Elgin Insurance Rates:

Elgin, SC homeowners insurance is roughly $682 to $927, about $56-$77/month. Our thorough research shows customers can save upto $321 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
One very positive characteristic of farmer's insurance is their reasonable pricing. they do not require me to pay extra for coverage i do not need.
Farmer's Insurance
I feel like their store is very plain they could add more modern decorations or anything to make us feel more comfortable.
Progressive
They offer really good deals/discounts for several different tasks like good grades and not getting in wrecks, and since you can bundle your insurance, it allows you to save money on your plan as a whole.
State Farm
When I ever need to talk to someone on the phone about a claim or question that I have about my policy, they are always there and very helpful to answer any questions that I may have about my coverage.
Liberty Mutual
I like that I can feel confident that if I have a question they will answer my question quickly and make sure I fully understand whatever it is I wasn't sure about. The customer service representatives are always pleasant to talk to.
Allstate
Lower and convenient. It’s why I choose them and they were easy to deal with. Other companies were too high in there offers.
Allstate
I don't receive excessive emails or phone calls from them. I receive a monthly email blog which I can choose to read or ignore.

Elgin, SC Homeowners Insurance By Home Value

Elgin, SC Home Value Total Homes % of Total Average Elgin, SC Homeowners Insurance
Less than $50,000 1,040 12.0% $160
$50,000 to $59,999 541 6.0% $345
$60,000 to $69,999 335 3.0% $426
$70,000 to $79,999 402 4.0% $490
$80,000 to $89,999 296 3.0% $562
$90,000 to $99,999 597 7.0% $627
$100,000 to $124,999 1,394 16.0% $723
$125,000 to $149,999 911 10.0% $908
$150,000 to $174,999 665 7.0% $1077
$175,000 to $199,999 737 8.0% $1238
$200,000 to $249,999 888 10.0% $1495
$250,000 to $299,999 345 4.0% $1825
$300,000 to $399,999 311 3.0% $2315

Top Home Insurance Agents Near Elgin, SC

Home Insurance Company Near Elgin, SC Homeowners Insurance Agency Near Elgin, SC Address
Travelers Bray Insurance Group Llc 1022 ST ANDREWS RD SUITE 1, COLUMBIA, SC, 29210
Travelers Jim Robertson Insurance Agency Llc 35 E WESMARK BLVD STE D, SUMTER, SC, 29150
Nationwide Kevin Spencer Agency Llc 952 Sunset Blvd, West Columbia, SC, 29169-6861
State Farm Larry Lucas 2100 Gervais St Ste A, Columbia, SC, 29204-1884
Nationwide Steve Wall & Associates Llc 1010 Dutch Fork Rd, Irmo, SC, 29063

Cost Of Homeowners Insurance By Street Near Elgin, SC

Streets in Elgin Area Homeowners Insurance Cost
State Rd S-28-756, State Rd S-28-55, State Rd S-28-910, Ruger Dr, Watson St, State Rd S-28-793, State Rd S-28-794, Haigs Creek Dr, Old Farm Cir, Snowbank Ln$808
Rabon Cir, Ole Still Ln, Plaza Dr, Blalock Rd, Cricket Hill Dr, Jan St, Jasmine Trl, Ridgeview Rd, Birch Rd, Wooten Pond Rd$839
Dry Branch Rd, Nick Watts Rd, 25 Mile Creek Rd, State Rd S-28-913, McGee Ct, Trantham Rd, Graceland Dr, Cricket Hill Dr, State Rd S-28-5, Aarons Way$820
Smyrna Rd, State Rd S-28-845, Spring Rd, State Rd S-28-843, Redwing Dr, Spring Lake Rd, West St, Conder Rd, Branham St, Marion St S$814
Loblolly Rd, Jesup Ct, Pinecrest Dr, Sherwood Ct, Blackberry Pl, State Rd S-28-275, State Rd S-28-386, State Rd S-28-48, State Rd S-28-622, White Pond Rd$807

Elgin, SC Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Elgin$120 to $123
Lugoff$120
Camden$121
Pontiac$123

Elgin, 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
Lugoff CDP, South Carolina $121 $161 $242
Camden CCD, Kershaw County, South Carolina $122 $162 $243
Pontiac CCD, Richland County, South Carolina $123 $164 $246

Elgin, 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
Elgin, SC6.2%21.8%
Lugoff6.38%20.27%
Camden5.21%18.96%
Pontiac4.89%15.16%

Elgin Renters Insurance as a Percentage of Rent

Elgin Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 33 1.0% $799
$300 to $499 288 17.0% $1249
$500 to $749 631 38.0% $1924
$750 to $999 308 18.0% $2674
$1,000 to $1,499 263 15.0% $3799
$1,500 or more 133 8.0% $5449

Elgin, SC Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,400$2,400
Yearly Elgin Homeowner Insurance Premium Example $1,500$1,000
Out of Pocket Expense During Claim$1,400$2,400
Total Home Insurance Premium for 5 years + Out of Pocket Expense for Claim $8,900$7,400
Net Savings to Elgin Home Owner from High Deductible Plan $1,500

Elgin, SC Home Insurance Costs With Home Replacement Value Scenarios

Scenario Elgin, SC Home Replacement Value MORE than Home Value Elgin, SC Home Replacement Value LESS than Home Value
Replacement Value $212,500 $130,000
Insurance Premium based on Replacement Value $2,050 $1,250
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $53,000 Risk Exposure from Under Insuring Coverage is $29,500
Premium Impact Insurance cheaper by $300/year Insurance costlier by $500/year

Example Elgin Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company GEICO InsuranceLiberty MutualNationwide Insurance
Monthly Premium 49103211
Year Built 198220131997
Home Details 3 Beds, 2 Baths4 Beds, 3 Baths5 Beds, 1 Baths
Coverage Amount $75000-$100000$125000-$150000$300000-$350000
Deductible $1000-$2500 Deductible$500 Deductible$500 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
2010 390,000 Composition Roof 4,120 5 $5000 to $10,000 Deductible 490 4 Stone Siding No
2014 170,000 Asphalt Shingles Roof 1,970 3 $500 Deductible 860 8 Stone Siding yes
2004 130,000 Wood Shake Roof 1,990 3 $500 Deductible 810 8 Wood siding yes
2010 165,000 Composition Roof 2,410 5 $5000 to $10,000 Deductible 60 1 Vinyl siding No
2000 160,000 Slate Shingles Roof 1,680 3 $2500-$5000 Deductible 980 9 Stone Siding No
1995 365,000 Slate Shingles Roof 4,050 5 $5000 to $10,000 Deductible 260 2 Fiber-Cement Siding yes
2005 300,000 Membrane Roof 3,280 5 $500 Deductible 2210 12 Brick siding No
1991 130,000 Shingles Roof 1,380 3 $1000-$2500 Deductible 480 8 Brick siding yes
2012 190,000 Metal Roof 2,380 3 $500 Deductible 400 4 Stucco siding No
1981 120,000 Metal Roof 1,890 3 $2500-$5000 Deductible 70 1 Wood siding yes
1992 195,000 Metal Roof 2,190 3 $500 Deductible 1160 8 Stucco siding yes
1997 210,000 Composition Roof 2,320 4 $2500-$5000 Deductible 470 5 Brick siding No
1991 200,000 Slate Shingles Roof 2,320 3 $500- $1000 Deductible 380 3 Wood siding yes
1986 260,000 Metal Roof 2,860 4 $500- $1000 Deductible 950 7 Brick siding No
2013 180,000 Wood Shake Roof 1,930 4 $5000 to $10,000 Deductible 290 5 Vinyl siding yes
2013 175,000 Asphalt Shingles Roof 1,870 4 $2500-$5000 Deductible 1220 10 Fiber-Cement Siding No
1995 155,000 Membrane Roof 1,980 4 $500- $1000 Deductible 960 12 Vinyl siding yes
1983 190,000 Asphalt Shingles Roof 2,320 3 $500 Deductible 380 3 Brick siding yes
2005 145,000 Membrane Roof 1,770 3 $500- $1000 Deductible 360 4 Wood siding No
1987 135,000 Membrane Roof 1,830 4 $500- $1000 Deductible 320 3 Vinyl siding yes
1998 195,000 Membrane Roof 2,700 4 $500 Deductible 1620 9 Fiber-Cement Siding yes
2013 120,000 Slate Shingles Roof 1,710 4 $500- $1000 Deductible 780 9 Stucco siding yes
2003 225,000 Composition Roof 2,480 4 $500 Deductible 980 7 Wood siding No
1987 170,000 Metal Roof 2,050 3 $500- $1000 Deductible 610 6 Brick siding No
2008 225,000 Shingles Roof 2,560 5 > $10,000 Deductible 640 9 Fiber-Cement Siding yes
2004 170,000 Membrane Roof 1,870 3 $500 Deductible 1300 10 Wood siding yes
2011 295,000 Composition Roof 3,400 4 $2500-$5000 Deductible 160 1 Wood siding No
1990 165,000 Wood Shake Roof 2,380 3 $500- $1000 Deductible 1050 9 Fiber-Cement Siding No