Columbia Insurance Rates:

Columbia, SC homeowners 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. Enter your zipcode below and click “GO” to get multiple free quotes.

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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.
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.

Columbia, SC Homeowners Insurance By Home Value

Columbia, SC Home Value Total Homes % of Total Average Columbia, SC 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

Top Home Insurance Agents Near Columbia, SC

Home Insurance Company Near Columbia, SC Homeowners Insurance Agency Near Columbia, SC Address
NA Woody Stoudemire Co Inc 311 N Lake Dr, Lexington, SC, 29072
NA All Mobile Ins Services 108 N Lake Dr Ste A, Lexington, SC, 29072
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

Columbia, SC Home Insurance Agents for Top Companies


Cost Of Homeowners Insurance By Street Near Columbia, SC

Streets in Columbia Area Homeowners Insurance Cost
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

Columbia, SC Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Columbia$122 to $124
Forest Acres$124
Arcadia Lakes$133
Woodfield$118

Columbia, SC Auto & Homeowners Insurance Bundling Discounts

Place 1 Car Bundle Savings On Insurance 2 Car Bundle Savings On Insurance 3 Car Bundle Savings On Insurance
Forest Acres city, South Carolina $125 $166 $249
Arcadia Lakes town, South Carolina $133 $177 $266
Woodfield CDP, South Carolina $119 $158 $237

Columbia, SC Area Home Insurance as a % of Housing Cost

PlaceHome insurance as a % of housing cost for homes with mortgageHome insurance as a % of housing cost for homes without mortgage
Columbia, SC5.4%17.2%
Forest Acres5.09%15.24%
Arcadia Lakes3.93%14.49%
Woodfield6.11%20.09%

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

Columbia, SC Homeowners 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

Columbia, SC Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$700$2,700
Yearly Columbia Homeowner Insurance Premium Example $1,800$1,300
Out of Pocket Expense During Claim$700$2,700
Total Home Insurance Premium for 5 years + Out of Pocket Expense for Claim $9,700$9,200
Net Savings to Columbia Home Owner from High Deductible Plan $500

Columbia, SC Home Insurance Costs With Home Replacement Value Scenarios

Scenario Columbia, SC Home Replacement Value MORE than Home Value Columbia, SC Home Replacement Value LESS than Home Value
Replacement Value $100,000 $72,500
Insurance Premium based on Replacement Value $875 $625
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $16,000 Risk Exposure from Under Insuring Coverage is $11,500
Premium Impact Insurance cheaper by $100/year Insurance costlier by $150/year

Example Columbia Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company State FarmLiberty MutualChubb Group of Insurance
Monthly Premium 101123178
Year Built 197819641985
Home Details 2 Beds, 1 Baths5 Beds, 1 Baths3 Beds, 1 Baths
Coverage Amount $150000-$175000$250000-$300000$250000-$300000
Deductible $500 Deductible$5000 to $10,000 Deductible$500- $1000 Deductible

Sample Home Insurance Rates for Columbia, SC from Consumer Reviews & Surveys

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1975 155,000 Asphalt Shingles Roof 1,480 2 $2500-$5000 Deductible 660 6 Brick siding No
2014 310,000 Slate Shingles Roof 3,140 4 $500 Deductible 1280 8 Wood siding No
1962 130,000 Composition Roof 1,500 3 $500 Deductible 920 10 Stone Siding No
1989 470,000 Slate Shingles Roof 4,590 5 $2500-$5000 Deductible 2980 9 Stucco siding No
2010 165,000 Membrane Roof 2,060 3 $5000 to $10,000 Deductible 590 9 Wood siding yes
2014 130,000 Composition Roof 1,470 3 $2500-$5000 Deductible 220 3 Fiber-Cement Siding No
1985 110,000 Membrane Roof 1,310 2 $1000-$2500 Deductible 380 7 Stucco siding No
2010 90,000 Asphalt Shingles Roof 1,230 2 $2500-$5000 Deductible 410 9 Vinyl siding yes
1962 215,000 Asphalt Shingles Roof 2,340 3 $500- $1000 Deductible 470 4 Vinyl siding No
1978 235,000 Composition Roof 2,360 3 $2500-$5000 Deductible 320 2 Fiber-Cement Siding yes
1986 175,000 Wood Shake Roof 2,120 5 $500 Deductible 650 5 Fiber-Cement Siding No
1972 85,000 Asphalt Shingles Roof 1,150 2 $1000-$2500 Deductible 300 8 Wood siding No
2014 195,000 Slate Shingles Roof 2,490 4 $500- $1000 Deductible 1550 12 Stone Siding yes
2014 240,000 Composition Roof 2,570 4 > $10,000 Deductible 750 10 Brick siding No
1983 190,000 Metal Roof 1,890 5 $1000-$2500 Deductible 100 1 Brick siding No
1985 120,000 Slate Shingles Roof 1,270 2 $1000-$2500 Deductible 70 1 Vinyl siding No
1987 255,000 Membrane Roof 2,580 4 > $10,000 Deductible 480 5 Vinyl siding No
1964 220,000 Membrane Roof 2,990 4 $5000 to $10,000 Deductible 610 6 Stucco siding No
2011 180,000 Metal Roof 2,050 5 $2500-$5000 Deductible 410 4 Brick siding No
2011 205,000 Shingles Roof 2,360 4 $2500-$5000 Deductible 590 6 Fiber-Cement Siding yes
1973 110,000 Wood Shake Roof 1,410 2 $1000-$2500 Deductible 690 10 Fiber-Cement Siding yes
1979 290,000 Asphalt Shingles Roof 3,490 5 $5000 to $10,000 Deductible 360 3 Wood siding yes
1979 125,000 Shingles Roof 1,410 3 $500 Deductible 940 12 Wood siding yes
1986 120,000 Shingles Roof 1,490 2 $2500-$5000 Deductible 500 8 Wood siding yes
1970 275,000 Membrane Roof 3,640 5 $2500-$5000 Deductible 830 7 Wood siding yes
2011 145,000 Membrane Roof 1,890 4 $500- $1000 Deductible 370 4 Vinyl siding No
1967 340,000 Slate Shingles Roof 3,970 5 $500 Deductible 190 1 Stone Siding No
1984 220,000 Asphalt Shingles Roof 3,040 4 $500 Deductible 1070 7 Fiber-Cement Siding yes
1968 80,000 Slate Shingles Roof 1,100 2 $2500-$5000 Deductible 30 1 Brick siding No
1968 270,000 Shingles Roof 3,100 4 $500 Deductible 440 3 Vinyl siding yes
1954 60,000 Tile Roof 1,237 3 > $10,000 Deductible 580 10 Wood siding No

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