Gavop's guide to buying homeowners insurance in Kershaw County, SC covers how to get the right coverage, optimize deductibles, identify the best agents, understand claim requirements, avail discount options, compare cheap quotes and research reviews.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $45,000 | $40,000 | $25,000-$50,000 |
| 2 Bedroom | $142,000 | $120,000 | $100,000-$125,000 |
| 3 Bedroom | $150,000 | $140,000 | $150,000-$175,000 |
| 4 Bedroom | $136,000 | $110,000 | $125,000-$150,000 |
| 5 Bedroom | $178,500 | $170,000 | $175,000-$200,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$129 | $676 |
| Superior Protection Discount | -$72 | $733 |
| Fire & Security Discount | -$81 | $725 |
| Hail Resistant Roof Discount | -$24 | $781 |
| Newly Constructed Home Discount | -$209 | $596 |
| 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 | $2,000 | $795 | $2,795 | $578 | $2,578 | $217 |
| Kershaw County, SC | $1,500 | $795 | $2,295 | $578 | $2,078 | $217 |
| Lugoff, SC | $500 | $766 | $1,266 | $557 | $1,057 | $209 |
| McBee, SC | $2,500 | $496 | $2,996 | $360 | $2,860 | $136 |
| Lynchburg, SC | $400 | $426 | $826 | $309 | $709 | $116 |
| Oak Grove, SC | $700 | $717 | $1,417 | $521 | $1,221 | $196 |
| Shiloh, SC | $200 | $437 | $637 | $317 | $517 | $119 |
| Waxhaw, NC | $1,500 | $896 | $2,396 | $651 | $2,151 | $245 |
| South Congaree, SC | $100 | $851 | $951 | $618 | $718 | $232 |
| Lexington, SC | $700 | $996 | $1,696 | $724 | $1,424 | $272 |
| Gulledge, NC | $400 | $468 | $868 | $340 | $740 | $128 |
| Marvin, NC | $2,500 | $773 | $3,273 | $562 | $3,062 | $211 |
| Home Insurance Company Kershaw County, SC | Homeowners Insurance Agency Kershaw County, SC | Address | Popularity Score | Distance from Kershaw County (miles) |
|---|---|---|---|---|
| State Farm | Chuck Nash | 1120 Little St, Camden, SC, 29020-3613 | 6.3 | |
| Liberty Mutual Independent | Gill Insurance | 235 Oakland Ave, Rock Hill, SC, 29730 | 47.9 | |
| State Farm | Larry Dibiase | 2043 W Dekalb St, Camden, SC, 29020-2094 | 6.7 | |
| Allstate | William Berry | 1373 E Main St, Rock Hill, SC, 29730 | 46.2 | |
| Liberty Mutual Independent | Gill Insurance | 235 W Oakland Ave, Rock Hill, SC, 29730 | 47.9 | |
| Allstate | Kyle Cassidy | 834 Broad St, Camden, SC, 29020 | 6.7 | |
| Nationwide | Chichester Insurance Agency Inc. | 305 Main St, Blythewood, SC, 29016-8324 | 23.5 | |
| Nationwide | Thomas M. Richardson Agency Inc. | 1610 Bridge St West, St Matthews, SC, 29135-1373 | 47.6 | |
| State Farm | Gary Patterson | 830 Highway 1 S, Lugoff, SC, 29078-9345 | 8.9 | |
| State Farm | Jon Cooper | 101b Ministry Dr, Irmo, SC, 29063-2347 | 37.9 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| South Carolina | $148,600 | $989 | $720 | $1,360 | $640 |
| Kershaw County, SC | $121,200 | $805 | $550 | $1,140 | $590 |
| Kershaw County, SC | $121,200 | $805 | $590 | $1,140 | $550 |
| Lugoff, SC | $136,700 | $775 | $550 | $1,080 | $530 |
| McBee, SC | $74,400 | $502 | $360 | $710 | $350 |
| Lynchburg, SC | $65,500 | $431 | $310 | $620 | $310 |
| Oak Grove, SC | $126,800 | $726 | $490 | $1,040 | $550 |
| Shiloh, SC | $66,900 | $442 | $310 | $630 | $320 |
| Waxhaw, NC | $285,200 | $906 | $630 | $1,250 | $620 |
| South Congaree, SC | $126,200 | $861 | $620 | $1,190 | $570 |
| Lexington, SC | $166,900 | $1,008 | $730 | $1,420 | $690 |
| Gulledge, NC | $73,600 | $474 | $320 | $670 | $350 |
| Marvin, NC | $633,300 | $783 | $570 | $1,080 | $510 |