Get an Instant Moncks Corner Home Insurance Quote!
With over 55 top-rated insurance carriers at our disposal, we pride ourselves on being an independent agency that can offer comprehensive Moncks Corner home insurance options to meet your every need. Our team of highly qualified homeowners insurance agents will do the heavy lifting for you, making your home insurance shopping process a breeze. Get started with an instant, free quote today, and let us help you customize your policy to find any discounts you qualify for. We shop, you save – it’s that simple!
What Does Moncks Corner Home Insurance Cover?
Most home insurance policies include some level of the following types of coverage.
Coverage A covers damages to your home
Coverage B covers damages to additional structures on your property such as detached garages, sheds, or fences
Coverage C covers damage to personal property such as furniture, electronics, and clothes
Coverage D covers additional living expenses if your home becomes uninhabitable due to a covered loss
Coverage E covers personal liability including coverage for claims arising from accidents on your property
Coverage F covers medical expenses for injuries occurring on your property for those outside of your household
When it comes to home insurance in Moncks Corner, there’s no shortage of options. A standard policy typically covers a variety of losses, including damage caused by weather, theft, and accidents. But not all policies are created equal. That’s why it’s important to work with a knowledgeable agent who can help you navigate the complexities of home insurance and tailor your coverage to fit your needs. Whether you need more protection for your personal belongings or additional liability coverage, we’ve got you covered.
What is the Cost of Home Insurance in Moncks Corner, South Carolina?
Your home insurance policy is crafted to fit your needs as a homeowner and protect your home. Your specific policy will look different from anybody else’s since it is built to protect your home and belongings. Look at how Moncks Corner compares to other averages.
National Average: $1,477
South Carolina Average: $1,684
Moncks Corner, South Carolina Average: $2,095
Your home insurance premium can vary from these averages, but it is always good to compare. If your current homeowners insurance policy is much less expensive than the city average, you may not have enough coverage and be underinsured. If you pay much more than these averages, you could simply be overpaying for home insurance.
Home Insurance in Moncks Corner Cost by Dwelling Coverage Limit
Dwelling coverage limits are one of the key factors that insurers consider when setting premiums. You’ll generally pay a higher premium if you choose a high dwelling coverage limit. However, it’s important to ensure adequate coverage to protect your home during a loss. If you have a mortgage on your home, your lender may require you to have a certain amount of dwelling coverage to protect your investment.
In Moncks Corner, South Carolina, a policy with $200,000-$299,999 in dwelling coverage costs an average of $1,821 per year. However, if your home is worth more, you’ll want more coverage, so homeowners wanting $400,000-$499,999 in dwelling coverage will pay an average of $2,765 in Moncks Corner, South Carolina.
Dwelling Coverage Limits Average Annual Premium (incl. Windstorm & Hail Coverage)
$100,000.00 - $199,999.00 $1,577.31
$200,000.00 - $299,999.00 $1,821.08
$300,000.00 - $399,999.00 $2,330.46
$400,000.00 - $499,999.00 $2,764.95
$500,000.00 - $599,999.00 $3,119.12
$600,000.00 - $699,999.00 $3,874.36
Moncks Corner Home Insurance Quotes and Your Home’s Age
Many factors go into calculating your home insurance premium, including your home’s age. Typically, older homes are more expensive to insure because their structure and other components tend to be outdated (Ex. using galvanized piping instead of PEX) and experienced years of all-around wear and tear.
Age is not the only influencing factor for your home insurance premium. Carriers look at a variety of other things, including:
- Attractive nuisances
- Pet breeds
- Claims history
- Credit score
- Crime rate
- Marital status
- Replacement cost
- And much more!
Moncks Corner Zip Codes TGS Insurance Agency Covers
If your zip code is not listed, fret not! We have access to amazing rates for homeowners all across South Carolina. Simply enter your address above to get started with a free instant quote.