Greenville Insurance Rates:

Greenville, SC homeowners insurance is approximately $696 to $943, about $58-$78/month. Our detailed analysis indicates shoppers can save upto $328 by comparing different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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The Cost of Insuring Your Home in Greenville, SC

Greenville, SC homeowners are paying an average of $1,100 in home insurance each year. Factors that affect the cost of a policy include coverage type, deductible and age or material used to build your house. In general it is difficult to compare rates across providers since premiums can vary significantly based on factors like the amount you want covered (coverage) and how willing you are to pay out-of-pocket costs before receiving any compensation from your insurer (deductible).Below is the summary of average home insurance costs available to Greenville, SC Homeowners based on the coverage and other variables.

Greenville, SC Home Insurance Cost for different Deductibles.

The_Cost_of_Insuring_Your_Home_in_Greenville_SC

Homeowners can buy cheap home insurance rates based on the coverage. The amount that is covered for an individual by their service provider, correlates to how much they want to be cover and higher amounts of coverage come with a cost; meaning homeowners will have higher monthly premiums if they choose more protection from their insurer.Greenville homeowners paying a coverage of $1,00,000  can avail of home insurance for $527.74 . Homeowners receive insurance for $3,111.87 and $3,983.19, respectively, on coverages $400,000 and $500,000.

There are many ways to save money on home insurance, and choosing a high deductible is one of the easiest. Homeowners in Greenville can get $790 worth of coverage for as little as $2500 with an attractive discount available by opting for higher deductibles.Homeowners receive insurance for $840 and $926 respectively, on deductibles $2000 and $1500.

When it comes to home insurance, new developments are often cheaper and more common than older homes. This is especially true in Greenville where newly constructed houses can avail lower insurance rates because newer buildings have a lesser threat of damage from potential events like fire or theft. As a result, home-insurance companies offer substantial discounts for recently built properties. For Instance newly constructed Greenville homes can avail lower insurance of $858 since newly built homes have a lesser threat of damage. As a result, home insurance companies offer substantial discounts to newly constructed homes. On the other hand, older homes attract higher insurance rates, since they are more prone to damage. As a result, Greenville homes older than 40 and 50 years receive an additional cost of $1,129and $1,142, respectively.

The house's construction type is considered an integral factor in determining the cost of home insurance by insurance companies. The more resistant your house is to damage, the less is the average insurance cost.For example, if the house is built with a fire-resistive, homeowners in Greenville can avail of the insurance for an average cost of $946. Insurance companies Greenville Springs offer home insurance for $1045 for homes built with Masonry and Brick. Homes constructed with superior and hail resistant roofs attract a higher amount $990 and $1067 respectively.

Apart from the standard features that insurance companies look for when determining rates, homeowners can get cheap home insurance rates from their providers based on the security features they have.Homeowners with good security features or seniors in the household will be offered lower prices for their coverage.

Greenville, SC, Discounts on Homeowners Insurance

Homeowners in Greenville, South Carolina, pay an average home insurance rate of $1100. This is significantly lower than the national average premium of $1,438. Greenville homeowners can make use of discounts offered by home insurance companies to further reduce their home insurance rates. Below is a list of discounts offered to Greenville homeowners.

Greenville_SC_Discounts_on_Homeowners_Insurance

Home insurance companies provide discounts to Greenville homeowners based on the construction materials used to build the house. Greenville homes that are built using sturdy materials make them more resistant to damage, earning them considerable discounts from home insurance companies. For example, Greenville homes constructed using fire-resistive materials and superior materials get discounts of $154 and $110, respectively, on their homeowners insurance. Homes built using masonry and brick earn a discount of $55, while homes that have a hail resistant roof get a $33 discount. Newly constructed Greenville homes receive discounts of $242 on home insurance rates.

Home insurance companies provide special discounts to Greenville homeowners based on their profession. Teachers, army personnel, and federal government employees can avail of special discounts on homeowners insurance. Also, senior homeowners in Greenville can avail of discounts of up to $154 on homeowners insurance. Home insurance companies provide discounts to homeowners, depending on their claims history. Home insurance rates in Greenville can increase by up to $154 based on the type and number of claims. Greenville homeowners with a claims-free history can avail of discounts of up to $132 on home insurance.

The property crime rate in Greenville is 43.16 per 1,000 residents. Specifically, the burglary rate in Greenville is 5.91 per 1,000 residents. Homes equipped with safety devices are less prone to burglaries. Home insurance companies encourage Greenville homeowners to enhance the safety features of their homes by offering attractive discounts as incentives. For instance, Greenville homes with deadbolts and fire extinguishers can avail of discounts of $121 and $110, respectively, on homeowners insurance. Homes installed with burglar alarms and smoke detectors receive a discount of $99 and $121, respectively, on homeowners insurance.

Additionally, home insurance companies offer discounts to homeowners based on their lifestyle choices. Greenville homeowners can earn considerable amounts of discounts if all the household members are non-smokers. Households without pets and swimming pools can also avail of discounts on home insurance.

How To Choose The Best Greenville, SC, Home Insurance Company

The average homeowner's insurance in Greenville, SC, is $827 per annum. According to Vhome’s analysis, Greenville homeowners can save as much as $328 by comparing quotes and reviews from different home insurance companies.

Home Insurance Company Ratings

Greenville homeowners can narrow their search on home insurance companies with the help of the ratings awarded to them by reputable agencies. For example, A.M. Best awarded a financial strength rating of A+ (superior) to USAA, and J.D. Power awarded a rating of 5/5 for customer satisfaction.

Comparing Quotes

Home insurance agents work with Greenville homeowners to provide personalized quotes depending on their requirements. Home insurance companies provide discounts to homeowners by taking different features of the home into consideration, such as the age of home, safety features, and distance to public agencies, before deciding on the quote.

Add-on Policies

Home insurance companies have numerous endorsements and add-on coverage policies to meet the requirements of Greensville homeowners. The endorsements and add-on coverage policies vary between one home insurance company to another. Greensville homeowners are recommended to choose the insurance company that offers add-on policies that best suit their needs.

Customer Support

Greenville homeowners are recommended to choose home insurance companies that provide 24/7 customer support. Home insurance companies should be quick to address customer queries. J.D. Power’s customer satisfaction score will help Greensville homeowners choose companies that offer good customer service.

Processing Claims

Home insurance companies require proof of loss statements along with documentation to process claims. The speed at which claims are processed varies between one home insurance company to another, with 40 days being the maximum time as dictated by state law. Greenville homeowners are advised to choose home insurance companies that require minimalist documentation and process claims swiftly.

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Greenville, SC Homeowners Insurance By Home Value

Greenville, SC Home Value Total Homes % of Total Average Greenville, SC Homeowners Insurance
Less than $50,000 4,704 8.0% $131
$50,000 to $59,999 1,324 2.0% $270
$60,000 to $69,999 2,193 3.0% $336
$70,000 to $79,999 2,152 3.0% $393
$80,000 to $89,999 3,036 5.0% $442
$90,000 to $99,999 3,072 5.0% $500
$100,000 to $124,999 6,681 11.0% $574
$125,000 to $149,999 7,119 12.0% $721
$150,000 to $174,999 6,432 11.0% $852
$175,000 to $199,999 4,980 8.0% $984
$200,000 to $249,999 6,292 11.0% $1189
$250,000 to $299,999 4,273 7.0% $1451
$300,000 to $399,999 4,582 8.0% $1845

Top Home Insurance Agents Near Greenville, SC

Home Insurance Company Near Greenville, SC Homeowners Insurance Agency Near Greenville, SC Address
NA Hemly Insurance Group, Llc 304 E. Frontage Road , Greer, SC, 29651
Travelers Compass Insurance Group Llc 118 SOUTHPORT RD, SPARTANBURG, SC, 29306
Liberty Mutual Independent Correll Ins Group Inc - Laurens 210 HILLCREST DR, LAURENS, SC, 29360
Allstate Dean Price 117 Whitehall Rd, Anderson, SC, 29625
Nationwide Fletcher Anderson Agency 1500 W MAIN ST, CENTRAL, SC, 29630

Greenville, SC Home Insurance Agents for Top Companies


Cost Of Homeowners Insurance By Street Near Greenville, SC

Streets in Greenville Area Homeowners Insurance Cost
E Mountain Creek Rd, Co Rd 840, Christopher St, Affirmed Ct, S Fairfield Rd, Saluda Ridge, Garden Trl, Clifton Grove Way, Valentine St, Fortuna Dr$775
Shoppers Dr, Co Rd 520, Co Rd 440, Pinefield Dr, Berryhill Ct, Ruskin Sq, E 5th St, Co Rd 377, Olde Orchard Ln, Pinnacle Dr$800
Ymca St, Pine Lake Cir, Flicker Dr, Co Rd 382, Savannah St, Roe Ford Rd, Old Country Rd, Berea Forest Cir, Berea Dr, Sheraton Ct$775
Mountain Chase Dr, Indian Springs Dr, Apricot Ln, Alderberry Dr, W 6th St, Evergreen Cir, Glengrove Dr, Spring Tree Dr, Titleist Ct, Sumner St$870
Townes St, Ebenezer Rd, Pepperbush Ct, Old Hunts Bridge Rd, Springer St, Lynchester Ln, W Faris Rd, S del Norte Rd, Dobbs St, K Mart Plz$789
Brantford Ln, Lee Ave, Green Leaf Dr, State Frontage Rd 1118, Manchester Dr, Biscayne Dr, Lakeshore Dr, Pennine Dr, Hedgerow Dr, Laurel Creek Ln$801
A D Asbury Dr, Burdock Ct, J-1021, Charlene Dr, Windward Ct, Wembley Rd, Kinross Row, Drummond Ct, Stradley Ter, Co Rd 855$843
Skyland Dr, Vanderbilt Cir, Stall St, Arcadia Cir, Grenoble Ct, D-226, Tamburlaine Ct, Co Rd 982, Swindon Cir, Alden Ct$839
Antelone Ct, Midland St, S Brown St, Loblolly Ln, Luther St, Spring Valley Rd, W Faris Rd, Speed St, Coleman Ct, Rainstone Dr$824
Fair St, Beech St, Hedge St, Blackberry Ct, Co Rd 365, Co Rd 169, Carolina Dr, Rangeview Cir, Channel Dr, Woodway Ct$828

Greenville, SC Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Greenville$122 to $125
Wade Hampton$123
Greenville County$122
City View$115

Greenville, 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
Wade Hampton CDP, South Carolina $103 $137 $205
Greenville County, South Carolina $102 $136 $204
City View CDP, South Carolina $96 $128 $192

Greenville, 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
Greenville, SC5.3%19.9%
Wade Hampton5.26%19.26%
Greenville County5.44%20.66%
City View8.44%14.89%

Greenville Renters Insurance as a Percentage of Rent

Greenville Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 817 2.0% $342
$200 to $299 1,317 3.0% $792
$300 to $499 4,009 10.0% $1242
$500 to $749 15,076 38.0% $1917
$750 to $999 11,097 28.0% $2667
$1,000 to $1,499 5,113 13.0% $3792
$1,500 or more 1,356 3.0% $5442

Greenville, SC Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$500$1,500
Yearly Greenville Homeowner Insurance Premium Example $1,000$800
Out of Pocket Expense During Claim$500$1,500
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $8,500$7,900
Net Savings to Greenville Home Owner from High Deductible Plan $600

Greenville, SC Home Insurance Costs With Home Replacement Value Scenarios

Scenario Greenville, SC Home Replacement Value MORE than Home Value Greenville, SC Home Replacement Value LESS than Home Value
Replacement Value $298,000 $195,500
Insurance Premium based on Replacement Value $2,025 $1,325
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $43,000 Risk Exposure from Under Insuring Coverage is $59,500
Premium Impact Insurance cheaper by $400/year Insurance costlier by $300/year

Example Greenville Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company TravelersAmica Mutual Insurance CompanyLiberty Mutual
Monthly Premium 1519695
Year Built 200019832011
Home Details 4 Beds, 2 Baths5 Beds, 3 Baths3 Beds, 1 Baths
Coverage Amount $300000-$350000$250000-$300000$200000-$250000
Deductible $2500-$5000 Deductible$5000 to $10,000 Deductible$2500-$5000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1972 200,000 Asphalt Shingles Roof 1,830 3 $500 Deductible 1080 8 Stucco siding No
1962 220,000 Slate Shingles Roof 2,620 4 $1000-$2500 Deductible 420 4 Stone Siding No
1985 310,000 Composition Roof 3,490 5 > $10,000 Deductible 360 4 Brick siding No
2008 155,000 Shingles Roof 1,590 2 $500- $1000 Deductible 740 9 Stone Siding yes
1981 195,000 Slate Shingles Roof 2,070 3 $2500-$5000 Deductible 1570 12 Vinyl siding yes
1964 410,000 Composition Roof 4,980 5 $1000-$2500 Deductible 2190 10 Brick siding yes
1990 85,000 Wood Shake Roof 920 2 $1000-$2500 Deductible 520 10 Vinyl siding No
2001 265,000 Shingles Roof 2,650 4 $1000-$2500 Deductible 130 1 Stucco siding No
1968 155,000 Wood Shake Roof 1,670 2 $5000 to $10,000 Deductible 230 3 Brick siding yes
1980 240,000 Shingles Roof 2,270 5 $500 Deductible 840 4 Vinyl siding yes
2014 125,000 Tile Roof 1,230 3 $2500-$5000 Deductible 240 4 Vinyl siding No
1985 185,000 Membrane Roof 1,740 4 $500 Deductible 1000 7 Stucco siding yes
2014 210,000 Slate Shingles Roof 2,160 3 $500 Deductible 690 6 Fiber-Cement Siding yes
1983 240,000 Composition Roof 2,330 4 $500 Deductible 380 2 Stucco siding yes
1977 125,000 Asphalt Shingles Roof 1,380 2 $1000-$2500 Deductible 610 9 Stone Siding yes
1999 135,000 Asphalt Shingles Roof 1,540 2 $2500-$5000 Deductible 310 5 Vinyl siding yes
1993 285,000 Asphalt Shingles Roof 3,770 5 $500 Deductible 540 3 Fiber-Cement Siding yes
2014 150,000 Membrane Roof 1,410 2 $500- $1000 Deductible 1010 12 Wood siding yes
1965 405,000 Tile Roof 4,530 5 $500- $1000 Deductible 3060 10 Brick siding yes
1999 110,000 Slate Shingles Roof 1,450 2 $500 Deductible 680 7 Stone Siding No
2012 145,000 Shingles Roof 1,660 2 $500 Deductible 1010 12 Wood siding yes
1983 110,000 Tile Roof 1,060 2 $500- $1000 Deductible 630 8 Brick siding No
2004 185,000 Composition Roof 2,060 4 $500- $1000 Deductible 320 4 Stone Siding No
1962 120,000 Membrane Roof 1,230 2 $500 Deductible 1060 12 Stone Siding yes
1990 260,000 Membrane Roof 3,000 4 $1000-$2500 Deductible 830 6 Brick siding No
1993 180,000 Asphalt Shingles Roof 1,920 5 $5000 to $10,000 Deductible 320 5 Brick siding yes
1995 310,000 Metal Roof 3,000 4 $500 Deductible 1200 7 Stone Siding yes
2004 215,000 Tile Roof 2,690 4 $500 Deductible 630 4 Vinyl siding yes
1997 90,000 Membrane Roof 1,060 2 $500 Deductible 50 1 Stone Siding yes
1971 350,000 Membrane Roof 4,690 5 > $10,000 Deductible 170 1 Stone Siding No
1969 230,000 Metal Roof 2,512 4 $500 Deductible 1730 9 Stone Siding No

Latest Home Insurance Reviews

State Farm
the premium and the deductible of my policy in comparison with the other insurance policies, it is very profitable I can decide how much they will deduct me and when using my policy the cost is very good
Allstate
I recommend Allstate because their agents are so well trained to assess your coverage needs and work with you.The agent I had was very much in tune with what type of coverage works best in my area.
Allstate
With Allstate, it's easier than ever to file a claim or track an existing one. The claims team is there when you need it most to help guide you through the process.
State Farm
The deductible and premium are fairy consistent across all providers. Most premiums were consistent on how much cheaper they were when you took on a higher deductible.
Progressive
I picked a higher deductible so my premiums are low. It is paid in with my house payment, so I do not have another bill to pay.
State Farm
I have always had state farm insurance for my homeowners policy. From what I have researched, I have got to say it was one of the few companies that offered the protection I wanted and needed. So, I stayed with them.
Nationwide
My premium and deductible are very high, higher than average. But that is because of my own credit score and bad standing with previous insurances. I have called around to different companies for prices.
Progressive
I know that the premium was lower than other companies I looked at. I didn't really compare the deductibles. I just trusted my agent.
Geico
I think their policy offerings are comparable to large national competitors. I don't have any complaints there but I could be missing something.
Allstate
I love the customer service of allstate. they are always available to talk and are very informative about any questions we might have.
Geico
Customer service is great with them. they are always quick to respond whenever i have a problem. they are fast and friendly every time. they have always solved my issues.
Centauri Insurance
Agent calls the company quickly in response to a claim. having my house and car together is a convenience. billing is done and paid for on line. they review my policy once a year would like it done more often and would like to have more options for deductibles.
Allstate
State Farm wanted to charge me $1400 for the same house. After years of paying their high premiums, I felt awful knowing that a little shopping around on my part could have saved my family hundreds every year.
South Carolina Home Insurance
My insurance is the best insurance! best flood and weather watch insurance! protect your stuff!! i lost my house back in 2014 and they gave me my money back! hardcore parkour!
Farmer's Insurance
I don't like insurance overall. It's a rip-off. Will be looking for another company in next few months.
State Farm
All employees have been very helpful. When I call the office they seem to make me a priority. I have received text reminders about payment due, which I like the most
Allstate
I have been using all state for 2 years now and their customer service has all been great and very helpful when I needed them
State Farm
Sometimes I can get a hold of the agency when I need to, but the actual company is fine and I have no complaints
State Farm
Approximately six months ago, I had a claim and the company processed the claim very quickly. My claim was very straightforward, but I appreciated not having to jump through lots of unnecessary hoops to get reimbursed.
Allstate
I receiving the offers later. so i was completely dissatisfied.
Allstate
It could be a lot simpler and interpretative. It really takes a lot of time in loading all the information that is needed.
Allstate
They are efficient, friendly and competent. I have no general problems with them or how they conduct business.
State Farm
They are a great company that is willing to accommodate your needs and special situations. Their customer service is great and I believe that the extra 3% of my premium makes up for the customer service that a lot of other companies have even with low premiums
Allstate
I have not had to file a claim with our homeowner's insurance with Allstate so I don't know how their response and resolution time will be.
National General
I like how the agents are patient and answer all my questions. They aren't rushed and don't oversell. I got the coverage I needed and nothing was left out.
Geico
I would definitely recommend a Geico home insurance policy because they are fair and easy to contact if needed.They have good coverage for competitive prices.
Nationwide
They have great customer service. They are always willing to help out if I have questions. There prices are very competitive with any other company I have ever gotten quotes from.
St. Johns Insurance Company
I don't dislike anything about this company, to be honest
St. Johns Insurance Company
They have an affordable premium, and it is rolled into our mortgage payment each month, which is convenient. In eleven years we have filed one claim, and although it took a long time and lots of negotiation to settle the claim, they did finally issue me a check, and I was satisfied with the amount.
Gulfstream Property And Casualty Insurance Company
I would like it if they had a website where I could go directly. Right now the only way to deal with them is through my independent agent, who's great but a website would be quicker.

How To Make Your Greenville, SC Home Insurance Cheaper

How Much Does Greenville, SC Home Insurance Cost?