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.

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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

Allstate
They provide assurance to security to all disasters And which made my peoples happy
Allstate
My policy is the cheapest I could find as I shop around annually to determine if I can save money elsewhere.
St. Johns Insurance Company
When talking to even the first contact at the call center, they had a lot of information to answer my questions.
Grange Insurance
Grange offers flood insurance for a failed sump that i dont think others offer. dont offer at least as part of the "standard" coverage.
Allstate
I 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.
Travelers
With 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.
Geico
Geico home insurance is the best out there. they are priced reasonably and they have excellent customer service. i highly recommend them.
Allstate
Always 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.
Nationwide
I 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 Farm
I do know receive a lot of unnecessary communication, which I like. When I do receive communication is it valuable and well delivered.
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 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.
Progressive
I like this insurance company because the rates are fair. I also like the ease of using their website and think they are very competitive.
Geico
I like the paperless billing, automatic payments, and the easy to use interface of their site.
Travelers
It'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.
Progressive
I 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 Insurance
Can't really say that I dislike anything but High Payment.
State Farm
I 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 Insurance
Safeco has good rates, excellent customer service, and were able to help us through our recent insurance claim without issue. Highly recommended.
Safeco Insurance
I 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 Mutual
I 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 Farm
Overall 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.
Allstate
Amazing customer service along with great communicative people that honestly becomes a joy to work with them.
Progressive
I would definitely recommend Progressive for home insurance based on my experience with their cost, offerings, and customer service.