Gavop's guide to buying homeowners insurance in Fairfield 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 | $33,500 | $30,000 | $25,000-$50,000 |
| 2 Bedroom | $93,000 | $80,000 | $75,000-$100,000 |
| 3 Bedroom | $87,500 | $70,000 | $75,000-$100,000 |
| 4 Bedroom | $114,000 | $100,000 | $100,000-$125,000 |
| 5 Bedroom | $236,500 | $210,000 | $200,000-$250,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$123 | $526 |
| Superior Protection Discount | -$58 | $591 |
| Fire & Security Discount | -$52 | $597 |
| Hail Resistant Roof Discount | -$19 | $630 |
| Newly Constructed Home Discount | -$182 | $467 |
| 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 |
| Fairfield County | $1,500 | $641 | $2,141 | $466 | $1,966 | $175 |
| Fairfield County, SC | $700 | $641 | $1,341 | $466 | $1,166 | $175 |
| Eureka Mill, SC | $400 | $415 | $815 | $302 | $702 | $113 |
| Columbia, SC | $2,000 | $938 | $2,938 | $682 | $2,682 | $256 |
| Rock Hill, SC | $300 | $968 | $1,268 | $704 | $1,004 | $265 |
| Gilbert, SC | $2,000 | $905 | $2,905 | $657 | $2,657 | $247 |
| Van Wyck, SC | $300 | $958 | $1,258 | $696 | $996 | $262 |
| Clinton, SC | $700 | $813 | $1,513 | $591 | $1,291 | $222 |
| Hickory Grove, SC | $400 | $760 | $1,160 | $552 | $952 | $208 |
| Riverview, SC | $700 | $692 | $1,392 | $503 | $1,203 | $189 |
| Wesley Chapel, NC | $500 | $986 | $1,486 | $717 | $1,217 | $270 |
| Home Insurance Company Fairfield County, SC | Homeowners Insurance Agency Fairfield County, SC | Address | Popularity Score | Distance from Fairfield County (miles) |
|---|---|---|---|---|
| Allstate | Iain Colquhoun | 3150 Highway 21 Ste 105, Fort Mill, SC, 29715 | 48.3 | |
| Nationwide | Morgan & Associates Inc. | 104 Hamilton St, Lexington, SC, 29072-2116 | 28.3 | |
| Allstate | Bradley D Grooms | 100 Obrian Way, Irmo, SC, 29063 | 19.5 | |
| State Farm | Brad Everhart | 1530 Dutch Fork Rd, Irmo, SC, 29063-8827 | 19.8 | |
| Allstate | Sidney Lyles | 11134 Broad River Rd Ste 202, Irmo, SC, 29063 | 18.1 | |
| State Farm | Rob Joiner | 1722 Celanese Rd, Rock Hill, SC, 29732-1731 | 40.7 | |
| Travelers | Sifford-Stine Insurance | 214 S Main St, Clover, SC, 29710 | 49.5 | |
| Nationwide | Chichester Insurance Agency Inc. | 305 Main St, Blythewood, SC, 29016-8324 | 15.2 | |
| Travelers | Palmetto Insurance Professionals Inc | 418 Tom Hall St, Fort Mill, SC, 29715 | 43.6 | |
| State Farm | Sandy Khan | 152 Blythewood Rd, Blythewood, SC, 29016-8425 | 15.2 |
| 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 |
| Fairfield County, SC | $101,100 | $649 | $450 | $900 | $450 |
| Fairfield County, SC | $101,100 | $649 | $450 | $900 | $450 |
| Eureka Mill, SC | $64,200 | $420 | $310 | $600 | $290 |
| Columbia, SC | $148,600 | $949 | $650 | $1,320 | $670 |
| Rock Hill, SC | $154,700 | $980 | $710 | $1,400 | $690 |
| Gilbert, SC | $168,300 | $916 | $610 | $1,290 | $680 |
| Van Wyck, SC | $277,200 | $970 | $660 | $1,350 | $690 |
| Clinton, SC | $87,900 | $823 | $590 | $1,130 | $540 |
| Hickory Grove, SC | $111,700 | $769 | $550 | $1,070 | $520 |
| Riverview, SC | $101,300 | $700 | $510 | $970 | $460 |
| Wesley Chapel, NC | $327,800 | $998 | $720 | $1,410 | $690 |