How Can I Make My Lancaster, SC Home Insurance Cheaper
Gavop's guide to buying homeowners insurance in Lancaster, 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.
Compare Quotes from Top Providers and Save now!
Select the Suitable Coverage Value for your Lancaster, SC Home | Back to Top
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $33,500 | $30,000 | $25,000-$50,000 |
| 2 Bedroom | $90,500 | $80,000 | $100,000-$125,000 |
| 3 Bedroom | $153,000 | $120,000 | $175,000-$200,000 |
| 4 Bedroom | $132,500 | $110,000 | $100,000-$125,000 |
| 5 Bedroom | $204,000 | $190,000 | $175,000-$200,000 |
Estimate your Savings with Home Insurance Discounts in Lancaster, SC | Back to Top
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$144 | $614 |
| Superior Protection Discount | -$68 | $690 |
| Fire & Security Discount | -$53 | $705 |
| Hail Resistant Roof Discount | -$15 | $743 |
| Newly Constructed Home Discount | -$152 | $607 |
Choose your Lancaster, SC Home Insurance Coverage for your Specific Claim Requirement | Back to Top
| Claim Type | Average Claim Cost |
|---|---|
| General Claims | |
| Water Damage | $5,975 |
| Physical Damage | $2,319 |
| Hail Damage | $4,853 |
| Wind Damage | $6,051 |
| Expensive Claims | |
| Fire | $43,336 |
| Smoke | $16,386 |
Identify Top Home Insurance Agents near Lancaster, SC | Back to Top
| Home Insurance Company Lancaster, SC | Homeowners Insurance Agency Lancaster, SC | Address | Popularity Score | Distance from Lancaster (miles) |
|---|---|---|---|---|
| State Farm | Theresa Miley | 1009 Lake Murray Blvd, Irmo, SC, 29063-2824 | 49.8 | |
| Travelers | Springs Insurance | 7580 Charlotte Highway #800 Indian Land, Fort Mill, SC, 29715 | 18.1 | |
| State Farm | Brad Everhart | 1530 Dutch Fork Rd, Irmo, SC, 29063-8827 | 49.6 | |
| Allstate | Troy Moss | 1201 N Main St, Lancaster, SC, 29720 | 0.7 | |
| Allstate | David Vickers | 4937 Charlotte Hwy Ste 104, Lake Wylie, SC, 29710 | 31.9 | |
| Allstate | Blake Crook | 1676 Celanese Rd, Rock Hill, SC, 29732 | 21.7 | |
| State Farm | Jay Sylvan | 9789 Charlotte Hwy Ste 100, Fort Mill, SC, 29707-7180 | 19.7 | |
| Allstate | Tracy B Caldwell | 396 Lancaster Byp E, Lancaster, SC, 29720 | 0.3 | |
| Allstate | Richard Parker | 9400 Two Notch Rd Ste A, Columbia, SC, 29223 | 44.2 | |
| Allstate | William Berry | 1373 E Main St, Rock Hill, SC, 29730 | 18.7 |
Compare Rates for Lancaster, SC Home Insurance Providers | Back to Top
| 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 | $1,350 | $630 |
| Lancaster County, SC | $169,000 | $1,017 | $740 | $1,450 | $710 |
| Lancaster, SC | $113,700 | $759 | $520 | $1,080 | $560 |
| Wesley Chapel, NC | $327,800 | $998 | $710 | $1,410 | $700 |
| Weddington, NC | $435,500 | $1,017 | $740 | $1,400 | $660 |
| Riverview, SC | $101,300 | $700 | $500 | $960 | $460 |
| Bethune, SC | $85,000 | $583 | $410 | $810 | $400 |
| Fairfield County, SC | $101,100 | $649 | $470 | $920 | $450 |
| Blythewood, SC | $200,700 | $880 | $610 | $1,240 | $630 |
| Carlisle, SC | $78,300 | $533 | $370 | $760 | $390 |
| Concord, NC | $179,200 | $921 | $650 | $1,320 | $670 |
| Cheraw, SC | $97,200 | $624 | $420 | $850 | $430 |
| Lee County, SC | $69,800 | $802 | $580 | $1,130 | $550 |
Research Home Insurance Companies Reviews in Lancaster, SC Before Buying | Back to Top
Share a review on your home insurance company
State Farm Home Insurance Reviews
Date: September 20, 2019 Age: 30 to 39 Gender: Male Marital Status: Married
Premium
I think my deductible is pretty fair given what I pay on a monthly basis. I have the option to reduce the deductible but I would have to pay more per month to accomplish this.
Date: July 25, 2019 Age: 20 to 29 Gender: Male Marital Status: Married
Customer Service
I have to give State Farm a 5. They have always been reliable, friendly and have helped with any concerns we have ever had. I feel like we've grown a friendship with them.
Safeco Insurance Home Insurance Reviews
Date: June 05, 2019 Age: Above 60 Gender: Unmarried Marital Status: Female
Customer Service
This is a renter's insurance that we hold. I would rate them as a "5" because it is cheap and we have not had any issues. That being said, we have also not had any claims.
Esurance Home Insurance Reviews
Date: October 04, 2019 Age: 40 to 49 Gender: Female Marital Status: Married
Customer Service
I have owned a home for three years now and have only had one interaction with the company regarding an issue and they were easy to contact and get all the information that I needed.
MetLife Home Insurance Reviews
Date: September 04, 2019 Age: 30 to 39 Gender: Male Marital Status: Married
Policy Offerings
The policy is pretty straight forward, we shopped around and most policies fell into the same buckets. Thankfully we don't need flood at our home!