Rock Hill ,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 Rock Hill, 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 Rock Hill, SC is $1893. Enter your zipcode below and click “GO” to get multiple free quotes.
It is important to understand the different coverage options available in Rock Hill, SC. VHome Insurance will help you navigate the world of homeowners insurance coverages in Rock Hill, SC.
| Coverage Level | Average Annual Premium |
|---|---|
| $100,000 | $757 |
| $200,000 | $1,287 |
| $300,000 | $1,590 |
| $400,000 | $2,423 |
| $500,000 | $3,048 |
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 Rock Hill, SC, and how to choose the right one for your needs.
| Deductible Level | Average Annual Premium |
|---|---|
| $500 Deductible | $1,941 |
| $1000 Deductible | $1,736 |
| $1500 Deductible | $1,637 |
| $2500 Deductible | $1,477 |
| $5000 Deductible | $1,249 |
| Home Insurance Company Near Rock Hill, SC | Homeowners Insurance Agency Near Rock Hill, SC | Address |
|---|---|---|
| NA | Boney Ins Office | 14 E Liberty St, York, SC, 29745 |
| NA | Caldwell Insurance Agency | 162 Gadsden Street, Chester, SC, 29706 |
| Travelers | American Auto Club Ins Agency L L C | 6623 EXECUTIVE CIR, CHARLOTTE, NC, 28212 |
| Travelers | First Charter Ins Service Inc | 10400 MALLARD CREEK RD #310, CHARLOTTE, NC, 28262 |
| Liberty Mutual Independent | Isu Ballantyne Insurance Group | 3420 TORINGDON WAY STE 100, CHARLOTTE, NC, 28277 |
| Place | 1 Car Bundle Savings On Insurance | 2 Car Bundle Savings On Insurance | 3 Car Bundle Savings On Insurance |
|---|---|---|---|
| Lesslie CDP, South Carolina | $103 | $137 | $205 |
| Newport CDP, South Carolina | $104 | $139 | $208 |
| Riverview CDP, South Carolina | $97 | $129 | $194 |
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| Rock Hill, SC | 5.6% | 19.5% |
| Lesslie | 6.12% | 24.73% |
| Newport | 5.2% | 22.91% |
| India Hook | 5.95% | 16.31% |
| Rock Hill Home By Monthly Rent | Total Homes | % of Total | Estimated Monthly Income To Afford Rented House Including Renters Insurance |
|---|---|---|---|
| $200 to $299 | 248 | 1.0% | $794 |
| $300 to $499 | 1,204 | 8.0% | $1244 |
| $500 to $749 | 5,162 | 36.0% | $1919 |
| $750 to $999 | 4,982 | 35.0% | $2669 |
| $1,000 to $1,499 | 2,076 | 14.0% | $3794 |
| $1,500 or more | 472 | 3.0% | $5444 |
| Streets in Rock Hill Area | Homeowners Insurance Cost |
|---|---|
| Broach Dr, Nantucket Way, Madison St, Standard St, Harmony Rd, State Rte 904, Dorothy St, State Hwy 558, Twitty Ct, Hasty St | $824 |
| Foxlair Ct, Chamberland Ct, State Rte 947, Shurley St, Wakefield Way, State Hwy 31, State Rte 1043, State Hwy 31, Cushendall Ter, State Rte 1172 | $813 |
| State Rte 1471, Ashley Ln, Bradford Ct, Craig Rd, Impulse Ln, Persimmon Pl, Old York Rd, Oak Branch Dr, Kellibell Ln, Whispering Pines | $836 |
| Sidney St, Shady Oak Ln, State Rte 338, Marine Dr, Ebenezer Ave Exd, Hagler Rd, Neely Store Rd, State Rte 1159, Dartmouth Dr, Lucky Ln | $813 |
| Audubon Dr, Old Forge Rd, Griffith Cir, Pickens St, Hollis St, State Rte 1517, Polo Ridge, Peppermill Dr, State Rd S-46-165, Claire Ln | $828 |
| Devonshire Dr, State Hwy 1332, State Rte 532, Maddy Ln, McGill Pond Ln, J Ed Bookout Rd, Pinkney St, Penny Oaks Cove, State Rte 1038, State Rte 1473 | $780 |
| Finley View Dr, Hermitage Rd, W Black St, Ebenezer Rd, Williamson Rd, E Friedheim Rd, Cedarvale Cir, Brush Creek Rd, Izard St, Rawlinson Rd | $838 |
| State Rte 1416, Blanche Cir, State Rte 647, State Rte 1087, Windsor Ter, Riverlane Rd, Tiffany Dr, Van-Valin Dr, Level St, English Trl | $854 |
| Parrish Pt, Smiths Cir, Coach House Ct, Etta Vaughn, State Rte 135, State Rte 1435, Walker Rd, Rocklyn Dr, State Rte 1522, Belle Meade Dr | $806 |
| Dunlap Roddey Rd, Glenn Hope Rd, High Pines Rd, State Rte 160, Churchill Rd, State Rte 1520, Eagle Dr, Barton Ln, Burkett Dr, State Rte 193 | $823 |
| Place | Savings For Senior Occupied Homes |
|---|---|
| Rock Hill | $122 to $124 |
| Lesslie | $123 |
| Newport | $124 |
| Riverview | $116 |
| Low Deductible | High Deductible | |
|---|---|---|
| Deductible | $1,700 | $2,700 |
| Yearly Rock Hill Homeowner Insurance Premium Example | $1,400 | $1,200 |
| Out of Pocket Expense During Claim | $1,700 | $2,700 |
| Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim | $12,900 | $12,300 |
| Net Savings to Rock Hill Home Owner from High Deductible Plan | $600 | |
| Scenario | Rock Hill, SC Home Replacement Value MORE than Home Value | Rock Hill, SC Home Replacement Value LESS than Home Value |
|---|---|---|
| Replacement Value | $218,500 | $134,500 |
| Insurance Premium based on Replacement Value | $1,600 | $975 |
| Risk Exposure from Under Insuring Coverage | Unnecessary Home Insurance Coverage of $33,500 | Risk Exposure from Under Insuring Coverage is $50,500 |
| Premium Impact | Insurance cheaper by $375/year | Insurance costlier by $250/year |
| Insurance Company | Amica Mutual Insurance Company | GEICO Insurance | Liberty Mutual |
| Monthly Premium | 113 | 119 | 227 |
| Year Built | 1994 | 2006 | 1989 |
| Home Details | 3 Beds, 1 Baths | 4 Beds, 3 Baths | 5 Beds, 4 Baths |
| Coverage Amount | $150000-$175000 | $200000-$250000 | $400000-$500000 |
| Deductible | $500 Deductible | $500- $1000 Deductible | $5000 to $10,000 Deductible |