Piedmont Homeowners Insurance

What Your Piedmont, SC Homeowners Insurance Policy Needs

Find the right homeowners insurance policy for you.

Piedmont, SC is a small town with only about 5,000 residents. It straddles the border between Anderson County and Greenville County. While the residents of this census-designated town can enjoy the small-town, community-oriented feel that is Piedmont, they can also benefit from the amenities of the nearby cities of Anderson and Greenville. If you are one of the proud homeowners in this small town, you will want to be sure to protect your investment with a suitable Piedmont home insurance policy.

A local independent insurance agent in our network can help you find the right coverage at an affordable rate. These agents can work with a number of reputable insurance providers to collect Piedmont homeowners insurance quotes for policies that have been customized to meet your specific coverage and budgetary needs. Find an agent near you to get started.

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

South Carolina residents pay higher-than-average rates for their home insurance coverage. This is largely due to the fact that many homeowners in this state are at increased risk for property damage caused by hurricanes and tropical storms. Because it is more inland, however, Piedmont has a lower risk for damage caused by these storms, and your insurance rates will reflect this. In order to find out what your actual cost for coverage will be, you need to contact insurance companies and request a quote for Piedmont homeowners insurance. These providers calculate your price according to a number of factors such as the following:

  • The location of your home
  • The value and rebuilding cost of the house you are insuring
  • The age of the house and the materials from which it was constructed
  • The type of property you are insuring (i.e., a single-family dwelling, a duplex, a condominium, a mobile home, etc.)
  • The use of the property you are insuring: primary residence, vacation home or second home
  • The amount of property coverage you wish to purchase
  • The amount of your deductible

Each company is likely to quote you a different cost for your coverage. Your agent can help you compare Piedmont homeowners insurance rates so you can be sure you are buying the policy that offers you the best value.

Insuring Second Homes and Vacation Homes

If you own more than one house, you need individual policies to cover each of your properties. Secondary properties typically have different insurance considerations from primary residences and sometimes cost more to insure. Insurance companies calculate your costs based on different factors such as whether you leave the property unoccupied for long periods throughout the year; whether you allow tenants or guests to use the property in your absence; and whether the property is part of a homeowners association as is often the case with condos and other vacation properties. Your agent can help you find affordable policies to cover your extra properties.

Number of Thefts in South Carolina

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

Coming home to the realization that you have been the victim of a burglary can be very stressful, but knowing that your Piedmont home insurance policy has your back might provide a bit of comfort. Once you are sure that you and your family are safe, take an inventory of your damaged and stolen belongings and call the police immediately. You need a copy of the police report when you file your insurance claim. You can turn to your agent for guidance throughout the claims process.

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

Home insurance policies provide coverage for many of the property-damaging hazards homeowners are likely to face. If your home is damaged or destroyed by a catastrophe such as an accidental fire, a storm or a tornado, you can rest easy knowing that your home insurance can prevent this loss from being financially debilitating. Home insurance policies typically have limits on coverage for certain categories of belongings such as jewelry, art, and electronics. Therefore, if you own particularly valuable items, such as collectibles, or you have a large jewelry collection, you may need to purchase additional riders, or endorsements, in order to fully cover them. Your agent can help.

What Are the Risks in Piedmont?

Residents of Piedmont have very little risk of weather-related damage. Unlike those who live along the coast, homeowners in South Carolina’s Upstate area have very little risk of hurricane and tropical storm damage, and this is reflected in lower insurance rates. Furthermore, Piedmont also sees very few tornadoes, floods or hailstorms. This is not to say that the risk of tornado damage does not exist. The chance of tornado activity in Piedmont is actually 12 percent greater than the national average. 

One of the worst to strike in this area was an F3 twister that touched down 4.9 miles from the Piedmont Place center in 1973. It injured 40 people and caused millions of dollars’ worth of property damage. Your local agent will be aware of the risks you face as a homeowner in Piedmont and will be able to make appropriate policy recommendations when necessary so that you can be sure you have the right coverage for your home.

Compare Quotes to Find the Best Piedmont Home Insurance

When it comes to purchasing a Piedmont home insurance policy, you have many insurance providers available to choose from. Comparison shopping enables you to find a suitable policy at a competitive rate, but it can be time-consuming and can leave you with many unanswered questions if you are going at it alone. Further, you run the risk of purchasing a policy that leaves you with coverage gaps that you are unaware of until it is too late.

This is why it is to your benefit to work with a local agent. These independent insurance agents can recommend suitable coverage amounts, identify and eliminate coverage gaps, and request quotes from a variety of reputable insurance providers. This can help you find the best policy to meet your coverage and budgetary needs. 

Find an agent with an office near you to learn more about your Piedmont homeowners insurance options.

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