Columbia, SC Home Insurance - Analysis On Quotes, Rates & Agents

Columbia, SC Insurance Rates:

vHome Insurance undertook a detailed analysis of the cost of insurance in different cities of the country. This analysis helped in narrowing down the list of the top home insurance providers in Columbia, SC. The average cost of insurance in Columbia, SC is $989. The following analysis stresses the importance of comparing multiple quotes. Enter your Zip Code in the banner below to get instant home insurance quotes.

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Average Home Insurance Premium in Columbia, SC

National Average Premium State Average Premium Columbia Average Premium
$1,438 $989 $989

Top Home Insurance Companies in Columbia, SC | Back to Top

The following is a list of home insurance companies that provide the best home insurance quotes in Columbia, SC.

Company Name Coverage $70,000 Coverage $150,000 Coverage $200,000 Coverage $350,000
Geico $899 $1,078 $1,402 $1,935
Allstate $1,535 $1,841 $2,394 $3,303
Farmers $1,393 $1,672 $2,174 $3,000
Universal Insurance $885 $1,062 $1,381 $1,906

Columbia, SC Homeowners Insurance for Different Coverages | Back to Top

Coverage Type Home Insurance Cost($)
$100,000 To $124,999 768.59
$150,000 To $174,999 1,023.83
$175,000 To $199,999 1,156.87
$200,000 To $249,999 1,248.04
$250,000 To $299,999 1,945.95
$300,000 To $399,999 2,753.37
$400,000 To $499,999 3,237.72
$500,000 To $749,999 4,144.28
$750,000 To $999,999 4,791.82
$1000,000 To $1499,999 5,277.48
$1500,000 To $2000,000 5,666

Visual Guide for Columbia, SC Home Insurance Buyers on Insurance Companies and Rates

Top Home Insurance Agents Near Columbia, SC | Back to Top

Home Insurance Company Near Columbia, SC Homeowners Insurance Agency Near Columbia, SC Address
Travelers Ea-Midland Agency Insurance Corporation 22 OFFICE PARK STE 102, COLUMBIA, SC, 29223
Allstate Richard Parker 9400 Two Notch Rd Ste A, Columbia, SC, 29223
Travelers The Tadich Insurance Group 809 SUMMER CREEK DR, ORANGEBURG, SC, 29118

List of Columbia, SC Home Insurance Agents by Companies


Columbia, SC Homeowners Insurance Rates Based on Claims Filed | Back to Top

A discount of $118.68 on the home insurance premium is offered to Columbia, SC homeowners who have no previous history of claims filed, Columbia, SC homeowners with one claim have to file an additional home insurance rate of $49, while Columbia, SC homeowners with 2 claims have to pay $119 more for their home insurance premium.

Type of Claim Homeowners Insurance Cost Increase/Decrease($) Homeowners Insurance Cost($)
No Claim Discount -119 870
One Claim +49 1,038
Two Claim +119 1,108


Columbia, SC Homeowners Insurance by Zip Code | Back to Top

Zip Code Median Home Value($) Home Insurance Cost($)
29203 89,900 1,002
29202 243,800 949
29205 240,900 959
29206 232,800 935
29212 164,000 949
29229 163,200 1,001
29201 160,900 935
29223 144,600 1,003
29209 140,000 1,001
29204 131,800 930
29210 123,900 959

Factors Affecting Home Insurance Premiums in Columbia, SC

Columbia, SC homeowners pay an average home insurance premium of $989. Homeowners in Columbia, SC can lower their home insurance premiums by considering various factors. vHomeInsurance lists the factors that could help homeowners reduce their home insurance premiums.

Columbia, SC Home Insurance Premium Based on the Number of Bedrooms | Back to Top

Bedroom Size Average Homeowners Insurance Cost($)
2 Bedroom 848
3 Bedroom 909
4 Bedroom 1,394
5 Bedroom 2,060

Columbia, SC Home Insurance Premiums for Different Deductibles | Back to Top

Columbia, SC Homeowners with a deductible of $500 pay a higher amount for home insurance, while Columbia, SC homeowners who pay a deductible of $2500 pay a lower amount on their home insurance, as seen in the table below.

Deductible Type Average Homeowners Insurance Cost($)
$500 Deductible 977
$1000 Deductible 884
$1500 Deductible 832
$2000 Deductible 755
$2500 Deductible 710

Columbia, SC Homeowners Insurance Premium Based on the Age of the Home | Back to Top

Homeowners in Columbia, SC pay a much lower home insurance rate if their homes are newly constructed. Homeowners with homes that are older than 50 years pay a much higher rate on their home insurance premium as seen in the table below.

Home Age Homeowners Insurance Cost($)
Newly Constructed Home 762
Year 30 Old 1,004
Year 40 Old 1,015
Year 50 Old 1,027
Above Year 50 1,036

Columbia, SC Homeowners Insurance Cost Based on the Construction Type of the Home | Back to Top

Construction Type Home Insurance Cost Savings($) Home Insurance Cost($)
Fire Resistive 109 880
Masonry 49 940
Brick 49 940
Superior 89 900
Hail Resistant Roof 20 969

Top Saving Tips on Columbia, SC Homeowners Insurance | Back to Top

Columbia, SC Homeowners can earn discounts on homeowners insurance based on the construction type of their home. Homes that are built using damage-resistant materials are considered a safe bet for home insurance companies. Columbia, SC Homeowners can also choose to bundle their home and auto insurance policies to further reduce their home insurance premium. Apart from this, senior citizens also receive substantial discounts from home insurance companies. Homes equipped with home security devices are less prone to burglaries. As a result, Columbia, SC homeowners receive attractive discounts from home insurance companies.

The tables below contain the complete list of discounts that Columbia, SC homeowners can take advantage of to increase their savings.

Columbia, SC Auto & Homeowners Insurance Bundling Discounts and Senior Citizen Discounts

Discount Type Home Insurance Cost Savings($) Home Insurance Cost($)
Bundle Discount 138 851
Retiree Discount (Senior Citizen Discount) 138 1,127
Newly Constructed Home 227 762

Columbia, SC Home Insurance Discounts for Home Safety Devices | Back to Top

Home Safety Devices Home Insurance Cost Savings($) Home Insurance Cost($)
Deadbolts 99 890
Fire Extinguishers 69 920
Smoke Detectors 79 910
Sprinkler System 119 870
Fire Alarm 79 910
Burglar Alarm 89 900
Lightning Protection 30 959

Latest Home Insurance Reviews

Farmer's Insurance
Well my premium is a thousand dollars. Not a big fan. But what can you do right. Hopefully we will never need it.
Allstate
Given our experience with Allstate, I would recommend it to others. However, I cannot attest to whether Allstate is better or worse than other carriers, as I have no basis for comparison.
Amica Mutual Insurance
I have recommended Amica to my daughters for both home and auto. They are happy with them also.
Farmer's Insurance
It offers everything that all the other companies offer. It's deductibles are inline with the other companies.I live in Tampa Bay, and a lot of insurance companies have stopped insuring homes in my area.
State Farm
About the same deductible and premium rates as I was a 24 year-old when negotiating. Not amazing.
Nationwide
I use a local agent and she has been incredibly helpful and kind to my entire family. The coverage is good and anytime I have a question I can call or email her and she always gets back to me quickly with answers.
Farmer's Insurance
The Farmer's Insurance company customer service is very super.
State Farm
At this point, I would recommend them. The issues above, I must take the time and call my agent and have a discussion. The state should place a freeze on increasing policy holders premiums.
State Farm
Whenever i need help and send an email to my agent he replies back right away with answers and fixes things for me right away.
State Farm
There is just no way to compare policy changes online, also, would like to be able to access my documents online.
Allstate
Using the allstate app to make a claim is very easy, helps me to save time and get all the information as i need.
State Farm
The mobile app is extremely easy to use. It is also very convenient to have a direct link to my agent and my insurance cards.
St. Johns Insurance Company
I have no idea if their customer service is good or not since I have never had a need to call them or place a claim during the time that I’ve had them as my insurer.
Centauri Insurance
I would like a yearly review to make sure that I am covered accurately as life changes happen. I would also like to see more variety in discounts available for me to lower my premiums.
Allstate
I am completely satisfied with the company. They offered a much lower rate than my previous company, but had the same coverages. So far the service and pay options have been easy to use.
Allstate
We work with a local agent and the office we work with is quick to respond to our questions and always very helpful. Everyone that works in the office is very helpful and professional.
Progressive
prices are too high
Allstate
So far there is nothing that I do not like.
Progressive
I don't dislike anything about my company. I have had nothing but good experiences since signing with them.
Nationwide
My local agent's customer service is very good. Always responds quickly to my questions and answers any concerns I have. I would highly recommend.
St. Johns Insurance Company
Its been in my family for decades and I remember when the agent would come to our home when I was a child, which I think is a personalized service you don't see anymore. Reputations like that stand out and make you feel like you belong to a family that services your needs
American National Property And Casualty Company
I don't like the fact that when agents change or leave that the customers are just automatically assigned someone even if they are not in your area. I know that they will replace an agent in your area when one leaves, but it would be nice to communicate this is a more professional way than you logging into your account and seeing a new agent.