South Carolina Home Owners Insurance

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South Carolina Home Owners Insurance

Homeowners insurance rates by company in South Carolina

Homeowners insurance rates 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.

CompanyHomeowners ($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

Rating factors for Homeowners insurance in South Carolina

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.

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

Discounts available for Homeowners insurance in South Carolina

Being a Homeowner might mean you’re eligible for, not only one but multiple 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.

Upgraded plumbing
Auto water shut off or leak detection
Bundling Multiple Polices
Claims Free
Upgraded roof
Smoke detector (monitored)
Loyalty
Home monitoring / Bruglar
Hail resistant roofing
EFT

* Laws pertaining to Homeowners in South Carolina

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Which companies offer Homeowners in South Carolina?

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.

CompanyHome Owners Offered
Hartfordyes
Progressiveyes
State Farmyes
Auto-Ownersyes
American Internationalyes
Allstate Corp.yes
Liberty Mutualyes
Travelersyes
USAAyes
Farmers Insuranceyes
American Familyyes
MetLife Inc.yes
Nationwideyes

Who has the Lowest price on Homeowners 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.

CompanyRank
MetLife Inc.1
Nationwide2
Farmers Insurance3
American Family4
Chubb5
Auto-Owners6
American International7
Hartford8
Progressive9

Bundling Options with Homeowners insurance in South Carolina

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.

Boat
Health
RV
Auto
ATV
Business
Umbrella
Life
Motorcycle

What does homeowners insurance cover in South Carolina?

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Best Homeowners insurance by company in South Carolina?

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.

CompanyAM Best
ChubbA
MetLifeA-
Hartford FinancialA+
Liberty MutualA
USAAA++
State FarmA++
NationwideA
American FamilyA
Auto-Owners InsuranceA
ProgressiveA+
TravelersA++
Farmers InsuranceA
American InternationalA-
AllstateA+

Average Cost for Homeowners Insurance in South Carolina (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.

CityPrice
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

Homeowners Insurance FAQ’s in South Carolina

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Last Updated on November 3, 2021 by Shawn Christie

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