Check out the most popular Home Insurance agencies & companies in Clover, SC & compare the best quotes from them.

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Factors Impacting Homeowners Insurance Cost in Clover, SC

The average price of home insurance in Clover, SC, is $1122.51. As a homeowner in Clover, SC, you know that your home is one of your biggest investments. And, as with any investment, you want to protect it. That’s where homeowners insurance comes in. Homeowners insurance is a type of property insurance that covers your home and your belongings in the event of damage or loss. There are a lot of things that homeowners insurance covers, like fire, wind damage, theft, and more. It can even cover medical expenses if someone gets hurt on your property. And, if you have to live somewhere else while your home is being repaired, most homeowners insurance policies will help pay for that, too. Every policy differs, so you must talk to your insurance agent to ensure you have the right coverage. But, in general, homeowners insurance is a great way to protect your investment and give yourself peace of mind.

However, homeowners should compare rates from various home insurance companies in Clover, SC, before choosing a policy. Here are a few of the top house insurance companies in Clover, South Carolina, offering competitive coverage.

Factors Affecting Home Insurance in Clover, SC:

1. Home insurance rates by coverage levels

2. Home insurance rates by deductibles

3. Home insurance rates by the age of the house

4. Home insurance rates by the safety features

Homeowners Insurance in Clover, SC- Rates by Coverage Level

The coverage level you choose is the essential factor in determining your homeowners insurance costs. The higher your coverage level, the higher your premium will be. But it's important to remember that your coverage level should be based on the value of your home and your personal belongings. If you have many expensive items, you'll need to have a higher coverage level to ensure they're fully protected. For example, homeowners in Clover, South Carolina, who select a $300K coverage level pay $2328 for home insurance, compared to $530 for those who select a $100K coverage level. The chart below displays the various home insurance rates in Clover, South Carolina, according to the chosen level of protection.

Homeowners Insurance in Clover, SC- Rates by Deductibles

The policyholder's deductibles frequently influence rates for homeowners insurance. Lower premiums are associated with higher deductibles and vice versa. A deductible that homeowners feel comfortable paying out of pocket in the event of a claim is frequently their choice. The deductible is the sum that must be paid before the insurance provider starts to pay on a claim, and this is vital to keep in mind. Therefore, it's crucial to have enough cash set aside to pay the deductible if something goes wrong. Thus, the higher the deductible, the lower the home insurance rates in Clover, SC. Homeowners who chose a deductible of $2000 pay $857 toward their home insurance in Clover, SC. Homeowners who chose a deductible of $500 pay $1110 toward their home insurance in Clover, SC.

Homeowners Insurance in Clover, SC- Rates by the Age of the Home

The age of the home can have a big impact on home insurance costs. In general, your premium will be higher the older your home is. This is due to the increased likelihood of issues that need rectifying, such as leaky roofs or an outdated electrical system, in older homes. On the other hand, if your house is more recent, you can qualify for a discount as insurers consider your home to be less risky. In Clover, SC, homeowners insurance for homes that are 30 or 40 years old costs $1140 and $1152, respectively, whereas it only costs $854 for newly built homes.

Homeowners Insurance in Clover, SC- Rates by the Safety Features

A home security system can warn the authorities in the event of a break-in, which can serve to dissuade intruders. A fire alarm system is yet another essential safety component. This can cut your insurance premium and aid in warning you and your family in the event of a fire. Smoke detectors, deadbolt locks, and fire extinguishers are safety features that can help minimize the cost of your homeowner's insurance. These are only a few safety features that can help protect your house and loved ones while lowering your insurance premium. For instance, homes with deadbolts and fire extinguishers in Clover, South Carolina, pay $1011 in insurance.

Top Home Insurance Companies in Clover, SC

Home Insurance Company A.M. Best Financial Strength Rating Homeowners Insurance Market share
State Farm A 20.36%
Travelers A++ 5.58%
Liberty Mutual A 4.83%
Nationwide A+ 4.76%
Erie A+ 2.8%

Top Liberty Mutual Home Insurance Agents in Clover, SC

Homeowners Insurance Agents Agent Address Contact Details
Carrie Hadley 1427 Emerywood Dr
28210-4105
704-553-2327
Gregory W Campbell 717 W Floyd Baker Blvd
29341
(864) 487-3463
Jyoti Patidar Cisr 4614 WILGROVE MINT HILL RD STE C11
28227
704-545-3337
Samantha Cowan-Lynch 1328 Stallings Road
28104
Sean Omar 1130 Sam Newell Road Suite C
28105
Ivette Frank 7925 N TRYON ST STE 206
28262
704-548-9001
Martinique Valdez 10722 Carmel Commons Blvd Suite 400
28226
(704) 541-6479
David Komar 107 Kilson Dr Ste 101
28117
(704) 662-7141
Samantha Frione 3320 Siskey Parkway Suite 101
28105
Samantha Baker 500 N Church Street
28110

Top Travelers Home Insurance Agents in Clover, SC

Homeowners Insurance Agents Agent Address Contact Details
Martinek Insurance Services 8520 Tower Point Dr
www.martinekinsurance.com 28227
(704) 847-4500
Email:rob@martinekinsurance.com
East Valley Ins Llc 4052 Charlotte Hwy Ste 104
29710
(803) 746-4300
Charlsen Insurance Agency 8124 S Tryon St Unit A3
28273-3379
704-583-8393
Email:Bill@charlseninsurance.com
K B Hamlett Insurance Services Co Llc 1106 SKYWAY DRIVE
28110
704-289-8451
Invensure Insurance Brokers Inc 104 E WOODLAND BUSINESS PARK
29721
803-289-1169
Albert V Jaskol Agency Inc 9539 Idlewild Rd
www.jaskolinsuranceagency.com 28227-6015
704-545-4422
Kohn-Senf Ins Agcy Inc 411 JACKSON PARK ROAD
28083
Clay Paul Insurance Agency Inc 3913 Providence Rd S Ste D
www.claypaul.com 28173-0121
704-243-3443
Nicolaysen Agency Inc 2309 RANDOLPH RD
28207
(704) 376-9896
Martinez Insurance Services Llc 2500 Crownpoint Executive Dr
28227-7762
(704) 248-8000

Top Nationwide Home Insurance Agents in Clover, SC

Homeowners Insurance Agents Agent Address Contact Details
Whims Insurance And Financial Services Inc 4301 Morris Park Dr
28227
Wiley Insurance Services Inc 900 Branchview Dr, Ste 202
28025
(704) 467-8153
Marty Varone 1729 Celanese Road
29732
(803) 329-1453
Douglas J Sopher 9107 S Tryon St Ste C
28273
(704) 588-7397
J Harris Insurance Group Inc 130 BEN CASEY DR STE 107
29708
803-548-5907
Cary Insurance Group Inc. 124 E Plaza Dr Ste B
28115-8102
704-799-1857
Carter Glass Ins Agency Llc 8854 Arbor Creek Dr
28269-0541
704-274-9410
Christopher D Edwards Agency 1053 Oakland Ave
29732-3034
803-985-1330
Nicole C Mcklarney 4064 COLONY RD STE 450
28211
(704) 602-3814
Noltensmeyer Insurance Services Llc 602 MAIN ST W
28097
(704) 781-0027

Top State Farm Home Insurance Agents in Clover, SC

Homeowners Insurance Agents Agent Address Contact Details
Sally Hines 1973 J N Pease Place Suite 203
28262
Angela Philbrick 881 W Main St
www.angelaphilbrick.com 28043-2515
828-245-4145
Kenya Shiver 103 NORTH CHURCH ST
www.kenyatheinsurancelady.com 28115
704-664-9495
Dayla Mamot-Sack 186 W Franklin Blvd
www.daylamamotsack.com 28052
(704) 861-8555
Dean Bowen 8810 Bellhaven Blvd
28214
(704) 394-2711
Adam Herndon 5502 Reidville Rd
www.adamherndon.com 29369-9744
864-587-8897
Marty O'Neill Casl, Clu, Chfc 2111 S New Hope Rd
www.myagentmarty.com 28054-6505
(704) 864-1174
Marv Demilio 2186 Cherry Rd STE 109
www.marvdemilio.com 29732-3282
(803) 366-4196
Troy Cox 19510 Jetton Rd
28031
Michael Davis 317 W Meeting St
www.michaelcdavis.org 29720-2319
(803) 283-3383

Top Erie Home Insurance Agents in Clover, SC

Homeowners Insurance Agents Agent Address Contact Details
Milestone Insurance 1734 OLD YORK RD
29745
(803) 684-4678
Masters Insurance Agency 423 4th St SW
28602
(828) 328-2609
Wolf Point Advisors Ltd. 275 S Main St
28166
Masters Insurance Agency 724 4Th St SW
www.mastersfinancialnetwork.net 28602-3402
(828) 327-4887
Kolcun Insurance Agency Inc 602 N MAIN ST
www.mikekolcun.com 28081
704-298-4446
Browning Reagle Insurance Agency 1727 East Blvd
www.browningreagle.com 28203-5823
704-373-7444
Callahan & Rice Insurance Group Inc. 222 E Blackstock Rd
29301-2627
864-574-2253
Jw Insurance Group Llc 602 W MAINS ST
www.jwgroupins.com 28097
704-982-1156
Timothy B Close Insurance Agency Llc 2121 Ebenezer, Suite 101 Rock\u00a0Hill
29732
Kriner Insurance Group Inc. 552 OAK ST
www.krinerinsurance.com 28043
828-248-3773

Homeowners Insurance Comparison for the Cheapest Premiums in Clover, SC

ErieNationwideLiberty Mutual
Median Home Value ($) 204,150204,150174,150
Construction year 198019972014
Home Coverage ($) $300000-$350000$300000-$350000$350000-$400000
Total Premium ($) $1457$1966$2008

Clover, SC Multi Policy Discounts by Home Insurance Companies

Home Insurance Company Multi Policy Discount (%)
Liberty Mutual upto 16%
Travelers upto 6%
Nationwide upto 8%
Erie upto 18%