Spartanburg, SC Home Insurance - Analysis On Quotes, Rates & Agents
Spartanburg Insurance Rates:
Spartanburg, SC homeowners insurance is roughly $680 to $923, about $56-$76/month. Our exhaustive research reveals consumers can save as much as $320 by comparing multiple quotes. Enter your zipcode below and click “GO” to get multiple free quotes.
Latest Home Insurance Reviews
St. Johns Insurance CompanyWhen talking to even the first contact at the call center, they had a lot of information to answer my questions.
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.
Spartanburg, SC Homeowners Insurance By Home Value
| Spartanburg, SC Home Value | Total Homes | % of Total | Average Spartanburg, SC Homeowners Insurance |
|---|---|---|---|
| Less than $50,000 | 3,142 | 12.0% | $168 |
| $50,000 to $59,999 | 1,226 | 4.0% | $360 |
| $60,000 to $69,999 | 1,216 | 4.0% | $449 |
| $70,000 to $79,999 | 1,317 | 5.0% | $513 |
| $80,000 to $89,999 | 2,079 | 8.0% | $585 |
| $90,000 to $99,999 | 1,657 | 6.0% | $657 |
| $100,000 to $124,999 | 4,101 | 16.0% | $753 |
| $125,000 to $149,999 | 3,252 | 12.0% | $946 |
| $150,000 to $174,999 | 2,316 | 9.0% | $1122 |
| $175,000 to $199,999 | 1,384 | 5.0% | $1291 |
| $200,000 to $249,999 | 1,488 | 5.0% | $1555 |
| $250,000 to $299,999 | 1,002 | 3.0% | $1900 |
| $300,000 to $399,999 | 1,102 | 4.0% | $2422 |
Top Home Insurance Agents Near Spartanburg, SC
| 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 |
Cost Of Homeowners Insurance By Street Near Spartanburg, SC
| Streets in Spartanburg Area | Homeowners Insurance Cost |
|---|---|
| Watkins St, S Gray Beaver Ct, Laurel Bluff, S 687, S 824, Harley Dr, Brisack Rd, S 787, Gerow Ave, Hidden Springs Rd | $788 |
| South Carolina Ave, Sawgrass Ct, Henderson St, Foxcross Rd, Pine Ridge Ct, Leah Dr, Pebblebrook Ct, Bradford Dr, Lucille Ct, S 1767 | $784 |
| Sloans Grove Rd, Longleaf Rd, Usher Ct, E Park Ave, State Rd S-42-4297, State Rd S-42-2275, West St, Keswick Farm Rd, Soft Breezes Ln, State Rd S-42-9740 | $835 |
| W Lee St, Caulder Ave, Winsmith Ave, Tyler Ct, Splawn Town, Rambling Ridge Dr, Inglewood Ave, Rocking Horse Ln, Frontage Rd, Wells St | $794 |
| Vermillian Dr, Woodley Rd, Dewey Ave, Springwood Dr, Caulder Cir, Alpine Trl, W Blackstock Rd, Rip Rap Dr, Strange Ct, Berry Rd | $794 |
| Jeff Davis Dr, Danbury Ct, Lynn Rd, Wheeling Cir, Julia St, Mary Ella Dr, Camp St, Edgebrook Ct, S Liberty St, Culdass Ct | $800 |
| Brown Rd, Dr O C Kirkland Ter, Alice St, Friar Tuck Rd, Franklin Ave, Parkdale Dr, Blanche Cir, Countryside Cir, Farragut Dr, Woodwind Dr | $786 |
| Driftway Pl, Folsom St, Stonecrest Dr, Winsmith Ave, Marrivale Ln, Grant Cir, Mailbu Dr, Exxon Rd, Kearse Ct, French St | $786 |
| Hannon Ct, Hale St, Graham Rd, Brandermill Rd, Serpentine Dr, Watson Rd, N Town Dr, S 686, Anderson Dr Exd, Walker St | $785 |
| Silverton St, S Summit Crest Ct, Chasander St, Cloverleaf Ln, Loche Adele Dr E, Manning St, N Thompson St, Charlevoix St, S 906, S 88 | $788 |
Spartanburg, SC Home Insurance Savings For Senior Occupied Homes
| Place | Savings For Senior Occupied Homes |
|---|---|
| Spartanburg | $120 to $122 |
| Saxon | $115 |
| Arcadia | $116 |
| Spartanburg County | $120 |
Spartanburg, 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 |
|---|---|---|---|
| Saxon CDP, South Carolina | $115 | $153 | $230 |
| Arcadia CDP, South Carolina | $116 | $154 | $231 |
| Spartanburg County, South Carolina | $120 | $160 | $240 |
Spartanburg, SC Area Home Insurance as a % of Housing Cost
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| Spartanburg, SC | 6.1% | 21.2% |
| Saxon | 8.42% | 21.01% |
| Arcadia | 9.6% | 29.45% |
| Spartanburg County | 5.97% | 22.61% |
Spartanburg Renters Insurance as a Percentage of Rent
| Spartanburg Home By Monthly Rent | Total Homes | % of Total | Estimated Monthly Income To Afford Rented House Including Renters Insurance |
|---|---|---|---|
| Less than $200 | 636 | 3.0% | $350 |
| $200 to $299 | 893 | 5.0% | $800 |
| $300 to $499 | 2,355 | 13.0% | $1250 |
| $500 to $749 | 6,496 | 38.0% | $1925 |
| $750 to $999 | 4,279 | 25.0% | $2675 |
| $1,000 to $1,499 | 1,929 | 11.0% | $3800 |
| $1,500 or more | 471 | 2.0% | $5450 |
Spartanburg, SC Home Insurance Costs With Deductible Scenario
| Low Deductible | High Deductible | |
|---|---|---|
| Deductible | $1,500 | $2,500 |
| Yearly Spartanburg Homeowner Insurance Premium Example | $1,000 | $800 |
| Out of Pocket Expense During Claim | $1,500 | $2,500 |
| Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim | $9,500 | $8,900 |
| Net Savings to Spartanburg Home Owner from High Deductible Plan | $600 | |
Spartanburg, SC Home Insurance Costs With Home Replacement Value Scenarios
| Scenario | Spartanburg, SC Home Replacement Value MORE than Home Value | Spartanburg, SC Home Replacement Value LESS than Home Value |
|---|---|---|
| Replacement Value | $60,000 | $42,000 |
| Insurance Premium based on Replacement Value | $400 | $275 |
| Risk Exposure from Under Insuring Coverage | Unnecessary Home Insurance Coverage of $5,500 | Risk Exposure from Under Insuring Coverage is $12,500 |
| Premium Impact | Insurance cheaper by $100/year | Insurance costlier by $25/year |
Example Spartanburg Homeowners Insurance Comparison Table to Compare The Cheapest Quotes
| Insurance Company | Allstate | Chubb Group of Insurance | Travelers |
| Monthly Premium | 51 | 95 | 88 |
| Year Built | 2008 | 1991 | 2010 |
| Home Details | 3 Beds, 2 Baths | 4 Beds, 3 Baths | 5 Beds, 4 Baths |
| Coverage Amount | $100000-$125000 | $125000-$150000 | $150000-$175000 |
| Deductible | $2500-$5000 Deductible | $500 Deductible | $500 Deductible |
Sample Home Insurance Rates for Spartanburg, SC from Consumer Reviews & Surveys
| Year Built | Home Value | Roof Type | Sqft | Number of Bedrooms | Deductible | Premium | Premium Months | Siding Type | Smoker/Non Smoker |
|---|---|---|---|---|---|---|---|---|---|
| 1970 | 220,000 | Wood Shake Roof | 3,350 | 4 | $500 Deductible | 540 | 3 | Brick siding | No |
| 1968 | 200,000 | Composition Roof | 2,220 | 3 | $2500-$5000 Deductible | 670 | 7 | Vinyl siding | No |
| 1973 | 135,000 | Tile Roof | 2,030 | 5 | $500- $1000 Deductible | 80 | 1 | Wood siding | No |
| 1964 | 305,000 | Asphalt Shingles Roof | 4,850 | 5 | $500- $1000 Deductible | 930 | 5 | Brick siding | No |
| 2001 | 250,000 | Slate Shingles Roof | 3,000 | 5 | $500- $1000 Deductible | 820 | 4 | Wood siding | No |
| 2004 | 420,000 | Composition Roof | 4,640 | 5 | $500- $1000 Deductible | 1110 | 5 | Vinyl siding | No |
| 2014 | 185,000 | Composition Roof | 2,130 | 5 | $2500-$5000 Deductible | 550 | 6 | Wood siding | No |
| 1975 | 160,000 | Membrane Roof | 1,710 | 5 | $500 Deductible | 790 | 7 | Fiber-Cement Siding | yes |
| 1978 | 260,000 | Asphalt Shingles Roof | 3,370 | 4 | $500 Deductible | 2280 | 12 | Vinyl siding | No |
| 1966 | 140,000 | Composition Roof | 1,870 | 4 | $500 Deductible | 150 | 2 | Stone Siding | No |
| 2012 | 300,000 | Membrane Roof | 3,350 | 4 | > $10,000 Deductible | 980 | 10 | Stone Siding | No |
| 2014 | 135,000 | Metal Roof | 1,530 | 3 | $1000-$2500 Deductible | 620 | 9 | Wood siding | No |
| 1984 | 260,000 | Tile Roof | 3,710 | 5 | $2500-$5000 Deductible | 520 | 4 | Stone Siding | No |
| 1960 | 105,000 | Membrane Roof | 1,580 | 3 | $500 Deductible | 130 | 2 | Stone Siding | No |
| 1969 | 120,000 | Slate Shingles Roof | 1,690 | 5 | $2500-$5000 Deductible | 250 | 5 | Vinyl siding | No |
| 1982 | 185,000 | Membrane Roof | 2,210 | 3 | $500 Deductible | 1230 | 10 | Brick siding | No |
| 1986 | 200,000 | Shingles Roof | 3,090 | 4 | > $10,000 Deductible | 250 | 4 | Brick siding | yes |
| 1995 | 130,000 | Slate Shingles Roof | 2,000 | 4 | $1000-$2500 Deductible | 610 | 10 | Brick siding | No |
| 1960 | 185,000 | Tile Roof | 2,540 | 4 | $500- $1000 Deductible | 390 | 4 | Fiber-Cement Siding | No |
| 1975 | 370,000 | Composition Roof | 4,300 | 5 | $5000 to $10,000 Deductible | 1990 | 12 | Fiber-Cement Siding | yes |
| 2005 | 345,000 | Tile Roof | 4,990 | 5 | $2500-$5000 Deductible | 1880 | 9 | Vinyl siding | yes |
| 1977 | 105,000 | Membrane Roof | 1,550 | 3 | $500 Deductible | 500 | 6 | Brick siding | No |
| 2013 | 240,000 | Slate Shingles Roof | 3,660 | 5 | $2500-$5000 Deductible | 310 | 2 | Brick siding | yes |
| 1990 | 155,000 | Membrane Roof | 2,050 | 4 | $2500-$5000 Deductible | 170 | 2 | Brick siding | No |
| 1977 | 190,000 | Metal Roof | 2,480 | 5 | $500 Deductible | 180 | 2 | Vinyl siding | No |
| 1986 | 85,000 | Shingles Roof | 1,370 | 3 | $1000-$2500 Deductible | 90 | 2 | Brick siding | yes |
| 1965 | 125,000 | Asphalt Shingles Roof | 1,990 | 4 | $2500-$5000 Deductible | 170 | 3 | Vinyl siding | No |
| 2002 | 135,000 | Wood Shake Roof | 1,870 | 4 | $500- $1000 Deductible | 650 | 8 | Brick siding | No |
| 1971 | 100,000 | Metal Roof | 1,360 | 3 | $500 Deductible | 620 | 9 | Vinyl siding | No |
| 1999 | 110,000 | Composition Roof | 3,520 | 4 | $2500-$5000 Deductible | 760 | 6 | Stucco siding | No |