Summerville Insurance Rates:

Summerville, SC homeowners insurance is roughly $705 to $956, about $58-$79/month. Our in depth analysis indicates shoppers can save upto $332 by getting multiple quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

National General
Gulfstream Property And Casualty Insurance Company
They are easy to reach if i have any questions they were within my budget, the coverage is what i need for my modest small home.
Grange Insurance
I feel like it could be a little better and it's partly my fault because of my credit score being very low I don't get the best rates from anyone
I would recommend the insurance company just because they were easy to deal with in the beginning. I have not had any other experience with them in the few years that i have had them
The company has always met my insurance needs when I need something efficiently but I have been reviewing other options before this years renewal.
I like how easy it is. you simply go online to do everything. you can pay your bills, check your policy, etc all on their website.
Liberty Mutual
I don't like that they have a cap on certain items, such as firearms when you try to get them replaced.
I have had travelers home insurance through geico for about a decade. in that time we had one major claim which was due to a hail storm. the insurance company covered the damage to the roof and the siding. many other neighbors had their insurance companies decline the coverage.
State Farm
I've had no problems with communication with this company. The people who all work there are friendly, helpful, and I can tell that they actually do care, which is important to me.
State Farm
I never have an issue getting in touch with my agent or a support professional. Online or via phone, I often have excellent experiences.
Farmer's Insurance
Our agent has always called to let us know of any changes on the company's behalf or any that we need to make. She has always been polite and very informative.
Grange Insurance
The website for the insurance company is okay it's nothing really special, I can see my statement and documents rather easily so I am okay with it
I'm kept up to date with any changes to my policies. I'm also notified of potential savings I could be getting. When I'm contacted, I'm not harassed into changing things on my policy.
Very intuitive and user-friendly website. I handled an auto claim exclusively online. Easy to make payments and change coverage as well. I can handle most everything from one website in just a few minutes time.
The only thing I would have to say I dislike is their fees. They are rather high but you get service that is worth it.
It takes a long time to get a hold of them. I'm on wait for hours sometimes. They get back to me in emails in an orderly fashion though.
Allstate so far has been more affordable and our agent is so much better than our prior company.
I was able to bundle life insurance and auto with my home insurance, and it was easy to do online
Farmer's Insurance
After changing over to Farmers from a great insurance, we have been completely unsatisfied with this insurance. This insurance will come up with every excuse not to pay and every year goes up. After doing extensive research of the company, I have discovered there are thousands of lawsuits to this company for not paying. I would not recommend them.
Assurant Specialty Property
I would recommend Assurant for home insurance because they have very comparable offerings to other home insurance companies but they were cheaper and their customer service was very good.
Liberty Mutual
They cover many things, including visitors insurance. although the quote is higher. Could be lower. I give them a 4.
St. Johns Insurance Company
We have not found any dislike except they are hard to get a hold of unless making a claim!
There is nothing I dislike, I am very satisfied, I would not change the company's, especially with low prices and great prices, I really feel like I'm getting a good deal.
I like the ease of access mainly. I feel the ease of access is most important. I am overall happy
St. Johns Insurance Company
they are antiquated when it comes to communication, slow to process and settle claims, and I am worried they will not cover me during a flood or hurricane. I am also worried that during a hurricane I would not be able to reach them. After one hurricane I was able to reach FEMA faster than I could reach St Johns.

Summerville, SC Homeowners Insurance By Home Value

Summerville, SC Home Value Total Homes % of Total Average Summerville, SC Homeowners Insurance
Less than $50,000 1,944 7.0% $116
$50,000 to $59,999 326 1.0% $240
$60,000 to $69,999 371 1.0% $299
$70,000 to $79,999 443 1.0% $349
$80,000 to $89,999 583 2.0% $390
$90,000 to $99,999 613 2.0% $440
$100,000 to $124,999 2,734 9.0% $506
$125,000 to $149,999 3,697 13.0% $639
$150,000 to $174,999 3,781 13.0% $756
$175,000 to $199,999 3,543 12.0% $872
$200,000 to $249,999 4,525 16.0% $1047
$250,000 to $299,999 2,466 8.0% $1279
$300,000 to $399,999 2,697 9.0% $1628

Top Home Insurance Agents Near Summerville, SC

Home Insurance Company Near Summerville, SC Homeowners Insurance Agency Near Summerville, SC Address
Liberty Mutual Independent Ais Insurance 864 Lowcountry Blvd Ste B, MT PLEASANT, SC, 29464
Allstate Bill Baker 4892 Ashley Phosphate Rd Ste B, Charleston, SC, 29418
Travelers Drivers Choice Insurance Services Llc 1836 ASHLEY RIVER RD STE 2, CHARLESTON, SC, 29407
State Farm Emily Laplante 3575 Maybank Highway Suite H, Johns Island, SC, 29455-4871
State Farm Rick Iriart 669 Marina Dr Ste A4, Daniel Island, SC, 29492-8120

Summerville, SC Home Insurance Agents for Top Companies

Cost Of Homeowners Insurance By Street Near Summerville, SC

Streets in Summerville Area Homeowners Insurance Cost
Colleton Ave, Old Trolley Rd, Grande Belle Ln, Tidewater Dr, Vickie St, Alma Dr, Blueridge Trl, Guilford Dr, Cherry Pl, Branton Dr$835
Christina Ln, Ladson Rd, Cat Tail Pond Rd, Winningham Rd, Co Rd S-18-748, Vernon Pl, Linda Ln, Maidstone Dr, Cassels Ln, Rice Mill Dr$841
Corey Blvd, Cobley Pl, Malvasia Ct, Blackberry Ln, Mary St, Goldfinch Ln, Co Rd S-18-732, Elizabeth St, Felix St, Bob's Lake Rd$818
Holly Berry Ln, Ashton Cove, Ashley River Dr, E Liberty Meadows Dr, Kody Ln, Dan Miler Ln, Mayfair Ct, Wando Dr, Foxglove Ave, Clairmont Ln$862
Tyvola Dr, Preston Ave, Co Rd S-18-453, Weathers Ct, Breeders Cup Dr, Lee St, Action Ln, Louise Ct, Warrell Cir, Kirksey Dr$855
Jo Fur Ln, Pheasant Run Rd, Meadowbrook Ct, Sageborough Dr, Co Rd S-18-650, Plantation House Rd, Louis St, Shadowglen Dr, Sandpiper Dr, McAlheney Dr$869
Harlesden Ln, Willet Dr, Oakmont Ave, Willowbend Ln, Rice Cir, Co Rd S-18-700, W Butternut Rd, Germander Ave, Co Rd S-18-648, Co Rd S-18-452$816
Waxhaw Cir, Co Rd S-18-58, Joyce Ln, Flamingo Dr, Hardee Ave, Noble Dr, Willoway Cir, Laurens Ct, Wicker Ct, Clover Ave$833
Simons Ave Exd, Jackson St, Appian Way, Bernay Ct, Knight Ave, Coventry Ct, Two Pond Loop, Limehouse Dr, Amaranth Ave, Canvasback Dr$812
Co Rd S-18-390, Wannamaker Ave, Claussen St, Co Rd S-10-881, David Dr, W Richardson Ave, Fire Fly Ln, Cooper's Ridge Blvd, N Split Oak Ct, Blufton Ct$812

Summerville, SC Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Summerville$124 to $126

Summerville, 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
Lincolnville town, South Carolina $99 $131 $197
Ridgeville CCD, Dorchester County, South Carolina $100 $133 $200
Ladson CDP, South Carolina $101 $134 $201

Summerville, 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
Summerville, SC4.7%16.2%

Summerville Renters Insurance as a Percentage of Rent

Summerville Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 134 1.0% $787
$300 to $499 333 2.0% $1237
$500 to $749 1,881 15.0% $1912
$750 to $999 3,928 33.0% $2662
$1,000 to $1,499 4,228 35.0% $3787
$1,500 or more 1,238 10.0% $5437

Summerville, SC Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Yearly Summerville Homeowner Insurance Premium Example $2,500$1,900
Out of Pocket Expense During Claim$1,400$4,400
Total Home Insurance Premium for 7 years + Out of Pocket Expense for Claim $18,900$17,700
Net Savings to Summerville Home Owner from High Deductible Plan $1,200

Summerville, SC Home Insurance Costs With Home Replacement Value Scenarios

Scenario Summerville, SC Home Replacement Value MORE than Home Value Summerville, SC Home Replacement Value LESS than Home Value
Replacement Value $167,000 $107,500
Insurance Premium based on Replacement Value $1,575 $1,025
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $34,000 Risk Exposure from Under Insuring Coverage is $25,500
Premium Impact Insurance cheaper by $225/year Insurance costlier by $325/year

Example Summerville Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company GEICO InsuranceTravelersState Farm
Monthly Premium 94109116
Year Built 198220021998
Home Details 3 Beds, 1 Baths4 Beds, 2 Baths5 Beds, 3 Baths
Coverage Amount $150000-$175000$200000-$250000$175000-$200000
Deductible $1000-$2500 Deductible$1000-$2500 Deductible$500- $1000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
2011 520,000 Wood Shake Roof 4,310 5 $500 Deductible 1330 3 Stone Siding No
2008 325,000 Wood Shake Roof 3,310 4 > $10,000 Deductible 460 6 Brick siding yes
1989 200,000 Wood Shake Roof 2,170 4 $500- $1000 Deductible 720 5 Brick siding No
1999 275,000 Slate Shingles Roof 3,340 5 $500 Deductible 180 1 Vinyl siding yes
1985 155,000 Membrane Roof 1,590 3 $2500-$5000 Deductible 180 2 Brick siding yes
2014 195,000 Asphalt Shingles Roof 2,030 3 $500- $1000 Deductible 310 4 Fiber-Cement Siding No
1995 135,000 Tile Roof 1,340 3 $2500-$5000 Deductible 280 5 Wood siding No
2012 285,000 Asphalt Shingles Roof 2,330 4 $500 Deductible 1180 7 Wood siding No
1989 160,000 Membrane Roof 1,370 3 $2500-$5000 Deductible 610 6 Stone Siding No
2012 215,000 Wood Shake Roof 2,560 4 $1000-$2500 Deductible 250 2 Fiber-Cement Siding yes
2006 150,000 Metal Roof 1,490 3 $1000-$2500 Deductible 1080 12 Stone Siding No
2002 275,000 Membrane Roof 2,630 4 $2500-$5000 Deductible 1220 10 Vinyl siding No
1993 240,000 Composition Roof 2,090 4 $500 Deductible 1380 10 Stucco siding yes
2012 215,000 Asphalt Shingles Roof 2,010 4 $5000 to $10,000 Deductible 780 12 Brick siding No
2004 480,000 Tile Roof 4,710 5 $500- $1000 Deductible 1000 4 Fiber-Cement Siding No
1992 235,000 Asphalt Shingles Roof 2,080 3 $1000-$2500 Deductible 1330 9 Vinyl siding No
2012 210,000 Shingles Roof 1,950 5 $2500-$5000 Deductible 220 2 Brick siding yes
1993 175,000 Composition Roof 2,120 3 $1000-$2500 Deductible 190 2 Stone Siding No
1998 130,000 Metal Roof 1,560 3 $2500-$5000 Deductible 220 3 Wood siding No
2012 275,000 Tile Roof 3,050 4 $1000-$2500 Deductible 720 4 Fiber-Cement Siding yes
2010 140,000 Metal Roof 1,610 3 $500 Deductible 580 6 Stucco siding No
2014 150,000 Membrane Roof 1,810 3 $1000-$2500 Deductible 470 6 Fiber-Cement Siding yes
2010 345,000 Composition Roof 2,920 5 $2500-$5000 Deductible 540 4 Brick siding No
1986 555,000 Composition Roof 4,820 5 $1000-$2500 Deductible 1290 4 Wood siding yes
1981 330,000 Asphalt Shingles Roof 3,300 5 > $10,000 Deductible 130 1 Stone Siding yes
1997 245,000 Shingles Roof 2,520 5 $500- $1000 Deductible 980 8 Brick siding yes
1981 215,000 Slate Shingles Roof 1,800 3 $5000 to $10,000 Deductible 70 1 Wood siding No
2007 210,000 Metal Roof 2,390 5 $5000 to $10,000 Deductible 600 8 Stone Siding yes
2011 215,000 Shingles Roof 2,090 3 > $10,000 Deductible 410 5 Fiber-Cement Siding No
1981 110,000 Metal Roof 1,220 3 $500 Deductible 460 6 Fiber-Cement Siding yes
1993 190,000 Shingles Roof 1,982 3 $2500-$5000 Deductible 1320 10 Vinyl siding No

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