Columbia Insurance Rates:

Columbia ,SC Home Insurance - The cost of homeowners insurance is influenced by a range of factors, including the value of your coverage, deductible, and the construction materials used in your home.

VHome Insurance conducted a thorough analysis of the Columbia, SC homeowners insurance market, taking into account factors like average costs, range of coverages, deductibles and customer satisfaction ratings to determine the best providers. The Average home insurance cost in Columbia, SC is $1861. Enter your zipcode below and click “GO” to get multiple free quotes.

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Home Insurance Companies in Columbia, SC: Customer-Reviewed Options

 

Columbia, SC Homeowners Insurance Rates by Coverage Level

It is important to understand the different coverage options available in Columbia, SC. VHome Insurance will help you navigate the world of homeowners insurance coverages in Columbia, SC.

Coverage Level Average Annual Premium
$100,000 $744
$200,000 $1,265
$300,000 $1,563
$400,000 $2,382
$500,000 $2,996

 

Columbia, SC Homeowners Insurance Rates by ZIP Code

Home insurance costs in Columbia can vary greatly based on location. The frequency of claims in your area can affect the cost of your policy. Simply put, the location of your home can significantly impact your homeowners insurance premium.

Zipcode Average Insurance Premium
029203 $1,698
29202 $1,779
29205 $1,862
29206 $1,869
29212 $1,772
29229 $1,774
29201 $1,801
29223 $1,757
29209 $1,752
29204 $1,745
29210 $1,743

 

Columbia, SC Homeowners Insurance Deductibles

One key aspect of your policy is the deductible, which is the amount you pay out of pocket before your insurance kicks in. Choosing the right deductible can have a major impact on your insurance premiums and overall savings. In this guide, we'll help you understand the options available for homeowners insurance deductibles in Columbia, SC, and how to choose the right one for your needs.

Deductible Level Average Annual Premium
$500 Deductible $1,908
$1000 Deductible $1,707
$1500 Deductible $1,610
$2500 Deductible $1,452
$5000 Deductible $1,228

 

 


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

 

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

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 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