Check out the most popular Home Insurance agencies & companies in Irmo, SC & compare the best quotes from them.
Homeownership is a significant investment and protecting that investment is vital. Homeowners insurance covers various perils, from natural disasters to theft and liability. However, the cost of homeowners insurance varies based on several factors, including the property's location, the home's age and condition, the coverage level, and more. If you own a home in Irmo, South Carolina, you may wonder how much you can expect to pay for homeowners insurance. The average cost of homeowners insurance in Irmo, SC, is $999. In this article, we will explore the average cost of homeowners insurance in Irmo, SC, and factors that affect the cost of insurance premiums.
The top home insurance companies in Irmo, SC, offering home insurance at competitive rates are listed below.
Factors Affecting Home Insurance in Irmo, SC:
1. Homeowners insurance rates by coverage levels
2. Homeowners insurance rates by deductibles
3. Homeowners insurance rates by the age of the home
4. Homeowners insurance rates by the safety features
Homeowners Insurance Irmo, SC- Rates by Coverage Level
The coverage level is a significant factor that impacts the cost of homeowners insurance in Irmo, SC. The more comprehensive the coverage, the higher the premium. Homeowners in Irmo, SC should assess their insurance needs and determine the appropriate coverage level for their property. For example, a homeowner who wants a higher level of protection and coverage for their home and personal belongings will pay more in premiums than someone who chooses a basic coverage level. However, it's important to note that selecting a lower coverage level could leave the homeowner vulnerable to significant financial losses in the event of damage or loss to their property. Homeowners in Irmo, SC should consult with their insurance provider to determine the appropriate coverage level for their needs and budget. For example, if you select coverage of $200K to insure your home, you pay $1243 towards home insurance in Irmo, SC.
Here is a chart representing the coverage level and the applicable home insurance rates in Irmo, SC.
Homeowners Insurance Irmo, SC - Rates by Deductibles
Deductibles can also affect the cost of homeowners insurance in Irmo, SC. In general, higher deductibles result in lower insurance premiums, while lower deductibles result in higher premiums. For example, Irmo, SC homeowners who opt for a $1,000 deductible may pay less for their insurance than those who choose a $500 deductible. It's important to note that choosing a higher deductible means that the homeowner will be responsible for paying a larger portion of the repair or replacement costs in the event of a claim. Homeowners in Irmo, SC, should consider their financial situation and the level of risk they are comfortable with when selecting a deductible for their homeowners insurance policy. An instance of this would be that in Irmo, North Carolina, homeowners paying a $1500 deductible for their home insurance are charged $841, while those who opted for a $500 deductible are charged $987 for their house insurance. Thus, as deductible amounts increase, home insurance costs decrease in Irmo, SC.
Homeowners Insurance Irmo, SC- Rates by the Age of the Home
The age of a house is a crucial factor that can affect the price of homeowners insurance in Irmo, SC. Older properties are generally more expensive to insure as they might need to have updated plumbing, electrical, or heating systems that increase the possibility of damage or loss. In Irmo, SC, homeowners with older properties might pay higher premiums than those with newer homes. Insurance providers might also factor in the building materials and style of the home when computing insurance rates. For instance, homes made with modern materials or updated features like impact-resistant windows or reinforced roofs could be less risky to insure, hence qualifying for lower premiums. It is essential for homeowners in Irmo, SC, to talk to their insurance provider about their home's age and construction to ensure they have the appropriate coverage at an affordable price. Furthermore, homeowners should consider home upgrades or renovations that can decrease the risk of damage or loss, potentially resulting in lower insurance premiums. For example, brand-new homes in Irmo, SC, are charged $799 for their homeowners insurance, while houses that have been standing for 40 years in Irmo, SC, are subject to a premium of $1037.
Homeowners Insurance Irmo, SC - Rates by the Safety Features
Homeowners insurance rates can vary based on the safety features of a home. Homes with certain safety features in place may be less risky and may qualify for lower insurance premiums. In Irmo, SC, homes with installed smoke detectors, fire alarms, and burglar alarms may be eligible for lower insurance rates. Other safety features that may impact the cost of homeowners insurance in Irmo, SC, include deadbolts on doors, fire extinguishers, and security systems that monitor for smoke, carbon monoxide, and water damage. By making their homes safer, homeowners in Irmo, SC, can reduce their risk of damage or loss and save money on their homeowners insurance premiums. Homeowners in Irmo, SC, need to discuss the impact of safety features on their insurance rates with their insurance provider and find the right coverage for their specific needs. For example, in Irmo, SC, homeowners insurance costs $929 for homes with fire extinguishers.
Home Insurance Company | A.M. Best Financial Strength Rating | Homeowners Insurance Market share |
---|---|---|
State Farm | A | 20.36% |
Liberty Mutual | A | 4.83% |
Nationwide | A+ | 4.76% |
GEICO | A++ | 3.95% |
Erie | A+ | 2.8% |
Homeowners Insurance Agents | Agent Address | Contact Details | |
---|---|---|---|
Calvin C Sheets Jr | 1615 Wilson Rd 29108-3053 |
803-276-2220 | |
Michael A. Attanasio | 6332 Saint Andrews Rd 29212-3126 |
(803) 750-9090 | |
Matthew Beaty Agency | 798 Hwy 1 South 29078-9176 |
(803) 438-7200 | |
Jason Dean Tully | 1231 AMELIA ST www.tullyins.com 29115 |
803-534-8175 | |
Jonathon R Brinson Agency | 2442 DEVINE ST 29205 |
803-728-3318 | |
Kernan Ins And Financial Services Inc | 4001 EDMUND HWY 29170 |
803-755-0543 | |
Michael A. Attanasio | 100 Old Cherokee Rd STE B 29072-7959 |
(803) 957-8004 | |
Insurance One | 176 MCSWAIN DR 29169 |
803-739-0001 | |
Insurance One | 1179 SUNSET BLVD 29169 |
803-936-1601 | |
Gwynn Vaughan Ins Inc | 10628 Broad River Rd 29063 |
(803) 407-1477 |
Homeowners Insurance Agents | Agent Address | Contact Details | |
---|---|---|---|
Brown Insurance Agency Llc | 120 Columbia Ave 29036-9420 |
803-345-5957 | |
Jones & Associates Insurance Agency Inc. | 4064 BELTLINE BLVD 29204 |
803-256-8983 | |
Deiwert Insurance | 100 Obrian Way 29063 |
(843) 206-4940 | |
Lor Insurance Services | 2004 W DEKALB ST 29020 |
803-432-8433 | |
Neis Insurance Agency Inc | 1330 LADY ST FLOOR 3 neisinsurance.com 29201 |
(803) 799-5533 Email:info@neisinsurance.com |
|
Culnan Insurance Agency Llc | 503 Chester Avenue 29055-1207 |
803-482-2180 | |
The Soltysiak Agency Llc | 945 E Main St Ste E www.thesoltysiakagency.com 29072 |
||
Charles M Mills Insurance Agency Inc. | 179 1/2 Columbia St www.mills-insurance.com 29706-2922 |
803-581-8181 | |
Accardo Agency Inc | 6158 Saint Andrews Rd www.accardo.com 29212-3122 |
803-772-4000 | |
D R C Insurance Agency Inc | 3206 Millwood Ave 29205-1827 |
803-212-7000 |
Homeowners Insurance Agents | Agent Address | Contact Details | |
---|---|---|---|
Doug Mayer | 834 Broad St www.mayerofcrofton.com 29020 |
(803) 432-1561 | |
Dana Kerr | 500-A Lexington Ave www.danakerr.com 29036-9823 |
803-345-3135 | |
Josh Igou Clu | 657 W COLUMBIA AVE www.joshigou.com 29006 |
803-532-3864 | |
John Hopkins | 35 E WESMARK BLVD STE D www.jthopkins.net 29150 |
803-773-3311 | |
Tj Tingley | 308 Columbia Ave www.tjtingley.com 29072 |
(803) 399-7229 | |
Lora Jean Poole | 620 W DEKALB ST www.lorajeanpoole.com 29020 |
803-432-9045 | |
Mauricio Moreno Jr | 219 Silver Bluff Rd 29803-7325 |
(803) 649-6461 | |
Aaron Richards | 212 University Pkwy www.aaronrichardsinsurance.com 29801-6334 |
803-226-9838 | |
Andy Swann | 5175 Sunset Blvd Ste 1 www.andyswann.com 29072-7320 |
803-951-9151 | |
Adam Wolfe | 4015 Forest Dr Ste 104 www.teamwolfe.us 29204-4350 |
803-782-6400 |
Homeowners Insurance Agents | Agent Address | Contact Details | |
---|---|---|---|
Mark Nickerson | 1628 Saint Matthews Rd Ne 29118-2439 |
(803) 531-2004 Email:warwickagent@geico.com |
Homeowners Insurance Agents | Agent Address | Contact Details | |
---|---|---|---|
Andrew Patton | 3630 Bush River Rd 29210-4861 |
803-772-5037 | |
Dwayne Morein | 5305 Village Center Dr Ste 201 21044 |
(443) 203-5505 | |
Matthew Belford | 1034 Briargate Circle 29210-6539 |
(803) 798-0692 | |
Gerhard E Wutti Lutcf | 7425 College St Ste 102 29063 |
(803) 732-4404 | |
Michael Cooper Lutcf | 120 S Congress St 29180 |
(803) 635-4713 | |
Diana Gu Lutcf | 2251 Augusta Rd 29169 |
(803) 794-5550 | |
Mauricio Mammoliti | 209 Richland Ave W 29801 |
(803) 642-2800 | |
Matt Brisk | 24-B South Wise Dr 29150-2516 |
(803) 775-6122 | |
Dana L Barnard Lutcf | 1230 Broad River Road 29210-7619 |
803-772-0137 | |
Josh Scott | 141 CHARTER OAK RD 29072 |
803-951-3351 |
GEICO | Liberty Mutual | Erie | |
Median Home Value ($) | 152,650 | 142,650 | 152,650 |
Construction year | 1988 | 1977 | 1979 |
Home Coverage ($) | $125000-$150000 | $75000-$100000 | $100000-$125000 |
Total Premium ($) | $1136 | $1299 | $983 |
Home Insurance Company | Multi Policy Discount (%) |
---|---|
Nationwide | upto 11% |
Erie | upto 18% |
GEICO | upto 18% |
Liberty Mutual | upto 15% |