How does your city measure up to the national average?
National average burglary rate 3.76 per 1,000 people
National average home value $269,000
National average home insurance cost $1,211 year
| City | Annual insurance cost | Avg. home value | Burglaries / 1,000 homes |
| Aiken | $1,458 | $193,856 | 7.98 |
| Anderson | $1,140 | $125,352 | 16.47 |
| Beaufort | $1,738 | $200,059 | 11.84 |
| Bluffton | $1,675 | $220,714 | 2.06 |
| Camden | $1,176 | $156,901 | 7.57 |
| Charleston | $1,907 | $297,700 | 2.7 |
| Clemson | $1,660 | $226,279 | 6.34 |
| Clinton | $763 | $90,965 | 10.86 |
| Columbia | $1,249 | $164,600 | 8.28 |
| Conway | $1,231 | $157,961 | 6.31 |
| Easley | $1,156 | $160,515 | 5.45 |
| Fort Mill | $1,558 | $226,661 | 1.55 |
| Gaffney | $862 | $109,745 | 9.07 |
| Georgetown | $1,212 | $129,250 | 11.63 |
| Goose Creek | $1,370 | $184,152 | 3.83 |
| Greenville | $1,785 | $266,400 | 7.67 |
| Greenwood | $898 | $106,474 | 11.79 |
| Greer | $1,118 | $161,007 | 3.53 |
| Hanahan | $1,621 | $205,843 | 4.57 |
| Hilton Head Island | $2,575 | $445,718 | 4.02 |
| Irmo | $920 | $129,613 | 5.07 |
| Laurens | $709 | $83,552 | 10.88 |
| Mauldin | $1,151 | $166,826 | 3.1 |
| Mount Pleasant | $2,498 | $437,000 | 1.83 |
| Myrtle Beach | $1,435 | $187,951 | 2.12 |
| Newberry | $713 | $95,920 | 6.93 |
| North Augusta | $1,209 | $171,862 | 4.06 |
| North Charleston | $1,140 | $152,000 | 7.55 |
| North Myrtle Beach | $2,146 | $281,493 | 12.17 |
| Orangeburg | $1,071 | $133,616 | 10.59 |
| Piedmont | $1,047 | $153,900 | 2.69 |
| Port Royal | $1,626 | $207,144 | 4.38 |
| Rock Hill | $1,101 | $153,500 | 5.3 |
| Seneca | $1,016 | $140,516 | 5.78 |
| Simpsonville | $1,147 | $165,856 | 3.25 |
| Spartanburg | $979 | $119,890 | 10.98 |
| Summerville | $1,370 | $194,218 | 0.47 |
| Surfside Beach | $2,121 | $273,914 | 13.6 |
| West Columbia | $1,016 | $137,582 | 6.75 |
Popular Questions about South Carolina Home Insurance
In South Carolina, the average annual home insurance premium is $1,269, coming in just above the national at $1,211 per year. When shopping for homeowners insurance, you can expand your network by having an adviser compare with multiple carriers at once. This will ensure that you're getting competitive pricing for your coverage.
Your South Carolina home insurance will come with standard limits of protection. The coverage amounts will be tailored to your specifications and exposures. Common limits included are dwelling value, other structures, personal property, liability, medical payments, and additional living expenses. Each one of these is adjusted to suit your individual needs.
In South Carolina, you won't be mandated by the state to carry a home insurance policy. A lender, however, will require proof of coverage in order to take out a loan. This can be a mortgage, a lienholder, or any other party that has a financial interest in your home. With South Carolina having hurricanes (17/year) and tornadoes (27/year), not having proper protection is a big financial risk.
There are a multitude of risk factors carriers look at when calculating your South Carolina home insurance rates. One of the most weighed items is past claims. In South Carolina, the top reported property losses that impact your premiums are hurricanes, ice damage, property crimes, residential fires, and flooding.
Yes, South Carolina has roughly 315 independent insurance agents that can help with personal and commercial policies. They'll be able to shop local carriers, giving you options on coverage and price. And as a bonus, they do all the work without costing you a dime.
Each state will have specific carriers that write business in that part of the country. Some of the most competitive and sufficient insurance companies for home insurance in South Carolina are Progressive, Nationwide, Safeco, and Travelers insurance. They are ranked in the top tier for carriers because they have comprehensive protection, fast service, and fair pricing.
Do You Know What Your South Carolina Home Insurance Covers?
Find the Best Homeowners Insurance in Your City
- $104
- Columbia, SC Monthly average home insurance cost
- On average, homeowners in Columbia pay $104 per month for their homeowners insurance coverage. Rates in Columbia can vary depending on the size and age of your home, the local crime rate, and several other variables. Your actual premium could be a little more or less than the average. Comparing quotes from multiple carriers enables you to obtain your coverage at a competitive rate.
- The burglary rate in this city is nearly double the national average. Home invasions are always scary, and burglaries can lead to major frustrations. If you come home and find that your laptop, jewelry, and big screen TV are missing, there's only a small chance that police can track down the criminal and recover your property. Luckily, your home insurance can provide the funds necessary to replace stolen valuables and pay for any property repairs related to the break-in.
- $159
- Charleston, SC Monthly average home insurance cost
- The average monthly cost of home insurance in Charleston is $159. Your home insurance premium could be higher or lower than the average. It depends on several factors such as when your home was built, what your house is made of, and how much coverage you need. The average home value in this city is higher than the state average, and this is one reason that rates in this city are on the high end.
- The beautiful homes in this historic Southern city are at constant risk of sustaining damage caused by severe weather. With its location along the coast, residents of this city are susceptible to the strong winds and heavy rains that accompany the hurricanes and tropical storms that can form along the Eastern Seaboard. These storms can damage, or even destroy, area property so it is important to have a home insurance policy that will enable you to pick up the pieces. Though hurricanes are covered, the floods that often come with them are not.
- $208
- Mount Pleasant, SC Monthly average home insurance cost
- Homeowners in Mount Pleasant pay an average of $208 per month for their homeowners insurance coverage. High property values couple with its coastal location make this an expensive city for home coverage. Of course, homeowners insurance prices will vary from one homeowner to the next depending on a number of factors such as the age and size of your house, the building materials used in its construction, the presence of storm shutters, and the amount of coverage you need.
- Hurricanes and tropical storms that form in the Atlantic Ocean sometimes make landfall along the Eastern Seaboard. This can result in severe damage to area homes. While your homeowners insurance can cover damage caused by high winds and torrential downpours, it will not cover damage caused by the floods that can accompany these storms.
- $92
- Rock Hill, SC Monthly average home insurance cost
- On average, residents of Rock Hill pay $92 per month for their home insurance coverage. Your rate could be higher or lower than this amount, depending on variables like the crime rate in your ZIP code, the size of your home, and your credit score. Comparing quotes lets you be sure you are getting your coverage at the best price.
- Your Rock Hill home insurance policy can protect your finances against risks such as accidental fires, property crimes, liability lawsuits, and, of course, severe weather events. Although hurricanes and tropical storms that make landfall along the coast will be weakened by the time they get as far inland as Rock Hill, this city can still experience damaging winds and torrential rainfalls from these storms. While wind and rain damage is covered by home insurance, flood damage is not.
- $149
- Greenville, SC Monthly average home insurance cost
- The average monthly cost of homeowners insurance in Greenville is $149. Higher-than-average property values coupled with a relatively high burglary rate play a role in making insurance rates on the high end in this city. Of course, you could pay considerably more or a less for your home insurance policy because your actual rate will depend on several unique variables like your home's square footage and age, the crime rate in your ZIP code, and your claims history.
- You have invested a lot in your home. It is important that you fully protect that investment by purchasing a comprehensive and reliable home insurance policy. This insurance can cover you against a number of hazards that might otherwise prove extremely expensive. These include risks such as residential fires, property crimes, and severe weather events. Your home insurance can also cover you against liability lawsuits. That way, if a guest is severely injured in your home, or your dog bites a neighbor, or there are other events that can lead to a liability lawsuit, you will have coverage for any damages as well as for your legal fees and court costs.
- $114
- Summerville, SC Monthly average home insurance cost
- On average, residents of Summerville pay $114 per month for their home insurance coverage. Your actual home insurance premium could be significantly higher or lower than the average, based on several factors like your home’s size, age, and building materials, your neighborhood’s crime rate, and the amount of coverage you are purchasing.
- With its low crime rate and beautiful homes, Summerville is a wonderful place to invest in a house. Home insurance can help you protect that investment. While residents of this city do not experience the full brunt of the hurricanes and tropical storms that make landfall, Summerville is close enough to the coast that area homes can still sustain significant damage from these severe storms. Fortunately, your home insurance can provide compensation if your house is damaged or destroyed by the high winds and torrential rains these storms can bring.
- $101
- Georgetown, SC Monthly average home insurance cost
- The average monthly cost of homeowners insurance in Georgetown is $101. Your home insurance premium could be higher or lower, depending on the crime in your area, your credit score, and your house's characteristics like square footage and building materials.
- Georgetown homeowners insurance can cover you against liability lawsuits, residential fires, and weather damage to your home. It can also cover property crimes. Here in Georgetown, where burglary rates are quite high, this is of great importance. You may be able to score a discount on your home insurance coverage by taking proactive steps to protect your property such as having deadbolt locks and a burglar alarm system.
- $98
- Camden, SC Monthly average home insurance cost
- Homeowners in Camden pay an average of $98 per month for their home insurance coverage. Home insurance rates are unique for each homeowner, so your actual cost could be higher or lower than this average. Several variables will impact how much you pay: the size of your home, the local crime rate, and even your credit score.
- One of the biggest risks that homeowners in Camden face is damage due to residential fires. Whether a fire is started by a cooking accident, a clogged lint filter on your dryer, or an outside force such as a lightning strike, the damage to your home can be all-encompassing. Fortunately, you can rely on your homeowners insurance to cover the cost of rebuilding your home and replacing the valuables you lost in the blaze.
- $215
- Hilton Head Island, SC Monthly average home insurance cost
- On average, homeowners on Hilton Head Island pay about $215 per month for their home insurance coverage. An abundance of large properties, high property values, and proximity to the coast all play a role in the high rates that homeowners pay in this area. Keep in mind that Hilton Head home insurance rates can vary quite a bit, depending on the size of your home, the amount of coverage you are purchasing, and even your credit score. Your actual premium could therefore be significantly higher or lower than this average.
- Hurricanes and tropical storms are no joke. They can lead to expensive property damage for homeowners on Hilton Head Island. From roof damage to water damage to the destruction of outlying property, the expensive aftermath of a hurricane can be devastating. Fortunately, your home insurance policy can provide you with compensation for these losses so that you can rebuild or repair your home and replace your lost or damaged property. Be sure to supplement your Hilton Head home insurance coverage with a flood insurance policy so that you are fully covered against these storms.
- $96
- Simpsonville, SC Monthly average home insurance cost
- Homeowners in Simpsonville pay an average of $96 per month for their home insurance. Of course, Simpsonville home insurance rates can vary significantly based on factors like the size and location of your house, the crime rate in your ZIP code, and even your credit score. It is therefore to your advantage to obtain and compare quotes from multiple carriers before making a selection.
- Your Simpsonville home insurance policy is designed to protect you against the various hazards you may face as a homeowner in this city. From property crimes to liability lawsuits, the range of hazards this insurance covers is large and can extend to things you may have never even considered. Simpsonville sees occasional ice storms. These can cause branches to crack and fall, pipes to freeze, and can even lead to severe injury to a guest to your home if they slip on ice while approaching your front door.