Gavop shows you how to buy homeowners insurance in Lugoff, SC by estimating coverage, choosing the right deductible, contacting the best agents, understanding claim requirements, comparing cheap rates, using discount options and reading reviews.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $63,000 | $60,000 | $50,000-$75,000 |
| 2 Bedroom | $150,000 | $140,000 | $125,000-$150,000 |
| 3 Bedroom | $175,500 | $150,000 | $175,000-$200,000 |
| 4 Bedroom | $183,000 | $170,000 | $175,000-$200,000 |
| 5 Bedroom | $279,500 | $240,000 | $250,000-$300,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$147 | $628 |
| Superior Protection Discount | -$78 | $698 |
| Fire & Security Discount | -$62 | $713 |
| Hail Resistant Roof Discount | -$16 | $760 |
| Newly Constructed Home Discount | -$217 | $558 |
| Low Deductible ($500) | High Deductible ($2500) | |||||
|---|---|---|---|---|---|---|
| Place | Example Claim Amount | Yearly Premium | Total Yearly Cost | Yearly Premium | Total Yearly Cost | Net Savings for High Deductible Plan |
| Kershaw County | $1,500 | $795 | $2,295 | $578 | $2,078 | $217 |
| Lugoff, SC | $2,500 | $766 | $3,266 | $557 | $3,057 | $209 |
| Arcadia Lakes, SC | $200 | $1,547 | $1,747 | $1,124 | $1,324 | $423 |
| Winnsboro South, SC | $1,000 | $740 | $1,740 | $538 | $1,538 | $202 |
| Lancaster County, SC | $500 | $1,005 | $1,505 | $731 | $1,231 | $275 |
| Lake Murray of Richland, SC | $2,000 | $1,612 | $3,612 | $1,172 | $3,172 | $441 |
| Fort Lawn, SC | $200 | $675 | $875 | $490 | $690 | $184 |
| Shiloh, SC | $1,000 | $437 | $1,437 | $317 | $1,317 | $119 |
| Ruby, SC | $100 | $688 | $788 | $500 | $600 | $188 |
| Sardinia, SC | $1,500 | $535 | $2,035 | $389 | $1,889 | $146 |
| Darlington, SC | $400 | $806 | $1,206 | $586 | $986 | $220 |
| Lesslie, SC | $1,500 | $1,055 | $2,555 | $767 | $2,267 | $288 |
| Home Insurance Company Lugoff, SC | Homeowners Insurance Agency Lugoff, SC | Address | Popularity Score | Distance from Lugoff (miles) |
|---|---|---|---|---|
| State Farm | Larry Dibiase | 2043 W Dekalb St, Camden, SC, 29020-2094 | 3.4 | |
| State Farm | Chuck Nash | 1120 Little St, Camden, SC, 29020-3613 | 4.9 | |
| Nationwide | Tonya D Parks | 9300 Two Notch Rd -N, Columbia, SC, 29223 | 16.0 | |
| Travelers | C & H Financial Services Of Sc Llc | 101 Rice Bent Way Unit 2, Columbia, SC, 29229 | 13.9 | |
| Allstate | Kyle Cassidy | 834 Broad St, Camden, SC, 29020 | 4.8 | |
| State Farm | Trey Webb | Ste 10 111 Sparkleberry Crossing Rd, Columbia, SC, 29229-8621 | 12.8 | |
| Liberty Mutual Independent | Jesse T Reese Inc | 2014 Assembly St, Columbia, SC, 29201 | 24.9 | |
| State Farm | Wayne Thierrien | 9016-A Farrow Road, Columbia, SC, 29203 | 16.9 | |
| State Farm | Gary Patterson | 830 Highway 1 S, Lugoff, SC, 29078-9345 | 0.9 | |
| Liberty Mutual Independent | Insurance Office Of America | 1221 Bower Pkwy Ste 101, Columbia, SC, 29212 | 28.7 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| South Carolina | $148,600 | $989 | $710 | $1,350 | $640 |
| Kershaw County, SC | $121,200 | $805 | $590 | $1,100 | $510 |
| Lugoff, SC | $136,700 | $775 | $530 | $1,090 | $560 |
| Arcadia Lakes, SC | $293,200 | $1,566 | $1,110 | $2,240 | $1,130 |
| Winnsboro South, SC | $108,600 | $749 | $520 | $1,040 | $520 |
| Lancaster County, SC | $169,000 | $1,017 | $700 | $1,430 | $730 |
| Lake Murray of Richland, SC | $314,800 | $1,632 | $1,180 | $2,270 | $1,090 |
| Fort Lawn, SC | $98,800 | $683 | $470 | $940 | $470 |
| Shiloh, SC | $66,900 | $442 | $300 | $610 | $310 |
| Ruby, SC | $100,800 | $696 | $470 | $980 | $510 |
| Sardinia, SC | $79,600 | $542 | $360 | $750 | $390 |
| Darlington, SC | $79,200 | $816 | $550 | $1,120 | $570 |
| Lesslie, SC | $163,700 | $1,068 | $770 | $1,460 | $690 |