Top 5 Home Insurance Companies in Little River, SC
Check out the most popular Home Insurance agencies & companies in Little River, SC & compare the best quotes from them.
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 |
| 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 |
| 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 |
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| Traci Hollander | 121 S Main St www.tracihollander.com 28320 |
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| 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 |
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| Melissa Pessarra | 11649 Seven Creeks Hwy www.melissapessarra.com 28455-9343 |
(910) 640-1707 |
| 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 |
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| 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 |
| 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 |
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| Tates Creek Insurance | 150 Wall Street 29585 |
| Nationwide | State Farm | Erie | |
| Median Home Value ($) | 169,650 | 189,650 | 169,650 |
| Construction year | 1982 | 2003 | 2010 |
| 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% |