Spartanburg, SC Home Insurance - Analysis On Quotes, Rates & Agents
Spartanburg, SC Insurance Rates:
The average cost of home insurance in the U.S. is $1,438. But, the cost of home insurance in a specific region depends on various factors including Zip Code, age, and value of the house, construction time, etc. The average cost of insurance in Spartanburg, SC is $830 Enter your Zip Code in the banner below to get instant home insurance quotes. vHomeInsurance undertook a detailed analysis of the cost of insurance in Spartanburg, SC.
Spartanburg, SC homeowners will find various factors that will have an impact on your home insurance premium. Understanding these factors could help homeowners drastically lower their home insurance premiums. A careful comparison between different quotes and values to suit the homeowner’s needs can be done with the data below.
- Top Home Insurance Companies in Spartanburg, SC
- Spartanburg, SC Homeowners Insurance for Different Coverages
- Visual Guide for Spartanburg, SC Home Insurance Buyers on Insurance Companies and Rates
- Spartanburg, SC Homeowners Insurance Rate Based on Claims Filed
- Spartanburg, SC Homeowners Insurance by Zip Code
- Spartanburg, SC Home Insurance Premium Based on the Number of Bedrooms
- Spartanburg, SC Home Insurance Premiums for Different Deductibles
- Spartanburg, SC Homeowners Insurance Premium Based on the Age of the Home
- Spartanburg, SC Homeowners Insurance Cost Based on Construction Type of Home
- Saving Tips on Spartanburg, SC Homeowners Insurance
- Spartanburg, SC Home Insurance Discounts for Home Safety Devices in Home
- Customer Reviews for Home Insurance Companies in Spartanburg, SC
Average Home Insurance Premium in Spartanburg, SC
| National Average Premium | State Average Premium | Spartanburg Average Premium |
|---|---|---|
| $1,438 | $989 | $830 |
Top Home Insurance Companies in Spartanburg, SC | Back to Top
The following is a list of home insurance companies that provide the best home insurance quotes in Spartanburg, SC
| Company Name | Coverage $70,000 | Coverage $150,000 | Coverage $200,000 | Coverage $350,000 |
|---|---|---|---|---|
| USAA | $884 | $1,061 | $1,380 | $1,904 |
| Farmers | $1,460 | $1,752 | $2,277 | $3,142 |
| Geico | $1,832 | $2,199 | $2,858 | $3,944 |
| Universal Insurance | $885 | $1,062 | $1,381 | $1,906 |
Spartanburg, SC Homeowners Insurance for Different Coverages | Back to Top
| Coverage Type | Home Insurance Cost($) |
|---|---|
| $100,000 To $124,999 | 733.79 |
| $150,000 To $174,999 | 953.06 |
| $175,000 To $199,999 | 1,195.86 |
| $200,000 To $249,999 | 1,370.06 |
| $250,000 To $299,999 | 1,956.48 |
| $300,000 To $399,999 | 2,604.59 |
| $400,000 To $499,999 | 3,343.89 |
| $500,000 To $749,999 | 4,280.18 |
| $750,000 To $999,999 | 4,948.95 |
| $1000,000 To $1499,999 | 5,450.54 |
| $1500,000 To $2000,000 | 5,851.8 |
Visual Guide for Spartanburg, SC Home Insurance Buyers on Insurance Companies and Rates
Top Home Insurance Agents Near Spartanburg, SC | Back to Top
| Home Insurance Company Near Spartanburg, SC | Homeowners Insurance Agency Near Spartanburg, SC | Address |
|---|---|---|
| Nationwide | John E Reitz Jr | 1601 Cedar Lane Rd 10 Centre West Plaza, Greenville, SC, 29617-2338 |
| Liberty Mutual Independent | Lindey Insurance Agency Inc | 123 E MAIN ST, DUNCAN, SC, 29334 |
| Liberty Mutual Independent | Peoples Choice Ins & Financial Services | 403 W CHEROKEE ST, BLACKSBURG, SC, 29702 |
| State Farm | Sandra Gladden | 139 Bridges Rd, Mauldin, SC, 29662-1604 |
| State Farm | Terry White | 237 Chesnee Hwy, Gaffney, SC, 29341-2706 |
List of Spartanburg, SC Home Insurance Agents by Companies
Spartanburg, SC Homeowners Insurance Rates Based on Claims Filed | Back to Top
Homeowners in Spartanburg, SC who have no previous history of claims filed are eligible for a discount of $99.6. Homeowners in Spartanburg, SC with one claim have to pay an additional home insurance rate of $75, while homeowners with 2 claims have to pay an additional $108 on their home insurance premium.
| Type of Claim | Homeowners Insurance Cost Increase/Decrease($) | Homeowners Insurance Cost($) |
|---|---|---|
| No Claim Discount | -100 | 730 |
| One Claim | +75 | 905 |
| Two Claim | +108 | 938 |
Spartanburg, SC Homeowners Insurance by Zip Code | Back to Top
| Zip Code | Median Home Value($) | Home Insurance Cost($) |
|---|---|---|
| 29306 | 91,000 | 841 |
| 29302 | 141,900 | 842 |
| 29307 | 129,500 | 797 |
| 29301 | 124,300 | 805 |
Factors Affecting Home Insurance Premiums in Spartanburg, SC
The average home insurance premium in Spartanburg, SC is $830. There are various factors in Spartanburg, SC that affect home insurance premiums. vHome Insurance lists the factors that could help homeowners reduce their home insurance rates.
Spartanburg, SC Home Insurance Premium Based on the Number of Bedrooms | Back to Top
| Bedroom Size | Average Homeowners Insurance Cost($) |
|---|---|
| 2 Bedroom | 435 |
| 3 Bedroom | 816 |
| 4 Bedroom | 1,251 |
| 5 Bedroom | 2,448 |
Spartanburg, SC Home Insurance Premiums for Different Deductibles | Back to Top
Spartanburg, SC Homeowners who pay a deductible of $500 pay a higher amount for home insurance, while Spartanburg, SC homeowners who pay a deductible as high as $2500 pay a lower amount on their home insurance rates, as seen in the table below.
| Deductible Type | Average Homeowners Insurance Cost($) |
|---|---|
| $500 Deductible | 820 |
| $1000 Deductible | 742 |
| $1500 Deductible | 698 |
| $2000 Deductible | 634 |
| $2500 Deductible | 596 |
Spartanburg, SC Homeowners Insurance Premium Based on the Age of the Home | Back to Top
Homeowners in Spartanburg, SC pay a much lower home insurance rate if their homes are newly constructed. Homeowners with homes that are older than 50 years pay a much higher rate on their home insurance premium as seen in the table below.
| Home Age | Homeowners Insurance Cost($) |
|---|---|
| Newly Constructed Home | 598 |
| Year 30 Old | 842 |
| Year 40 Old | 852 |
| Year 50 Old | 862 |
| Above Year 50 | 870 |
Spartanburg, SC Homeowners Insurance Cost Based on the Construction Type of the Home | Back to Top
| Construction Type | Home Insurance Cost Savings($) | Home Insurance Cost($) |
|---|---|---|
| Fire Resistive | 91 | 739 |
| Masonry | 42 | 789 |
| Brick | 42 | 789 |
| Superior | 75 | 755 |
| Hail Resistant Roof | 25 | 805 |
Top Saving Tips on Spartanburg, SC Homeowners Insurance | Back to Top
Homes that are built using sturdy materials have less propensity to damage. Owing to this, Spartanburg, SC homes built with sturdy materials earn discounts on homeowners insurance. Spartanburg, SC homeowners who have clubbed their auto insurance policy with home insurance also receive discounts from home insurance companies. Apart from this, home insurers provide discounts to Spartanburg, SC senior citizens. Spartanburg, SC homes attract a considerable amount of discounts depending on the type of home safety devices installed in the household.
The tables below contain the complete list of discounts that Spartanburg, SC homeowners can avail to increase their savings.
Spartanburg, SC Auto & Homeowners Insurance Bundling Discounts and Senior Citizen Discounts
| Discount Type | Home Insurance Cost Savings($) | Home Insurance Cost($) |
|---|---|---|
| Bundle Discount | 116 | 714 |
| Retiree Discount (Senior Citizen Discount) | 116 | 946 |
| Newly Constructed Home | 232 | 598 |
Spartanburg, SC Home Insurance Discounts for Home Safety Devices | Back to Top
| Home Safety Devices | Home Insurance Cost Savings($) | Home Insurance Cost($) |
|---|---|---|
| Deadbolts | 66 | 764 |
| Fire Extinguishers | 58 | 772 |
| Smoke Detectors | 91 | 739 |
| Sprinkler System | 58 | 772 |
| Fire Alarm | 50 | 780 |
| Burglar Alarm | 75 | 755 |
| Lightning Protection | 25 | 805 |
Latest Home Insurance Reviews
AllstateThey provide assurance to security to all disasters And which made my peoples happy
AllstateMy policy is the cheapest I could find as I shop around annually to determine if I can save money elsewhere.
St. Johns Insurance CompanyWhen talking to even the first contact at the call center, they had a lot of information to answer my questions.
Grange InsuranceGrange offers flood insurance for a failed sump that i dont think others offer. dont offer at least as part of the "standard" coverage.
AllstateI have had Allstate home insurance for over 10 years and have not had any bad issues. The cost of coverage goes up every year however I figure it would be that way with any insurance so I have not looked into changing companies for years.
TravelersWith Travelers, they offer decent deductible prices whereas as other companies didn't offer as many. I chose Travelers because it was all around better than the competition.
GeicoGeico home insurance is the best out there. they are priced reasonably and they have excellent customer service. i highly recommend them.
AllstateAlways satisfied with the results of my service. i have only once had to contact a theft but i have received the full value towards my missing items.
NationwideI do not like the insurance agent locally that I was assigned to. The customer service people are great, but the local agent is a bit of a dim bulb, and she e-mails me a lot. I do not like that.
State FarmI do know receive a lot of unnecessary communication, which I like. When I do receive communication is it valuable and well delivered.
State FarmAll 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
AllstateI dislike the lack and ease of communication between local office and what actually gets done and shows up in our mailbox or is reflected in online bills. Any change to our information always requires us to contact local office instead of simply doing these things online.
ProgressiveI like this insurance company because the rates are fair. I also like the ease of using their website and think they are very competitive.
GeicoI like the paperless billing, automatic payments, and the easy to use interface of their site.
TravelersIt's easy. No hassle, no crazy rate increases. It's not an issue, and they've been friendly when I've spoken to them. I haven't had any issues. I pay online, I haven't filed a claim in years.
ProgressiveI am extremely satisfied with my insurance company and the professional customer service they provide. I will continue to use their services for many years to come.
Farmer's InsuranceCan't really say that I dislike anything but High Payment.
State FarmI love that I can trust them, they are dependable, the excellent customer service, the mutli use discounts, ease to contact they are always touching base with me on my insurance needs and adjusting it as needed
Safeco InsuranceSafeco has good rates, excellent customer service, and were able to help us through our recent insurance claim without issue. Highly recommended.
Safeco InsuranceI would recommend Safeco for home insurance (especially if you have other policies, such as car insurance, through them) because they are easy to work with and offer a good deal on premiums.
Liberty MutualI would recommend the, I have not had a bad experience with customer service and have been able to do most of what I want to look up or change online. I ahve not had to make a claim, so I am unsure how that process would work however.
State FarmOverall I enjoy the company, but I have had some trouble switching to electronic payments. This was resolved eventually but it was a pain for a while.
AllstateAmazing customer service along with great communicative people that honestly becomes a joy to work with them.
ProgressiveI would definitely recommend Progressive for home insurance based on my experience with their cost, offerings, and customer service.