How Can I Make My Columbia, SC Home Insurance Cheaper

Gavop shows you how to buy homeowners insurance in Columbia, SC by estimating coverage, choosing the right deductible, contacting the best agents, understanding claim requirements, comparing cheap rates, using discount options and reading reviews.

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Select the Suitable Coverage Value for your Columbia, SC Home | Back to Top

Bedrooms Average Home Value Estimated Replacement Value Recommended Home Insurance Coverage
1 Bedroom $45,500 $40,000 $50,000-$75,000
2 Bedroom $95,000 $80,000 $100,000-$125,000
3 Bedroom $152,500 $130,000 $150,000-$175,000
4 Bedroom $121,500 $110,000 $100,000-$125,000
5 Bedroom $247,000 $230,000 $200,000-$250,000

Estimate your Savings with Home Insurance Discounts in Columbia, SC | Back to Top

Type Discount ($) Premium After Discount ($)
Multipolicy Discount -$180 $769
Superior Protection Discount -$95 $854
Fire & Security Discount -$66 $883
Hail Resistant Roof Discount -$19 $930
Newly Constructed Home Discount -$218 $731

Choose the Right Deductible for your Columbia, SC Home | Back to Top

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
Richland County $700 $966 $1,666 $702 $1,402 $264
Columbia, SC $1,000 $938 $1,938 $682 $1,682 $256
Cayce, SC $100 $695 $795 $505 $605 $190
Pontiac, SC $1,000 $895 $1,895 $650 $1,650 $244
Livingston, SC $2,500 $642 $3,142 $467 $2,967 $176
Sumter County, SC $500 $747 $1,247 $543 $1,043 $204
Cameron, SC $700 $632 $1,332 $460 $1,160 $173
Sumter, SC $300 $837 $1,137 $608 $908 $229
Ward, SC $2,000 $597 $2,597 $434 $2,434 $163
Cope, SC $300 $519 $819 $377 $677 $142
Stokes Bridge-Cypress Crossroads, SC $2,000 $551 $2,551 $401 $2,401 $151

Identify Top Home Insurance Agents near Columbia, SC | Back to Top

Home Insurance Company Columbia, SC Homeowners Insurance Agency Columbia, SC Address Popularity Score Distance from Columbia (miles)
Nationwide Tonya D Parks 9300 Two Notch Rd -N, Columbia, SC, 29223
6.9
Travelers C & H Financial Services Of Sc Llc 101 Rice Bent Way Unit 2, Columbia, SC, 29229
10.5
Liberty Mutual Independent Mccain Atkinson Insurance Inc 18478 Heritage Hwy, Denmark, SC, 29042
48.3
State Farm Trey Webb Ste 10 111 Sparkleberry Crossing Rd, Columbia, SC, 29229-8621
9.7
State Farm Troy Roberts 3206 Millwood Ave, Columbia, SC, 29205-1827
1.1
State Farm Gregory Nicholas 8006 Garners Ferry Rd Ste E, Columbia, SC, 29209-5146
5.9
Travelers Adams Eaddy & Associates Insurance 2230 Devine St, Columbia, SC, 29205
1.7
Liberty Mutual Independent Jesse T Reese Inc 2014 Assembly St, Columbia, SC, 29201
2.9
State Farm Liz Portee 1907 Sunset Blvd, West Columbia, SC, 29169-5931
6.0
Allstate Joe Johnston 2906 Devine St, Columbia, SC, 29205
1.3

Compare Rates for Columbia, SC Home Insurance Providers | Back to Top

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Place Typical Home Value Typical Home Insurance Costs 25th Percentile 75th Percentile Potential Savings & Difference between 25th & 75th Percentile
South Carolina $148,600 $989 $660 $1,390 $730
Richland County, SC $154,100 $977 $660 $1,390 $730
Columbia, SC $148,600 $949 $640 $1,350 $710
Cayce, SC $122,400 $703 $500 $970 $470
Pontiac, SC $165,800 $906 $620 $1,290 $670
Livingston, SC $94,200 $650 $470 $900 $430
Sumter County, SC $113,200 $756 $540 $1,070 $530
Cameron, SC $92,700 $640 $470 $880 $410
Sumter, SC $128,300 $847 $580 $1,200 $620
Ward, SC $87,800 $604 $440 $860 $420
Cope, SC $77,300 $525 $350 $720 $370
Stokes Bridge-Cypress Crossroads, SC $81,700 $558 $410 $790 $380

Research Home Insurance Companies Reviews in Columbia, SC Before Buying | Back to Top

Share a review on your home insurance company


State Farm Home Insurance Reviews

Date: March 06, 2019    Age: 20 to 29    Gender: Male    Marital Status: Unmarried

Policy Offerings
I am satisfied with state farm's offerings, I have been with state farm for 10 years so I haven't done research on other offering which is why I gave them a 3 because I really don't know the competition.


Date: September 03, 2018    Age: 40 to 49    Gender: Male    Marital Status: Married

Customer Service
Our insurance agent is local so it makes them very approachable for us. The customer service has always been great, I can't speak for what would happen if a claim was filed, as we have not filed a claim.

Date: August 27, 2018    Age: 40 to 49    Gender: Male    Marital Status: Unmarried

Policy Offerings
To my knowledge, our homeowner's insurance covers our dwelling as well as out detached garage and swimming pool, as well as medical coverage for people potentially injured on the property


Date: August 04, 2018    Age: 20 to 29    Gender: Female    Marital Status: Married

Website/App
I feel as though the website is a little dated, however, it gets the job done. I feel as though they could do more to be clearer about what is covered and not covered.

Date: May 14, 2018    Age: 20 to 29    Gender: Female    Marital Status: Married

Communication
There is little to no communication other than the bill we receive and pay monthly. We have never had to use our homeowner's insurance.

Date: November 19, 2017    Age: 20 to 29    Gender: Male    Marital Status: Married

Premium
When we shopped around for insurance coverage our company was middle of the road. We felt that choosing a company that was higher was a waste of money and lower may not be as established.

National General Home Insurance Reviews

Date: September 18, 2018    Age: 40 to 49    Gender: Female    Marital Status: Married

Policy Offerings
My homeowner's insurance only covers my dwelling right now due to some special circumstances but at least I still have homeowners coverage.


Date: September 11, 2018    Age: 20 to 29    Gender: Female    Marital Status: Unmarried

Website/App
I like everything about my companies website. It is simple and offers an easy online payment option for me to use.

Date: September 10, 2018    Age: 40 to 49    Gender: Male    Marital Status: Unmarried

Premium
I am totally satisfied with my premium. This company gave me an affordable premium when other companies wouldn't so I can't complain.

Date: July 30, 2018    Age: 20 to 29    Gender: Male    Marital Status: Married

Communication
They are easy to get in contact with and I've never had to wait on hold for a very long time when calling them.

Date: November 19, 2017    Age: 20 to 29    Gender: Male    Marital Status: Married

Customer Service
Fortunately, I haven't had to have much experience with customer service except my initial sign up process and it went pretty smooth.

Allstate Home Insurance Reviews

Date: October 19, 2019    Age: Above 60    Gender: Female    Marital Status: Married

Customer Service
We have been using All State for over 10yrs and I have gone into the local office a few times for questions. They have always giving me answers and polite services. I enjoy there branch office.

Date: July 25, 2019    Age: 30 to 39    Gender: Female    Marital Status: Married

Policy Offerings
IT seems to be the best rate for the coverage i could find


Date: April 02, 2019    Age: 30 to 39    Gender: Female    Marital Status: Married

Premium
premium is lower and the deductible is also lower, and that is why we chose Allstate for our insurance company.

Date: November 28, 2018    Age: 30 to 39    Gender: Female    Marital Status: Unmarried

Premium
For the price, Allstate is one of the best insurance companies out there and their flood policies are much cheaper than most others.

Date: October 24, 2018    Age: 20 to 29    Gender: Female    Marital Status: Married

Website/App
It is not very intuitive and it is hard to find my documents and hard to make changes to my policy or see how much it would cost to make changes.

Amica Mutual Insurance Home Insurance Reviews

Date: September 05, 2018    Age: 40 to 49    Gender: Male    Marital Status: Unmarried

Website/App
I don't have much experience with the website, but from what I can see, it is fine.

Date: August 30, 2018    Age: 30 to 39    Gender: Female    Marital Status: Married

Communication
They always got back to me in a timely manner, and took interest in my needs.

Date: August 26, 2018    Age: Above 60    Gender: Male    Marital Status: Unmarried

Customer Service
The service people are very kind, and seem to genuinely care.

Date: May 15, 2018    Age: 30 to 39    Gender: Female    Marital Status: Married

Premium
I think the premium is on par with the average of other companies.

Date: November 25, 2017    Age: 30 to 39    Gender: Male    Marital Status: Unmarried

Policy Offerings
My house is covered for fire and certain weather damages. It exceeds the market value of the home.


Liberty Mutual Home Insurance Reviews

Date: December 28, 2018    Age: 40 to 49    Gender: Male    Marital Status: Married

Policy Offerings
I am satisifed even though i never ever have filed a claim. The insurance is comaparable and it saved me money so I am good


Centauri Insurance Home Insurance Reviews

Date: January 02, 2019    Age: 30 to 39    Gender: Female    Marital Status: Married

Premium
I rate my company a four for the deductible policy compared to others. I am satisfied with my home insurance company.

GEICO Home Insurance Reviews

Date: June 09, 2019    Age: 30 to 39    Gender: Unmarried    Marital Status: Male

Customer Service
I haven't had many experiences with my home insurance company but the interaction I've had was positive. They explained what my coverage was and reviewed to see.

The Hartford Home Insurance Reviews

Date: February 20, 2019    Age: Above 60    Gender: Female    Marital Status: Unmarried

Premium
I think all premiums are too high. I had to raise my deductible in order to lower my premium when I was experiencing some financial difficulties. I am going to research other companies, to find lower ins.

Farmer's Insurance Home Insurance Reviews

Date: October 11, 2019    Age: 40 to 49    Gender: Male    Marital Status: Married

Premium
Overall it is very comparable to other insurance as premium and deductible are very comparable and I don't have any reason to switch

9 Ways to Get Discounts on Homeowners Insurance in Columbia, SC

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