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Average Cost of Homeowners Insurance in Irmo, SC

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.

Top Home Insurance Companies in Irmo, SC

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%

Top Nationwide Home Insurance Agents in Irmo, SC

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

Top Erie Home Insurance Agents in Irmo, SC

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

Top State Farm Home Insurance Agents in Irmo, SC

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

Top GEICO Home Insurance Agents in Irmo, SC

Homeowners Insurance Agents Agent Address Contact Details
Mark Nickerson 1628 Saint Matthews Rd Ne
29118-2439
(803) 531-2004
Email:warwickagent@geico.com

Top Liberty Mutual Home Insurance Agents in Irmo, SC

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

Homeowners Insurance Comparison for the Cheapest Premiums in Irmo, SC

GEICOLiberty MutualErie
Median Home Value ($) 152,650142,650152,650
Construction year 198819771979
Home Coverage ($) $125000-$150000$75000-$100000$100000-$125000
Total Premium ($) $1136$1299$983

Irmo, SC Multi Policy Discounts by Home Insurance Companies

Home Insurance Company Multi Policy Discount (%)
Nationwide upto 11%
Erie upto 18%
GEICO upto 18%
Liberty Mutual upto 15%