Bennettsville | USAA |
| Greenwood | Travelers |
| Socastee | Chub |
| Red Hill | Amica |
| North Myrtle Beach | Travelers |
| Lexington | Allstate |
| Welcome | State Farm |
| Little River | Allstate |
| Garden City | Progressive (ASI) |
| Sumter | Progressive (ASI) |
| Murrells Inlet | Travelers |
| Moncks Corner | USAA |
| St. Andrews | Allstate |
| Clemson | NationWide |
| Parker | Liberty Mutual |
Your Dwelling
Covers the structure of the home that you reside in. The roof, the walls, the foundation. Some coverages even extend to structures attached to the home like a deck.
Personal Property
This type of coverage is for the personal belongings you own within the home. You can extend this to special property as well like furs or high end computers.
Other Structures
These are coverages that protect structures on your property but not attached to your home. Like a fence or shed.
Liability or Damages
This liability coverage aids you in the case that someone is injured on your property.
Who has the Lowest price on Homeowners in South Carolina?
| Rank | Company |
|---|---|
| 1 | Liberty Mutual |
| 2 | USAA |
| 3 | Auto-Owners |
| 4 | Progressive |
| 5 | Hartford |
| 6 | American International |
| 7 | Travelers |
| 8 | MetLife Inc. |
| 9 | Allstate Corp. |
Last Updated on by Alexis Karapiperis