Rock Hill Insurance Rates:

Rock Hill, SC home insurance is approximately $692 to $939, about $57-$78/month. Our exhaustive research indicates shoppers can save as much as $326 by getting many quotes

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Rock Hill Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
American Family Insurance
Home Insurance Rate of $470/5 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $345,000

5 Beds, 5 Baths 4610 sqft Seasonal Residence Constructed In 1990 with Carpet Flooring, Shingles Roof, Slab Foundation, Wood siding, Stucco Construction. Home Features Include Central Air Conditioning, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

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

Additional Details :
  • 50-75% Mortgage Paid off

  • Up to 499 Credit Score

Home Insurance Rate of $1130/12 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $200,000

4 Beds, 4 Baths 1840 sqft Rental Property Constructed In 1999 with Wood Flooring, Asphalt Shingles Roof, Chainwall Foundation, Wood siding, Brick Frame. Home Features Include Deadbolt Locks, Fireplace, Central Air Conditioning, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

28 Years old Divorced Male who is a Freelancer with household income of $100-$150,000 and has 2 Pets and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 600-649 Credit Score

Home Insurance Rate of $340/4 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $210,000

3 Beds, 3 Baths 2100 sqft Rental Property Constructed In 1993 with Ceramic Tile Flooring, Membrane Roof, Crawl Space Foundation, Stone Siding, Stucco Construction. Home Features Include Smoke Alarm, Deadbolt Locks, Indoor Sprinklers, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

23 Years old Married Female who has a Part Time Job with household income of $25-50,000 and has 3 Pets and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 500-549 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $770/9 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $185,000

3 Beds, 3 Baths 1900 sqft Primary Residence Constructed In 2014 with Ceramic Tile Flooring, Slate Shingles Roof, Chainwall Foundation, Stone Siding, Stucco Construction. Home Features Include Central Air Conditioning, Fireplace, Smoke Alarm, Indoor Sprinklers, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

24 Years old Divorced Female who is Unemployed and has No Pets and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 500-549 Credit Score

  • Guests at home

Home Insurance Rate of $110/1 month for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $380,000

5 Beds, 5 Baths 4070 sqft Primary Residence Constructed In 1988 with Hardwood Flooring, Shingles Roof, Chainwall Foundation, Stucco siding, Brick Frame. Home Features Include Deadbolt Locks, Swimming Pool, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

26 Years old Married Male who has a Full Time Job with household income of less than $25,000 and has 3 Pets and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 700-749 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $950/9 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $200,000

5 Beds, 5 Baths 2790 sqft Rental Property Constructed In 2002 with Carpet Flooring, Membrane Roof, Slab Foundation, Vinyl siding, Stucco Construction. Home Features Include Deadbolt Locks, Fire Extinguisher, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

24 Years old Divorced Female who is Unemployed with household income of less than $25,000 and has More than 3 Pets at home and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 600-649 Credit Score

  • Seniors staying at home

Home Insurance Rate of $1900/9 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $275,000

4 Beds, 4 Baths 3060 sqft Primary Residence Constructed In 2010 with Wood Flooring, Metal Roof, Crawl Space Foundation, Brick siding, Wood Frame. Home Features Include Fire Extinguisher, Indoor Sprinklers, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

70 Years old Divorced Female who has a Full Time Job with household income of $50-$75,000 and has More than 3 Pets at home and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 650-699 Credit Score

Home Insurance Rate of $560/7 months for $100,000-$125,000 Coverage
Policy Holder Home Details :

Home Value : $115,000

2 Beds, 2 Bath 1436 sqft Rental Property Constructed In 1992 with Hardwood Flooring, Asphalt Shingles Roof, Slab Foundation, Stucco siding, Brick Frame. Home Features Include Indoor Sprinklers, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

70 Years old Divorced Male who is a Freelancer with household income of $50-$75,000 and has More than 3 Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • Up to 499 Credit Score

  • Guests at home

Rock Hill, SC Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
29732 $160,300 $830
29730 $122,200 $810

Rock Hill Rates & Quotes Analysis:

Rock Hill Area Estimated House Insurance
Broach Dr, Nantucket Way, Madison St, Standard St, Harmony Rd, State Rte 904, Dorothy St, State Hwy 558, Twitty Ct, Hasty St$824
Foxlair Ct, Chamberland Ct, State Rte 947, Shurley St, Wakefield Way, State Hwy 31, State Rte 1043, State Hwy 31, Cushendall Ter, State Rte 1172$813
State Rte 1471, Ashley Ln, Bradford Ct, Craig Rd, Impulse Ln, Persimmon Pl, Old York Rd, Oak Branch Dr, Kellibell Ln, Whispering Pines$836
Sidney St, Shady Oak Ln, State Rte 338, Marine Dr, Ebenezer Ave Exd, Hagler Rd, Neely Store Rd, State Rte 1159, Dartmouth Dr, Lucky Ln$813
Audubon Dr, Old Forge Rd, Griffith Cir, Pickens St, Hollis St, State Rte 1517, Polo Ridge, Peppermill Dr, State Rd S-46-165, Claire Ln$828
Devonshire Dr, State Hwy 1332, State Rte 532, Maddy Ln, McGill Pond Ln, J Ed Bookout Rd, Pinkney St, Penny Oaks Cove, State Rte 1038, State Rte 1473$780
Finley View Dr, Hermitage Rd, W Black St, Ebenezer Rd, Williamson Rd, E Friedheim Rd, Cedarvale Cir, Brush Creek Rd, Izard St, Rawlinson Rd$838
State Rte 1416, Blanche Cir, State Rte 647, State Rte 1087, Windsor Ter, Riverlane Rd, Tiffany Dr, Van-Valin Dr, Level St, English Trl$854
Parrish Pt, Smiths Cir, Coach House Ct, Etta Vaughn, State Rte 135, State Rte 1435, Walker Rd, Rocklyn Dr, State Rte 1522, Belle Meade Dr$806
Dunlap Roddey Rd, Glenn Hope Rd, High Pines Rd, State Rte 160, Churchill Rd, State Rte 1520, Eagle Dr, Barton Ln, Burkett Dr, State Rte 193$823

Insurance rates are influenced by a number of factors including:

  • Year Built: 6,947 Homes (14% of total) built between 1970 to 1979 in Rock Hill are paying home insurance between $1,323-$1,335 and varies from Lesslie (+$10), Newport (+$28), Tega Cay (+$100), Riverview (-$62) and Richburg (-$18).
  • Bedrooms: 6,510 4 bedrooms homes (13% of total homes ) in Rock Hill are paying about $1,028 in contrast with Lesslie (+$7), Newport (+$21), Tega Cay (+$78), India Hook (-$11) and Richburg (-$22).
  • Auto Insurance Bundling: 7,821 Households (27% of all households) in Rock Hill have 3 or more vehicles available and when it is bundled with home insurance you can save $204 and differs from Lesslie ($205), Newport ($208), Riverview ($194).
  • Senior Discounts: 12,807 seniors (more than 55 years) occupied housing units (45% of total) in Rock Hill get discounts between $122 to $124. The comparative concessions in proximate regions such as Lesslie, Newport and Riverview are $123, $124 and $116 respectively.
  • New Homes discounts: New homes such as the 26,140 homes built between 2000 to 2009 in Rock Hill can save $163 and similar new home insurance discounts in nearby towns and cities like Lesslie, Newport and Riverview are $164, $166 and $155 respectively.

Rock Hill Homeowners insurance Facts

  • Rock Hill, SC has 28,107 owner occupied houses which is 64.8% of all units whereas Lesslie, Newport and Riverview have 78.97%, 86.08% and 85.79% respectively.
  • Rock Hill, SC homeowners yearly insurance price at $816 is 0.56% of the typical house value of $146,300 which is in contrast with 0.52% in Lesslie, 0.45% at Newport & 1.18% in Riverview.
  • Homeowners in Rock Hill, SC pay 1.09% of their income ($75,000 or more) in insurance whereas homeowners in Lesslie, Newport and Riverview pay 1.1%, 1.11% and 1.04% respectively.
  • Rock Hill, SC’s insurance is 5.6% of monthly housing costs of $1,222/month, for owners with a mortgage compared to 6.12% in Lesslie, 5.2% at Newport & 5.95% in India Hook. But, for households without a mortgage, insurance is 19.5% of costs ($348 in Rock Hill, SC) in contrast with 24.73% in Lesslie, 22.91% at Newport & 16.31% in India Hook.

Rock Hill, SC Home Values & Insurance rates

For example, insurance for 1,073 Homes (3.0% of total homes ) valued between $80,000 to $89,999 in Rock Hill, SC is about $473. Rates in nearby areas in such as Catawba, York County, Van Wyck are cheaper by $38, $46, $150 respectively while Richburg and Fort Lawn are costlier by $74 and $223 respectively for similar homes.

Rock Hill, SC Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 2,411 8.0% $138
$50,000 to $59,999 674 2.0% $285
$60,000 to $69,999 676 2.0% $359
$70,000 to $79,999 856 3.0% $416
$80,000 to $89,999 1,073 3.0% $473
$90,000 to $99,999 1,269 4.0% $522
$100,000 to $124,999 3,939 14.0% $612
$125,000 to $149,999 3,701 13.0% $758
$150,000 to $174,999 3,639 13.0% $905
$175,000 to $199,999 2,397 8.0% $1044
$200,000 to $249,999 2,945 10.0% $1256
$250,000 to $299,999 1,773 6.0% $1534
$300,000 to $399,999 1,523 5.0% $1950

Renters Insurance in Rock Hill

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

  • Median Gross Rent in Rock Hill :  $765

  • Rock Hill Renters Insurance to Median Rent Ratio:  1.83%

  • Renter occupied housing units in Rock Hill :  15,277

Rock Hill Renters Insurance as a Percentage of Rent

Rock Hill Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 248 1.0% $794
$300 to $499 1,204 8.0% $1244
$500 to $749 5,162 36.0% $1919
$750 to $999 4,982 35.0% $2669
$1,000 to $1,499 2,076 14.0% $3794
$1,500 or more 472 3.0% $5444

Protective device discount in Rock Hill Up to :  $26

Claims-free discount in Rock Hill Up to :  $35