Summerville Insurance Rates:

Summerville, SC home insurance is roughly $705 to $956, about $58-$79/month. Our in depth analysis indicates shoppers can save upto $332 by getting multiple quotes

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Read Summerville, South Carolina Homeowners Insurance reviews & compare quotes to find the most reliable & cheapest quotes.

Summerville Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
American Family Insurance
Home Insurance Rate of $600/8 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $210,000

5 Beds, 5 Baths 2390 sqft Rental Property Constructed In 2007 with Carpet Flooring, Metal Roof, Piers Foundation, Stone Siding, Metal Frame Construction. Home Features Include Copper Water Pipes, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

24 Years old Married Male who has a Part Time Job with household income of $25-50,000 and has No Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 700-749 Credit Score

  • Seniors staying at home

Home Insurance Rate of $410/5 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $215,000

3 Beds, 3 Bath 2090 sqft Seasonal Residence Constructed In 2011 with Hardwood Flooring, Shingles Roof, Crawl Space Foundation, Fiber-Cement Siding, Wood Frame. Home Features Include Central Air Conditioning, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

65 Years old Divorced Male who is Unemployed and has No Pets and is a Non-Smoker

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

  • 800-850 Credit Score

  • Seniors staying at home

Home Insurance Rate of $460/6 months for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $110,000

3 Beds, 3 Bath 1220 sqft Primary Residence Constructed In 1981 with Linoleum, Metal Roof, Chainwall Foundation, Fiber-Cement Siding, Brick Frame. Home Features Include Smoke Alarm, Fire Extinguisher, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

74 Years old Divorced Female who is a Freelancer with household income of $50-$75,000 and has No Pets and is a Smoker

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

  • 600-649 Credit Score

  • Seniors staying at home

Home Insurance Rate of $1320/10 months for $125,000-$150,000 Coverage
Policy Holder Home Details :

Home Value : $190,000

3 Beds, 3 Baths 1982 sqft Rental Property Constructed In 1993 with Wood Flooring, Shingles Roof, Chainwall Foundation, Vinyl siding, Metal Frame Construction. Home Features Include Fireplace, Central Air Conditioning, Indoor Sprinklers, Smoke Alarm, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

33 Years old Divorced Male who has a Part Time Job with household income of $25-50,000 and has More than 3 Pets and is a Non-Smoker

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

  • 550-599 Credit Score

  • Seniors staying at home

Summerville, SC Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
29485 $184,100 $850
29483 $155,800 $820

Summerville Rates & Quotes Analysis:

Summerville Area Estimated House Insurance
Colleton Ave, Old Trolley Rd, Grande Belle Ln, Tidewater Dr, Vickie St, Alma Dr, Blueridge Trl, Guilford Dr, Cherry Pl, Branton Dr$835
Christina Ln, Ladson Rd, Cat Tail Pond Rd, Winningham Rd, Co Rd S-18-748, Vernon Pl, Linda Ln, Maidstone Dr, Cassels Ln, Rice Mill Dr$841
Corey Blvd, Cobley Pl, Malvasia Ct, Blackberry Ln, Mary St, Goldfinch Ln, Co Rd S-18-732, Elizabeth St, Felix St, Bob's Lake Rd$818
Holly Berry Ln, Ashton Cove, Ashley River Dr, E Liberty Meadows Dr, Kody Ln, Dan Miler Ln, Mayfair Ct, Wando Dr, Foxglove Ave, Clairmont Ln$862
Tyvola Dr, Preston Ave, Co Rd S-18-453, Weathers Ct, Breeders Cup Dr, Lee St, Action Ln, Louise Ct, Warrell Cir, Kirksey Dr$855
Jo Fur Ln, Pheasant Run Rd, Meadowbrook Ct, Sageborough Dr, Co Rd S-18-650, Plantation House Rd, Louis St, Shadowglen Dr, Sandpiper Dr, McAlheney Dr$869
Harlesden Ln, Willet Dr, Oakmont Ave, Willowbend Ln, Rice Cir, Co Rd S-18-700, W Butternut Rd, Germander Ave, Co Rd S-18-648, Co Rd S-18-452$816
Waxhaw Cir, Co Rd S-18-58, Joyce Ln, Flamingo Dr, Hardee Ave, Noble Dr, Willoway Cir, Laurens Ct, Wicker Ct, Clover Ave$833
Simons Ave Exd, Jackson St, Appian Way, Bernay Ct, Knight Ave, Coventry Ct, Two Pond Loop, Limehouse Dr, Amaranth Ave, Canvasback Dr$812
Co Rd S-18-390, Wannamaker Ave, Claussen St, Co Rd S-10-881, David Dr, W Richardson Ave, Fire Fly Ln, Cooper's Ridge Blvd, N Split Oak Ct, Blufton Ct$812

Insurance rates are influenced by a number of factors including:

  • Year Built: 8,642 Homes (18% of total homes ) built between 1980 to 1989 in Summerville are paying home insurance between $1,240-$1,252. Places close to Summerville, SC such as West Ashley, Meggett, Johns Island are more expensive by $28, $113, $24 respectively while Lincolnville and Ridgeville are cheaper by $62 and $43 respectively for similar homes.
  • Bedrooms: 9,828 4 bedrooms homes (21% of total homes ) in Summerville are paying about $1,047. Areas near to Summerville such as West Ashley, Hollywood, Meggett are costlier by $15, $7, $86 respectively whereas Lincolnville and Ridgeville are more economical by $44, $37 respectively for similar homes.
  • Auto Insurance Bundling: 7,193 Households (24% of all households) in Summerville have 3 or more vehicles available and when it is bundled with home insurance you can save $207. Discounts for similar bundling in close by locations such as Lincolnville, Ridgeville, Ladson come to $197, $200, $201 respectively.
  • Senior Discounts: 12,070 seniors (more than 55 years) occupied housing units (40% of total) in Summerville get discounts between $124 to $126 and differs from Lincolnville ($118), Ridgeville ($120), Sangaree ($121).
  • New Homes discounts: New homes such as the 26,348 homes built between 2000 to 2009 in Summerville can save $166 and similar new home insurance discounts in nearby towns and cities like Lincolnville, Ridgeville and Ladson are $158, $160 and $161 respectively.

Summerville Homeowners insurance Facts

  • Summerville, SC has 29,952 owner occupied houses which is 70.7% of all units whereas Lincolnville, Ridgeville and Ladson have 58.09%, 83.81% and 77.21% respectively.
  • Summerville, SC homeowners yearly insurance price at $831 is 0.47% of the typical house value of $178,400 which is in contrast with 0.87% in Lincolnville, 0.68% at Ridgeville & 0.65% in Ladson.
  • Homeowners in Summerville, SC pay 1.11% of their income ($75,000 or more) in insurance whereas homeowners in Lincolnville, Ridgeville and Ladson pay 1.05%, 1.07% and 1.07% respectively.
  • Summerville, SC’s insurance is 4.7% of monthly housing costs of $1,486/month, for owners with a mortgage compared to 4.77% in Lincolnville, 6.24% at Ridgeville & 5.54% in Ladson. But, for households without a mortgage, insurance is 16.2% of costs ($427 in Summerville, SC) in contrast with 19.08% in Lincolnville, 18.11% at Ridgeville & 17.98% in Ladson.

Summerville, SC Home Values & Insurance rates

For example, insurance for 3,543 Homes (12.0% of total homes ) valued between $175,000 to $199,999 in Summerville, SC is about $872. Rates in nearby areas in such as West Ashley, Hollywood, Hanahan are cheaper by $158, $52, $16 respectively while Lincolnville and Ridgeville are costlier by $747 and $411 respectively for similar homes.

Summerville, SC Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 1,944 7.0% $116
$50,000 to $59,999 326 1.0% $240
$60,000 to $69,999 371 1.0% $299
$70,000 to $79,999 443 1.0% $349
$80,000 to $89,999 583 2.0% $390
$90,000 to $99,999 613 2.0% $440
$100,000 to $124,999 2,734 9.0% $506
$125,000 to $149,999 3,697 13.0% $639
$150,000 to $174,999 3,781 13.0% $756
$175,000 to $199,999 3,543 12.0% $872
$200,000 to $249,999 4,525 16.0% $1047
$250,000 to $299,999 2,466 8.0% $1279
$300,000 to $399,999 2,697 9.0% $1628

Renters Insurance in Summerville

  • Average Renters Insurance in Summerville :  $149($12/month)

  • Median Gross Rent in Summerville :  $970

  • Summerville Renters Insurance to Median Rent Ratio:  1.24%

  • Average household size of renter-occupied unit :  2.75

Summerville Renters Insurance as a Percentage of Rent

Summerville Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 134 1.0% $787
$300 to $499 333 2.0% $1237
$500 to $749 1,881 15.0% $1912
$750 to $999 3,928 33.0% $2662
$1,000 to $1,499 4,228 35.0% $3787
$1,500 or more 1,238 10.0% $5437

Rent Affordability in Summerville:

Approximately 48.0% (5,996) of households are spending more than 35% of their income on gross rent in Summerville

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 1,026 8.0%
15.0 to 19.9 percent 1,273 10.0%
20.0 to 24.9 percent 1,655 13.0%
25.0 to 29.9 percent 1,716 13.0%
30.0 to 34.9 percent 753 6.0%
35.0 percent or more 5,996 48.0%

Protective device discount in Summerville Up to :  $22

Claims-free discount in Summerville Up to :  $29