Piedmont Insurance SC

The Booming Residential Hotspot of the Upstate is Piedmont SC. Homes are popping up all the time! So if you are searching for insurance leave it to us to shop for you!

Homeowners insurance rates by company in South Carolina

You may think that rates should be the same across all carriers, but this is rarely the case. Why?

It boils down to a Rating Factors.

The Ratings Factors they use are statistics and data they calculate to decide your rate. So if you have previous claims on past homeowners policies, then likely you’ll have a higher rate. If your home has designer upgrades, then likely you’ll have a higher rate. But, safety features like Water Leak shutoffs and being in secured sub-division are ratings factors that improve the rate!

CompanyHome Owners ($250,000)
American International$1,350
American Family Insurance$1,357
Auto-Owners Insurance$1,382
Chubb$1,481
Progressive$1,490
Erie Insurance$1,375
Farmers Insurance Group$1,529
Allstate$1,348
USAA$1,260
Hartford Financial Services$1,527
State Farm$1,273
Nationwide Mutual$1,514
MetLife Inc.$1,487
Liberty Mutual$1,399
Travelers Companies Inc.$1,497
PIEDMONT INSURANCE
piedmont insurance
Homes are popping up all the time in Piedmont SC, which is exciting! Rates are quite competitive, so let us help you get covered!

Homeowners Coverage Options and Cost!

Homeowners insurance can be broken up into four different coverage options making it one of the most comprehensive insurance programs out there. Because it isn’t just property, it is your Home.

Piedmont insurance
Coverage Types

First is DWELLING PROTECTION

This is the SLICED bread! The basic coverage needed. Your home! The roof, the walls, the foundation. This coverage insures that you do not have to bare the burden of a total loss. The Insurance Company will help you shoulder it.

So throw us your worst mother nature! We are covered with Piedmont Insurance!

Please don’t throw anything at us mother-nature, we got carried away..

Blue Data Pie Chart Infographic
DWELLING COVERAGE

Second is OTHER STRUCTURES PROTECTION

If Dwelling Coverage is the Bread, well OTHER STRUCTURES PROTECTION is the Butter! This is the Fence that keeps Lassie safe, or the shed you hide in because your wife kicked you out of the house again… so you hide in the He-Shed with your pocket wifi and your laptop typing about homeowners insurance… *sigh*

Essentially these are structures on your property but S-E-P-E-R-A-T-E from your house.

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OTHER STRUCTURES COVERAGE

Third is PERSONAL PROPERTY PROTECTION

Your home isn’t just the structure, its also all the items you’ve furnished it with. Your belongings. What you’ve chosen to spend your hard earned cash on and stare at until its eventual trip to the Goodwill. Which there are many in Piedmont South Carolina.

Many…

This is the TV you watch, the couch you’re sitting on while you’re watching it… the rug your feet hug while your sitting on the Ikea couch watching the show on the TV that is all covered under your Homeowners Insurance in Piedmont South Carolina. Now there is an SEO packed paragraph. Love me Google!

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PERSONAL PROPERTY PROTECTION

Fourth there is Liability Protection

In the unlikely event of an injury on the part of an individual visiting your property there are coverages to protect you from paying for their medical bills for the next 10 years! Get to work Millennials!

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Liability Protection

Who has the Lowest price on Homeowners in South Carolina for Piedmont Insurance? Your questions answered:

A Companies claims experience can impact how much their rates are in a certain area or their cost of doing business.

That being said the below rankings is based on a few crucial pieces of information that you should weigh when choosing your Homeowners Insurance policy in Piedmont South Carolina.

Financial Stability of the insurance carrier, Affordability of the rates, and Customer Experience.

CompanyRank
Travelers1
State Farm2
American Family3
American International4
Chubb5
MetLife Inc.6
Liberty Mutual7
Progressive8
Nationwide9
Rankings of Insurance Carriers

What Carriers do WE sell Piedmont Insurance?

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We are a Brokerage that shops through many Carriers to find you the best rate! When it comes to Homeowners Insurance in Piedmont South Carolina these two are the TOP in our Book!
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We also sell Commercial Auto, Personal Auto, Umbrella Policies, and even RV Coverage! Below are our Homeowners Insurance Partners!
image shows Travelers logo
Trusted Carrier A++ with AM Best

TRAVELERS Insurance is a fantastic Insurance Company, in fact according to Time.com they are the Best for Homeowners Insurance. Why is that?

Well, not only is there financial status stable, which means your claims will be met.. but also their customer service ratings are through the roof. We couldn’t be more thrilled with the way they treat our customers, it truly has been wonderful partnering with Travelers Insurance.

It is important to note that although they are among the best, this doesn’t mean you will be paying a crazy premium. They often are extremely competitive with their rates. We attribute this to the discounts you can stack with Travelers especially the Homeowners Discounts!

Travelers Discounts for Homeowners Insurance

  1. BUNDLING AUTO AND HOME Saves 13% right off the top.
  2. Homeownership saves an automatic 5% off Auto policies even if you DON’T get your Homeowners Insurance through Travelers.
  3. If you’ve had continuous insurance with NO GAPS you can save another 15%.
progressive logo
Trusted Carrier A+ with AM Best

PROGRESSIVE Insurance is the other Homeowners Insurance Carrier that we LOVE! Who doesn’t love Progressive? WalletHub.com does! They gave Progressive a 4.3 out of 5 due to its competitive rates, its HUGE discount list, and Client Satisfaction that consistently out beats others in the space.

In fact, Progressive Homeowners Insurance tends to be 7% cheaper than the National Average!

WAIT A MINUTE PROGRESSIVE DOESN’T HAVE A HOMEOWNERS BRANCH!

asi
AMERICAN STRATEGIC INSURANCE

On April 1, 2015 ASI or AMERICAN STRATEGIC INSURANCE was acquired by The Progressive Corporation by majority. That was no April Fools! ASI is one of the 10 largest homeowners companies in the USA and they are not losing steam!

So when you call us looking for Homeowners Insurance in Piedmont South Carolina you can be confident that your home will be covered by the very best.

Average Cost for Homeowners Insurance in South Carolina (by city) – Piedmont Insurance

CityPrice
Aiken$1,276.00
Fort Mill$1,232.00
Taylors$1,302.00
Garden City$1,122.00
Lugoff$1,229.00
Greenwood$1,112.00
Red Hill$1,391.00
Ladson$1,350.00
Moncks Corner$1,263.00
Bennettsville$1,411.00
Powdersville$1,132.00
Anderson$1,422.00
Boiling Springs$1,329.00
Gantt$1,148.00
Sangaree$1,233.00
Myrtle Beach$1,114.00
Florence$1,199.00
Beaufort$1,186.00
Seneca$1,169.00
Cayce$1,135.00
Clinton$1,166.00
Hanahan$1,308.00
Laurens$1,269.00
Port Royal$1,114.00
Lake Wylie$1,172.00
Sans Souci$1,125.00
Little River$1,157.00
West Columbia$1,186.00
Berea$1,226.00
Hilton Head Island$1,394.00
Socastee$1,392.00
Union$1,372.00
Woodfield$1,246.00
Summerville$1,245.00
North Augusta$1,287.00
Lexington$1,177.00
Red Bank$1,304.00
Simpsonville$1,226.00
Sumter$1,220.00
Dentsville$1,249.00
Orangeburg$1,311.00
Burton$1,161.00
Lancaster$1,386.00
James Island$1,223.00
Greenville$1,240.00
Welcome$1,132.00
Easley$1,211.00
Mauldin$1,380.00
Fountain Inn$1,214.00
Columbia$1,388.00
Five Forks$1,167.00
Irmo$1,395.00
North Charleston$1,324.00
Georgetown$1,108.00
Hartsville$1,201.00
Newberry$1,408.00
Mount Pleasant$1,313.00
Clemson$1,182.00
Oak Grove$1,417.00
North Myrtle Beach$1,375.00
Spartanburg$1,422.00
Greer$1,283.00
Tega Cay and Forest Acres$1,184.00
Parker$1,326.00
Charleston$1,309.00
Seven Oaks$1,231.00
Conway$1,280.00
Wade Hampton$1,262.00

Piedmont Insurance

Most Common Causes for Homeowners Loss and Claims

Weather Related

Winds, Hail, Thunder, Wildfire, and other weather related incidents are one of the most common losses leading to claims.

Other Losses

Theft, Power Surge causing loss of use, Water Leak, and Injuries in the home are a close follow up to the reason many claims are filed. That is why it is good to get covered.

Life happens, but they don’t have to leave you to shoulder the full financial burden.

Why Should I go with a Brokerage to purchase my Homeowners Insurance?

Dave Ramsey with The Ramsey Show discusses Captive Agents VS Brokerages

Rating factors for Homeowners insurance in South Carolina. What goes in to deciding your final rate?

1Location
2Marital status
3Age of Home
4Credit history
5Wood-burning stoves
6Roof condition
7Claims
8Value of home Replacement cost
9Protection Class Proximity to fire station
10Deductible
11Home-based business
Piedmont Insurance

Best Homeowners insurance by company in South Carolina

AM BEST rates the credit strength of insurance companies worldwide. So if AM Best gives a company a positive rating for Piedmont Insurance, then you can be sure that they are… the Best.

Below are the top companies in South Carolina that sell insurance in the upstate where Piedmont is tucked. Here at A Plus Insurance we sell both PROGRESSIVE Homeowner Policies and TRAVELERS Homeowner Policies. Not to mention auto policies.

CompanyAM Best
NationwideA
Hartford FinancialA+
American FamilyA
ProgressiveA+
Liberty MutualA
State FarmA++
Farmers InsuranceA
American InternationalA-
AllstateA+
Auto-Owners InsuranceA
ChubbA
USAAA++
TravelersA++
Piedmont Homeowners Insurance Ratings AM BEST

Bundling Options with Homeowners insurance in South Carolina

Bring all of your belongings under one roof!

Since you are in the market for homeowners insurance in Piedmont South Carolina, likely you own other personal property that requires the financial security that insurance provides.

Think about your vehicle! Migrate your auto insurance into the same carrier. This leads to savings!

Let’s say you have a Single Family Home, you own a 2021 Ford Maverick LX and use it to pull a Travel Trailer. Oh! And on Sundays you ride on your Motorcycle. Bring all four under the same roof. Companies like Progressive reward this with stacked savings.

1Umbrella
2Boat
3RV
4ATV
5Health
6Business
7Motorcycle
8Life
9Auto
Bundle Opportunities
Liability Only and Full Coverage
AUTO + HOME & AUTO + MOTORCYCLE Bundling Options
Cheap Auto Insurance in Bluffton, SC
Greer, SC Home Insurance Rates
Affordable Home Insurance Greenville, SC

Last Updated on by Marlon Moss