Greenville Homeowners Insurance

What Your Greenville Home Insurance Policy Needs

The cultural city of Greenville, SC is home to many international businesses that offer lucrative employment in a number of different industries. It is little wonder, therefore, that CNN Money ranked Greenville in the #9 spot on its list of the Top 10 Fastest Growing Cities in the United States. As a homeowner in this vibrant and beautiful city, you will need to be sure to protect your investment with a suitable Greenville home insurance policy.

When you are shopping for good home insurance at a great price, you can turn to an Independent Insurance Agent in the Trusted Choice® network for help. These agents are free to work with a variety of highly rated insurance companies, so they can present you with an ideal selection of customized policies and rates from which to choose. This is the fastest and easiest way to compare Greenville homeowners insurance quotes.

  • National yearly premium average: $1,034
  • South Carolina yearly premium average: $1,134
  • 13th most expensive premium in the U.S.

Residents of South Carolina face slightly higher-than-average home insurance rates, so comparison-shopping is an important step in the insurance-selection process. Your actual quoted home insurance rates will depend on a number of factors, such as the following:

  • The value of your home and its projected rebuilding costs
  • The amount of property coverage you wish to purchase
  • The type of home you are insuring: primary residence, second home or vacation home
  • The preferred amount of your deductible
  • The insurance company you choose

A Trusted Choice agent can help you compare Greenville homeowners insurance rates to ensure that you are getting suitable coverage at an affordable price.

Number of Thefts in South Carolina

  • National number of burglaries: 37,814
  • South Carolina number of burglaries: 40,958

The burglary rate in South Carolina is higher than the national average, and in Greenville, residents reported nearly 700 burglaries and about 2,400 thefts in 2013 alone. It is important that you safeguard your property by investing in theft deterrents such as deadbolt locks, burglar alarm systems and motion-sensitive lighting. Burglaries are not always preventable, however; if it happens to you, your Greenville homeowners insurance can help.

Your insurance policy can compensate you for loss or damage brought about by property crimes. Allow a Trusted Choice agent to help you determine if any of your particularly valuable items need to have special endorsements in order to be fully covered.

Number of Catastrophes in South Carolina

  • Number of catastrophes in South Carolina: 621
  • Number of tornadoes in South Carolina: 13
  • Amount of property damage in South Carolina: $12,050,000
  • 1 in 15 insured homes has a claim each year

Your Greenville homeowners insurance policy provides you with coverage if your house is damaged by a severe weather event or by other hazards such as fire or vandalism. However, it is important that you review your policy to understand what coverage exclusions may apply.

For example, nearly all home insurance policies exclude coverage for damage caused by floods, so supplemental flood insurance is necessary. Your independent insurance agent can help you identify coverage gaps that may exist in your current or prospective policies, and can recommend and help you obtain supplemental insurance to mitigate those exposures.

What Are the Risks in Greenville?

Although Greenville is located relatively far inland, the risk of damage caused by hurricanes and tropical storms is significant. Also, because these storms typically also lead to flood damage, it is a good idea to supplement your Greenville homeowners insurance policy with a flood insurance policy through the National Flood Insurance Program (NFIP). Your Trusted Choice agent can help you acquire this coverage.

Another weather-related hazard that Greenville residents should be aware of is hail, as this area has a very high risk of hailstorms. Hail has the potential to damage roofs, siding and other property, so you will want to be certain that your Greenville home insurance policy offers coverage against this damage. Some insurance companies require homeowners to have a roof inspection every few years in order to ensure coverage. Your Trusted Choice agent can review the policy stipulations laid out by the insurance policies you are comparing.

Compare Greenville Home Insurance Quotes

Independent Insurance Agents in the Trusted Choice network can save you time and money by helping you avoid overpaying for your Greenville homeowners insurance. These agents can gather a variety of quotes for policies that are designed specifically to meet your coverage needs, and can help you review the coverage offered by each company.

There are a number of Trusted Choice agents with offices in Greenville and neighboring communities. These agents can serve as a wonderful resource when you are shopping for any type of insurance. Find an agent near you to learn more about your coverage options and to start comparing Greenville home insurance quotes for policies that have been customized to meet your needs.

Now, who's ready to get their insurance problems solved?