Shopping For Cheap Spartanburg Home Insurance Is Easier Than You Think
As an independent agency, we represent 55+ top-rated insurance carriers, which allows us to offer comprehensive insurance options to meet your every need. The best part? Our highly qualified homeowners insurance agents do the hard work for you, making your home insurance shopping process easy and stress-free. Your savings start with an instant, free quote. Our agents are ready to help you further customize your quote and find any discounts you might qualify for!
We shop. You Save. Yes, it really is that easy.
What is Included in Spartanburg Home Insurance?
There are a few standard forms of home insurance that offer different levels of protection. This varies from different perils coverage and how much protection you want. Most of these forms include coverage- at some level- for:
- Dwelling
- Other Structures
- Personal Property
- Loss of Use
- Personal Liability
- Medical Payments
Having these coverages at the base of every standard home policy allows everyone to be somewhat protected. You can choose whether or not you have more coverage in one area compared to another. All of this is based on your unique lifestyle in Spartanburg.
What Does Home Insurance Cost in Spartanburg?
Homeowners insurance in Spartanburg costs $1,233 a year, or $103 a month, for TGS Insurance customers. The cost of your home insurance premium will vary based on a few different things. This can be from your credit, location, value of your home, and what year your home was built. It is normal for your home insurance to vary from this average and other numbers you see online. The great thing about it is that you can completely customize your coverage.TGS has helped over 15,000 customers save on their home insurance premiums. To lock in your savings, type your address above for an instant quote!
Average Homeowners Insurance Cost by Coverage Level in Spartanburg
The cost to replace your home is essential to determine the dwelling coverage you need on your home insurance policy; this limit directly impacts your home insurance premium. On top of affecting your average annual costs, having an accurate replacement cost can prevent you from being underinsured if a covered loss takes your entire house. These are the average annual home insurance costs in Spartanburg, South Carolina, based on dwelling coverage limits associated with the policy.
| Dwelling Coverage Limits | Average Annual Premium (incl. Windstorm & Hail Coverage) |
|---|---|
| $100,000.00 - $199,999.00 | $969.77 |
| $200,000.00 - $299,999.00 | $1,075.58 |
| $300,000.00 - $399,999.00 | $1,356.87 |
| $400,000.00 - $499,999.00 | $1,673.86 |
| $500,000.00-$599,999.00 | $2,028.49 |
| $600,000.00-$699,999.00 | $2,295.45 |
Does My ZIP Code Affect Home Insurance Premiums in Spartanburg?
Insurance carriers look at more than your home state when pricing your premium- they can get as specific as your ZIP Code. For example, in South Carolina, when you are closer to the coast, you may experience higher annual premiums because of your risks of perils like flooding and hurricanes. In Spartanburg, the ZIP code 29303 has the lowest premium of $1,130 for TGS customers. The ZIP code with the highest premium is 29302, costing TGS customers an average of $1,282 a year.
Spartanburg Zip Codes We Insure
- 29301
- 29302
- 29303
- 29306
- 29307
Don’t see your zip code? It’s okay! At TGS Insurance Agency, we have access to a wide range of insurance carriers and products to help homeowners throughout South Carolina save money on their home insurance. Get a free, instant quote today and protect yourself, your family, and your home from the unexpected.
