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Average Cost of Homeowners Insurance in Little River, SC

The average cost of homeowners insurance in Little River, SC, is $1102.05. As a homeowner in Little River, SC, it's important to have homeowners insurance to protect your investment. Homeowners insurance can help cover the cost of repairs or replacement if your home is damaged by fire, wind, hail, or other disasters. It can also help pay for temporary housing if your home is uninhabitable. In addition, homeowners insurance can provide liability protection if someone is injured on your property.   Without homeowners insurance, you could be left paying out of pocket for repairs or replacement if your home is damaged. And if someone is injured on your property, you could be sued and held responsible for their medical bills. Homeowners insurance can help protect you from financial ruin in the event of damage to your home or property.

Homeowners insurance policies can be customized to meet consumers' needs and financial capabilities. Numerous factors, like the type of insurance, the deductible, the age of the house, safety features, the neighbourhood, the state where you live, the weather, and many more, affect the insurance cost. Homeowners should, therefore, thoroughly investigate the costs and benefits provided by the providers before purchasing home insurance in Little River, SC.

Below are a few affordable and cheapest home insurance companies in Little River, SC.

Factors Influencing Home Insurance in Little River, SC:

1. Homeowners insurance rates by coverage levels

2. Homeowners insurance rates by deductibles

3. Homeowners insurance rates by number of claims

4. Homeowners insurance rates by the materials used

Homeowners Insurance in Little River, SC- Rates by Coverage Levels

Homeowners insurance in Little River, SC, is affected by the coverage levels the policyholder chooses. A policy with a higher coverage level will typically have a higher premium than one with a lower coverage level.

Below is the cost of home insurance in Little River, SC, based on the coverage limit opted by Little River, SC residents.

Homeowners Insurance in Little River, SC- Rates by Deductibles

When it comes to homeowners insurance, your deductible is one of the key factors affecting your policy's cost. A deductible is the amount of money you will be responsible for paying out-of-pocket in case of a covered loss. The higher your deductible, the lower your premium will be. However, you need to make sure you can afford your deductible in the event of a claim.

The most popular deductibles for homeowners in Little River, South Carolina, are 1000 and 2000, with premiums of $985.01 and $841.74, respectively. Homeowners who choose a low deductible must pay a higher monthly premium. In Little River, South Carolina, homeowners who selected a $500 deductible pay $1088.82 for their home insurance.

Homeowners Insurance in Little River, SC- Rates by Number of Claims

When it comes to homeowners insurance, one of the most important factors that affect the cost is the number of claims that have been filed. The more claims that have been filed, the higher the insurance cost. This is because insurance companies view homes with many claims as higher risk, and they will charge more to insure them accordingly.

In Little River, South Carolina, policyholders with no claims can obtain coverage for as little as $958.78. Policyholders with one or two claims pay a higher premium. In Little River, South Carolina, homeowners spend about $1179.19 and $1256.33 per year for homeowners insurance.

Homeowners Insurance in Little River, SC - Rates by Materials Used

The cost of homeowners insurance in Little River, SC, can be affected by the materials used to construct the home. For example, a house built of brick is usually cheaper to insure than a home made of wood. This is because brick is more fire-resistant than wood and is less likely to be damaged in a fire.   The type of roof can also affect the cost of homeowners insurance. A metal roof is usually cheaper to insure than a shingle roof because it is more fire-resistant. The age of the home can also affect the cost of insurance. Older homes are usually more expensive to insure because they are more likely to have problems, such as a leaky roof or outdated electrical wiring. For example, in Little River, South Carolina, residents pay $1046.94 and $1002.86 in insurance premiums for homes built with Masonry and Superior brick materials.

Top Home Insurance Companies in Little River, SC

Home Insurance Company A.M. Best Financial Strength Rating Homeowners Insurance Market share
State Farm A 20.36%
Allstate A+ 9.81%
Liberty Mutual A 4.83%
Nationwide A+ 4.76%
Erie A+ 2.8%

Top Nationwide Home Insurance Agents in Little River, SC

Homeowners Insurance Agents Agent Address Contact Details
Metts Insurance Agency Inc. 1019 Highway 17 S STE 113
29582
(843) 353-6250
Michael C. Ferster 10744 Ocean Hwy Unit E
29585-6508
(843) 546-0086
Larry E Crum & Associates Llc 4625 MAIN ST HWY17 BUSINESS
28470
910-754-4326
Larry E Crum & Associates Llc 1418 N HOWE ST
28461
910-457-6373
Margaret M. Kramer 305 E Broad St
29554
(843) 558-7761
Matthew S. Arbutina Agency 1018 Grandiflora Dr STE A
28451-7454
(910) 383-0303
Larry Edward Crum 5315 S COLLEGE RD STE F
28412
910-799-9199

Top Liberty Mutual Home Insurance Agents in Little River, SC

Homeowners Insurance Agents Agent Address Contact Details
Matthew Sekulski 5202 Carolina Beach Rd. Ste. 10
28412-2535
(910) 790-5501
Melissa Oxley 312 Columbus Corners Dr
28472
(910) 642-4158
Amie Patel 620 6th Ave S
29582-3310
843-249-7066
Erik Muschette 827 Surfside Dr
29575
(843) 238-7777
Matthew Seale 477 Olde Waterford Way Suite 118
28451
(910) 383-9945
Matthew T. Roberts 4702 Main Street
28470
(910) 754-4366
Jeanne Desroches 417 S MAIN ST
29574
843-464-9344
Nick Kurowski 1710 HIGHMARKET ST
29440
(843) 546-2444

Top State Farm Home Insurance Agents in Little River, SC

Homeowners Insurance Agents Agent Address Contact Details
Fred Hynes 204 North Main Street
www.fredhynes.com 29571
(843) 423-1212
Bret Birdsong 106 Countryside St SW
www.bretbirdsong.com 28462-3300
910-755-7003
Jerry Matherne 116 East Main St
28472
Traci Hollander 121 S Main St
www.tracihollander.com 28320
Margaret Hagerty 2614 HWY 76 East Suite D
www.margarethagerty.com 29571-6336
(843) 423-6600
Jeanne Martin 2904 HIGHWAY 76 E
www.jeannemartin.org 29574
843-423-2780
Andrew Heber 3888 Renee Dr
www.andrewheber.com 29579-4108
843-903-7800
Eric Narzynski 112 E Smith St
www.yourspringagent.com 28472
(910) 640-3989
Susan Cappo 4625 Main St
www.susancappo.com 28470
Melissa Pessarra 11649 Seven Creeks Hwy
www.melissapessarra.com 28455-9343
(910) 640-1707

Top Allstate Home Insurance Agents in Little River, SC

Homeowners Insurance Agents Agent Address Contact Details
Matthew Sheipe 420 Orange St
28401
(910) 452-9877
Mickey Scott 4625 Main St
28470
(910) 754-4326
Margaret L. Bolinger 220 Ronnie Ct STE 2
29579
(843) 353-1974
Melissa Payne 312 Columbus Corners Drive
28472
(910) 642-4158
Angie Albertson 12082 Highway 17 Byp Unit C
29576-9350
843-357-9100
Melissa Potempa 11649 Seven Creeks Hwy
28455
(910) 640-1707
Shirley Mcmahon 4831 Port Loop Rd Ste 4
28461
Hub Ins Svcs 1422 DUKE ST
29440
843-546-2509
Margaret Lujan 220 Ronnie Ct Unit 2
29579
(843) 353-1974
Corey Metz 166 Co Op Road
29588-7375
843-650-4433

Top Erie Home Insurance Agents in Little River, SC

Homeowners Insurance Agents Agent Address Contact Details
Larry Ferguson Insurance 2390 -101 CAROLINA BEACH ROAD
28401
910-343-0055
Gilmartin Insurance Agency 3715 Patriot Way Ste 135
28412
(910) 392-3392
Frontier Insurance Agency Inc. 121 South Main Street
28320
(910) 863-3235
Ligon L Jones Insurance Services Inc. 4375 HIGHWAY 17 BYPASS
www.ligonjones.com 29576
843-237-0380
Erhart-Stechschulte Insurance Inc. 915 N Fraser St
29440
(843) 527-3418
Lighthouse Insurance Services 9404 HWY 17 BYPASS
29576
843-357-9404
Tim Hall Agency Llc 9404 Hwy 17 Bypass
29576
Tates Creek Insurance 150 Wall Street
29585

Homeowners Insurance Comparison for the Cheapest Premiums in Little River, SC

NationwideState FarmErie
Median Home Value ($) 169,650189,650169,650
Construction year 198220032010
Home Coverage ($) $200000-$250000$200000-$250000$200000-$250000
Total Premium ($) $1476$1742$1412

Little River, SC Multi Policy Discounts by Home Insurance Companies

Home Insurance Company Multi Policy Discount (%)
Nationwide upto 8%
Liberty Mutual upto 17%
Allstate upto 19%
Erie upto 22%