Columbia Insurance Rates:

Columbia, SC home insurance is about $692 to $940, about $57-$78/month. Our complete guide reveals consumers can save as much as $326 by getting many quotes

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Columbia Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
American Family Insurance
Home Insurance Rate of $830/7 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $275,000

5 Beds, 5 Baths 3640 sqft Seasonal Residence Constructed In 1970 with Ceramic Tile Flooring, Membrane Roof, Piers Foundation, Wood siding, Stucco Construction. Home Features Include Smoke Alarm, Fireplace, Swimming Pool, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

23 Years old Married Male who has a Part Time Job with household income of less than $25,000 and has No Pets and is a Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 650-699 Credit Score

  • Seniors staying at home

Home Insurance Rate of $370/4 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $145,000

4 Beds, 4 Bath 1890 sqft Seasonal Residence Constructed In 2011 with Hardwood Flooring, Membrane Roof, Piers Foundation, Vinyl siding, Wood Frame. Home Features Include Fire Extinguisher, Swimming Pool, Copper Water Pipes, Fireplace, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

38 Years old Married Female who has a Full Time Job with household income of $50-$75,000 and has 1 Pet and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 800-850 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $190/1 month for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $340,000

5 Beds, 5 Baths 3970 sqft Vacation Property Constructed In 1967 with Linoleum, Slate Shingles Roof, Chainwall Foundation, Stone Siding, Stucco Construction. Home Features Include Central Air Conditioning, Swimming Pool, Fireplace, Copper Water Pipes, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

66 Years old Divorced Male who is Unemployed and has 1 Pet and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 800-850 Credit Score

Home Insurance Rate of $1070/7 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $220,000

4 Beds, 4 Bath 3040 sqft Rental Property Constructed In 1984 with Carpet Flooring, Asphalt Shingles Roof, Piers Foundation, Fiber-Cement Siding, Brick Frame. Home Features Include Central Air Conditioning, Deadbolt Locks, Swimming Pool, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

48 Years old Married Male who has a Part Time Job with household income of less than $25,000 and has 1 Pet and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 550-599 Credit Score

  • Guests at home

Home Insurance Rate of $30/1 month for $50000-$75000 Coverage
Policy Holder Home Details :

Home Value : $80,000

2 Beds, 2 Bath 1100 sqft Seasonal Residence Constructed In 1968 with Wood Flooring, Slate Shingles Roof, Crawl Space Foundation, Brick siding, Wood Frame. Home Features Include Indoor Sprinklers, Copper Water Pipes, Central Air Conditioning, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

68 Years old Single Male who has a Part Time Job with household income of less than $25,000 and has 3 Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 650-699 Credit Score

  • Guests at home

Home Insurance Rate of $440/3 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $270,000

4 Beds, 4 Baths 3100 sqft Primary Residence Constructed In 1968 with Carpet Flooring, Shingles Roof, Piers Foundation, Vinyl siding, Brick Frame. Home Features Include Swimming Pool, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

67 Years old Married Female who is Retired and has No Pets and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 500-549 Credit Score

Home Insurance Rate of $580/10 months for $50,000-$75,000 Coverage
Policy Holder Home Details :

Home Value : $60,000

3 Beds, 3 Baths 1237 sqft Primary Residence Constructed In 1954 with Carpet Flooring, Tile Roof, Crawl Space Foundation, Wood siding, Brick Frame. Home Features Include Swimming Pool, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

40 Years old Married Male who has a Part Time Job with household income of $25-50,000 and has 1 Pet and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 750-799 Credit Score

  • Guests at home

Click here for Zip Code data

Columbia Rates & Quotes Analysis:

Columbia Area Estimated House Insurance
Old Clayton Ct, Joshua St, Wheeler Rd, Edward Ct, Catalina Ct, S-40-1308, Covenant Rd, Carteret St, Brookhirst Ct, Camellia St$803
Cheval St, Brooks-Palmer Pl, Clarendon St, Trull St, Arcadia Lake Dr, Greenfield Rd, Springfield Ave, Walcott St, Grant St, Carousel Cir$806
Pineridge Rd, Sweet Bay Dr, Lake Ave, Claremont Dr, Humphrey St, Braham St, Chester St, Joe Louis Dr, Atascadero Dr, Saint Claire Dr$910
Dual Dr, Abernathy St, Puritan Rd, Detreville Ave, Christie Rd, E Chapel Dr, Long Shadow Ln, Wales St, S Beltline Blvd, Jonwall Ct$822
Petigru St, Widgean Dr, Gayle Pond Trce, Riley St, Bolden Cir, Meridian Dr, Omega Dr, Gavinshire Rd, Ontario St, High St$803
Lennox Ct, Pinevale Dr, Carlyle Cir, Gibson St, Cleaton Dr, Stratford Rd, Greenoaks Rd, Flora St, Valley Rd, River Valley Dr$827
Glenwood Ct, Grady St, Ander Dr, Crescent St, Glengarry Dr, Marshall St, Brockington Rd, Ervin St, Parkside Dr, Charlotte St$847
Boxwood Dr, Reamer Ave, Dearborn Rd, Burton St, Leeward Loop, Woodlake Dr, Bradley Dr, Ripplemeyer Ave, Greenhill Rd, Standish St$923
Mercer St, Crossfield Rd, S Edisto Ave, Langley Ct, Gnadenhunt Rd, Union St, Cary Ln, Delane Dr, Abelia Rd, Sedgewood Dr$807
Oakcrest Rd, Dickson St, Yorkhouse Rd, Newcastle Dr, Old Trace Ct, Broad St, Chambly Dr, S Bull St, Courtridge St, Ravenwood Rd$853

Insurance rates are influenced by a number of factors including:

  • Year Built: 13,931 Homes (17% of total homes ) built between 1970 to 1979 in Columbia are paying home insurance between $1,323-$1,335. Places close to Columbia, SC such as Forest Acres, Arcadia Lakes, Pontiac are more expensive by $26, $115, $14 respectively while Woodfield and Dentsville are cheaper by $37 and $25 respectively for similar homes.
  • Bedrooms: 24,956 2 bedrooms homes (32% of total homes ) in Columbia are paying about $531 compared to Forest Acres (+$10), Arcadia Lakes (+$46), Pontiac (+$5), Woodfield (-$15) and Dentsville (-$11).
  • Auto Insurance Bundling: 14,937 Households (42% of all households) in Columbia have 2 vehicles available and when it is bundled with home insurance you can save $163 and differs from Forest Acres ($166), Arcadia Lakes ($177), Woodfield ($158).
  • Senior Discounts: 19,375 seniors (more than 55 years) occupied housing units (54% of total) in Columbia get discounts between $122 to $124. The comparative concessions in proximate regions such as Forest Acres, Arcadia Lakes and Woodfield are $124, $133 and $118 respectively.
  • New Homes discounts: New homes such as the 28,395 homes built between 2000 to 2009 in Columbia can save $163 and varies from Forest Acres ($166), Arcadia Lakes ($177), Woodfield ($158).

Columbia Homeowners insurance Facts

  • Columbia, SC has 35,549 owner occupied houses which is 52.1% of all units whereas Forest Acres, Arcadia Lakes and Woodfield have 66.98%, 96.88% and 55.69% respectively.
  • Columbia, SC homeowners yearly insurance price at $816 is 0.56% of the typical house value of $146,100 which is in contrast with 0.45% in Forest Acres, 0.3% at Arcadia Lakes & 0.8% in Woodfield.
  • Homeowners in Columbia, SC pay 1.48% of their income ($50,000 to $59,999) in insurance whereas homeowners in Forest Acres, Arcadia Lakes and Woodfield pay 1.51%, 1.61% and 1.44% respectively.
  • Columbia, SC’s insurance is 5.4% of monthly housing costs of $1,255/month, for owners with a mortgage compared to 5.09% in Forest Acres, 3.93% at Arcadia Lakes & 6.11% in Woodfield. But, for households without a mortgage, insurance is 17.2% of costs ($396 in Columbia, SC) in contrast with 15.24% in Forest Acres, 14.49% at Arcadia Lakes & 20.09% in Woodfield.

Columbia, SC Home Values & Insurance rates

For example, insurance for 2,460 Homes (7.0% of total homes ) valued between $175,000 to $199,999 in Columbia, SC is about $1,044. Rates in nearby areas in such as Forest Acres, Arcadia Lakes, Richland County are cheaper by $196, $495, $30 respectively while Woodfield and Dentsville are costlier by $454 and $284 respectively for similar homes.

Columbia, SC Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 2,256 6.0% $138
$50,000 to $59,999 930 2.0% $285
$60,000 to $69,999 1,363 4.0% $359
$70,000 to $79,999 1,592 4.0% $416
$80,000 to $89,999 2,218 6.0% $473
$90,000 to $99,999 2,187 6.0% $530
$100,000 to $124,999 4,217 13.0% $612
$125,000 to $149,999 3,566 11.0% $767
$150,000 to $174,999 3,829 11.0% $905
$175,000 to $199,999 2,460 7.0% $1044
$200,000 to $249,999 3,269 10.0% $1256
$250,000 to $299,999 2,094 6.0% $1534
$300,000 to $399,999 2,437 7.0% $1950

Renters Insurance in Columbia

  • Average Renters Insurance in Columbia :  $177($14/month)

  • Median Gross Rent in Columbia :  $793

  • Columbia Renters Insurance to Median Rent Ratio:  1.77%

  • Renter occupied housing units in Columbia :  32,632

Columbia Renters Insurance as a Percentage of Rent

Columbia Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 644 2.0% $344
$200 to $299 853 2.0% $794
$300 to $499 2,458 7.0% $1244
$500 to $749 9,540 30.0% $1919
$750 to $999 10,075 32.0% $2669
$1,000 to $1,499 6,134 19.0% $3794
$1,500 or more 1,529 4.0% $5444

Protective device discount in Columbia Up to :  $26

Claims-free discount in Columbia Up to :  $35

Columbia, SC Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
29203 $89,900 $800
29202 $243,800 $880
29205 $240,900 $880
29206 $232,800 $880
29212 $164,000 $830
29229 $163,200 $830
29201 $160,900 $840
29223 $144,600 $820
29209 $140,000 $810
29204 $131,800 $820
29210 $123,900 $820