Fort Mill Insurance Rates:

Fort Mill, SC homeowners insurance is about $722 to $984, about $60-$82/month. Our extensive research reveals consumers can save upto $341 by comparing different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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How to Reduce the Cost of Homeowners Insurance in Fort Mill, South Carolina

The average price of home insurance in Fort Mill, South Carolina, is $1458. Fort Mill, South Carolina, is a beautiful place to live, but it's also susceptible to natural disasters like hurricanes and tornadoes. That's why it's important to have homeowners insurance to protect your home and belongings. In a hurricane, homeowners insurance can cover the cost of repairs or provide money for temporary housing if your home is uninhabitable. It also provides liability coverage if someone is injured on your property.

The size of the building, location, age of the house, credit history, coverage, deductibles, the materials used to build your home, and many other variables might affect the homeowner's insurance rates in Fort Mill, South Carolina. Refer to the following details to learn how to reduce your homeowner's insurance rates in Fort Mill, South Carolina.

1. By choosing a higher deductible

When shopping for homeowner's insurance, one of the things you can do to lower your premium is to choose a higher deductible. A deductible is an amount you will have to pay out of pocket before your insurance company will pay a claim. By choosing a higher deductible, you are taking on more risk yourself, but you can save money on your premium. For example, homeowners in Fort Mill, South Carolina, pay premiums of $1440.56 and $1226.76, respectively, for deductibles of 500 and 1500. Homeowner's who chose deductibles of 2000 and 2500, on the other hand, pay $1113.62 and $1046.84, respectively. 


2. By installing security features

Installing your home's security features can help reduce your homeowner's insurance costs. Some security features that can be installed in your house include security alarms, cameras, and deadbolt locks. These security features will help to deter burglars and other criminals from breaking into your home, which can help to lower your risk of having to file a claim with your homeowner's insurance company. In Fort Mill, South Carolina, homeowners pay $1253.88 for houses equipped with deadbolt locks.

3. By maintaining a zero claims history  

If you want to reduce your homeowner's insurance costs, one of the best things you can do is to maintain a zero claims history. This means that you haven't filed any insurance claims in the past and that you're not likely to file any in the future. Insurance companies view this as a sign of responsibility, and it can lead to lower premiums. For example, homeowners in Fort Mill, South Carolina, who have never made a claim, have to pay a premium of $1283.04. In contrast, in Fort Mill, South Carolina homeowners with one or two claims must pay $1560.06 and $1662.12, respectively.

Fort Mill, SC Homeowners Insurance By Home Value

Fort Mill, SC Home Value Total Homes % of Total Average Fort Mill, SC Homeowners Insurance
Less than $50,000 733 5.0% $93
$70,000 to $79,999 169 1.0% $281
$90,000 to $99,999 339 2.0% $349
$100,000 to $124,999 1,136 8.0% $409
$125,000 to $149,999 1,311 10.0% $511
$150,000 to $174,999 1,288 9.0% $605
$175,000 to $199,999 888 6.0% $699
$200,000 to $249,999 2,682 20.0% $844
$250,000 to $299,999 1,764 13.0% $1032
$300,000 to $399,999 2,299 17.0% $1313

Top Home Insurance Agents Near Fort Mill, SC

Home Insurance Company Near Fort Mill, SC Homeowners Insurance Agency Near Fort Mill, SC Address
Nationwide Eddie Wyatt Agency Inc 3530 Mount Holly-Huntersville Rd Suite C, Charlotte, NC, 28216-1807
Allstate Joy Fedelim 7551 Wiles Rd Ste 102, Charlotte, NC, 28277
Nationwide Michael Bare 235 East Main Ave, Gastonia, NC, 28052-4142
Travelers Springs Insurance 6277 CAROLINA COMMONS DR STE 800, INDIAN LAND, SC, 29707
State Farm Stephen Mitchell 201 W Main Ave, Gastonia, NC, 28052-4140

Fort Mill, SC Home Insurance Agents for Top Companies

Fort Mill, 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
Riverview CDP, South Carolina $116 $155 $233
Tega Cay city, South Carolina $131 $175 $263
India Hook CDP, South Carolina $122 $162 $243

Fort Mill, 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
Fort Mill, SC4.3%19.5%
Tega Cay4.07%16.12%
India Hook5.95%16.31%

Fort Mill Renters Insurance as a Percentage of Rent

Fort Mill Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$300 to $499 255 7.0% $1227
$500 to $749 644 18.0% $1902
$750 to $999 1,013 29.0% $2652
$1,000 to $1,499 941 27.0% $3777
$1,500 or more 531 15.0% $5427

Fort Mill, SC Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Yearly Fort Mill Homeowner Insurance Premium Example $2,000$1,600
Out of Pocket Expense During Claim$1,400$3,400
Total Home Insurance Premium for 7 years + Out of Pocket Expense for Claim $15,400$14,600
Net Savings to Fort Mill Home Owner from High Deductible Plan $800

Fort Mill, SC Home Insurance Costs With Home Replacement Value Scenarios

Scenario Fort Mill, SC Home Replacement Value MORE than Home Value Fort Mill, SC Home Replacement Value LESS than Home Value
Replacement Value $280,500 $174,500
Insurance Premium based on Replacement Value $2,675 $1,650
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $46,500 Risk Exposure from Under Insuring Coverage is $59,500
Premium Impact Insurance cheaper by $575/year Insurance costlier by $450/year

Example Fort Mill Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company GEICO InsuranceTravelersAmica Mutual Insurance Company
Monthly Premium 129154379
Year Built 200419912013
Home Details 3 Beds, 2 Baths4 Beds, 3 Baths5 Beds, 1 Baths
Coverage Amount $250000-$300000$300000-$350000$500000-$600000
Deductible $1000-$2500 Deductible$2500-$5000 Deductible$1000-$2500 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
2003 195,000 Shingles Roof 1,630 4 $1000-$2500 Deductible 1400 10 Fiber-Cement Siding yes
2011 220,000 Slate Shingles Roof 2,040 4 $5000 to $10,000 Deductible 430 4 Brick siding No
1991 395,000 Metal Roof 3,250 4 > $10,000 Deductible 2090 12 Stucco siding yes
1995 165,000 Asphalt Shingles Roof 1,370 3 $500- $1000 Deductible 990 10 Fiber-Cement Siding No
2010 470,000 Metal Roof 4,330 5 $1000-$2500 Deductible 760 3 Brick siding No
2012 130,000 Metal Roof 1,220 3 $1000-$2500 Deductible 310 6 Stone Siding No
2011 460,000 Asphalt Shingles Roof 4,260 5 $500 Deductible 4000 12 Fiber-Cement Siding No
1990 190,000 Wood Shake Roof 1,550 5 $500 Deductible 930 7 Wood siding yes
2013 330,000 Asphalt Shingles Roof 2,420 4 $2500-$5000 Deductible 900 8 Brick siding No
2014 135,000 Composition Roof 1,350 3 $500 Deductible 570 7 Wood siding No
2012 225,000 Metal Roof 1,740 4 $2500-$5000 Deductible 840 9 Wood siding yes
2001 550,000 Metal Roof 4,310 5 $1000-$2500 Deductible 2440 7 Vinyl siding No
2013 185,000 Tile Roof 1,610 4 $2500-$5000 Deductible 440 6 Stone Siding No
1992 425,000 Asphalt Shingles Roof 3,300 4 > $10,000 Deductible 1390 12 Stone Siding No
2002 445,000 Membrane Roof 4,480 5 $2500-$5000 Deductible 410 2 Wood siding No
1999 465,000 Tile Roof 4,690 5 $2500-$5000 Deductible 3080 10 Wood siding No
2006 535,000 Slate Shingles Roof 3,820 5 $2500-$5000 Deductible 2500 8 Vinyl siding yes
2004 200,000 Tile Roof 1,940 5 $1000-$2500 Deductible 440 5 Fiber-Cement Siding yes
2003 240,000 Wood Shake Roof 2,370 4 $2500-$5000 Deductible 1010 9 Vinyl siding yes
2006 370,000 Shingles Roof 2,920 4 > $10,000 Deductible 440 3 Fiber-Cement Siding yes
1996 235,000 Wood Shake Roof 1,890 4 $500 Deductible 1140 8 Stone Siding No
2008 185,000 Composition Roof 1,400 3 $500- $1000 Deductible 400 5 Brick siding No
2010 255,000 Tile Roof 2,040 4 $2500-$5000 Deductible 1790 10 Fiber-Cement Siding No
1993 300,000 Wood Shake Roof 2,310 5 $1000-$2500 Deductible 790 6 Vinyl siding yes
2011 315,000 Asphalt Shingles Roof 2,320 5 $2500-$5000 Deductible 1440 12 Stucco siding yes
2004 145,000 Membrane Roof 1,430 3 $2500-$5000 Deductible 570 6 Brick siding No
2012 130,000 Tile Roof 1,280 3 $500 Deductible 1300 12 Fiber-Cement Siding No
2007 425,000 Wood Shake Roof 3,160 4 $500- $1000 Deductible 960 4 Vinyl siding yes
2006 180,000 Shingles Roof 1,580 5 $5000 to $10,000 Deductible 310 3 Fiber-Cement Siding yes
2000 350,000 Membrane Roof 3,340 4 $500 Deductible 260 1 Fiber-Cement Siding No
2001 210,000 Wood Shake Roof 1,820 4 $2500-$5000 Deductible 1090 12 Fiber-Cement Siding No
1999 180,000 Composition Roof 1,530 5 $500 Deductible 1330 9 Brick siding yes
2012 270,000 Tile Roof 1,850 5 $5000 to $10,000 Deductible 180 2 Wood siding No

Latest Home Insurance Reviews

Liberty Mutual
I would recommend them if someone where looking to save money on homeowners insurance. I would also recommend them because they have good customer service.
Premium is very high, due to the area we live in. However, it is in line with others in our area.
Every time I've called Progressive's customer service, the member I've talked to has been incredibly polite, helpful and knowledgeable. It was not a chore talking to their customer service.
Geico home insurance company offers policies that are compared to other insurance companies though they seem to go the extra mile with their customer service members.
State Farm
that should we need it, it would be helpful and we would be okay. I really haven't researched much about other companies so not sure how they compare, but they have served our purposes.
Liberty Mutual
Yes, Liberty Mutual Insurance Is Expensive.It May Be Well Worth It. Liberty Mutual Insurance sure isn't the cheapest deal. ... In fact, spending more on your insurance policy can actually save you money in the long run.
I love my policy and I also give it a 5 out of five because it helps me be the best me and it rewards you for your safe driving and it is very affordable
Geico's customer services is responsive and fair. When I talk with customer service they are knowledgeable and helpful. They was one time where I disagreed with them but it was debatable.
I would recommend Progressive because the customer service is great and you can bundle to save money with this company. The website is very easy to use to check information for your policies
Liberty Mutual
Premium is about what I would expect although it continually goes up. I believe that this is typical of all insurance companies but I would like to see rates stabilize
I never really compare them to others because I just went with the one that was recommended to me. I probably should have shopped around a bit but I'm pretty happy with what I pay.
Farmer's Insurance
It is very comforting and reassuring to know that my insurance agent's office is in my neighborhood, located about one mile from my house.
State Farm
There aren’t too many things that i dislike about state farm, to be honest. that being said, i do find them to be a little on the pricey side, especially for their respected premium.
I really like how all state is very quick to return my calls. once i have a very bad leak in my upstairs bathroom, and i called them for assistance, and they returned my phone call within 45 minutes. when choosing my home insurance company, i chose all state for this reason.
I have no particular claim that I dislike about the company at present. I have not had any problems with communication payments or claims
Farmer's Insurance
The premium that we have is comparable to the area that we live in. Kansas is a tax-happy state and how the insurance is done that it takes into account the whole state and not just your area.
next time they going to call the homeowner if they can't fix the exact date
State Farm
The deductible is high, but that is too be expected. We kind of shopped around for rates and they seemed comparable.

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