Homeowners Insurance in Greenville, South Carolina
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- Homeowners Insurance in Greenville, South Carolina
Greenville, South Carolina, is widely known as one of the best places to live in the Palmetto State if you’re looking for outdoor adventures with a hint of history.
Nestled in the pines and closer to the Georgia border than the Atlantic Ocean, the city sees fewer major-weather storms than its coastline counterparts. That’s why the average cost of homeowners insurance in Greenville is much less than in many other major cities in the state. Let’s take a look at what you can expect to pay to insure your house.
How Much Is Homeowners Insurance in Greenville, South Carolina?
The average cost of homeowners insurance in Greenville, South Carolina, is about $1,021 per year, which is 38% below the statewide average cost of $1,641 annually, making Greenville one of the most affordable notable cities in South Carolina for home insurance.
Average Cost of Homeowners Insurance in Greenville | |
City | Average Premium |
Greenville | $1,021 |
The price you pay depends on a multitude of factors, but your home’s construction type and value are arguably the most defining factors that have the biggest impact on the bottom line. Let’s take a look at the baseline averages of what you can expect to pay for homeowners insurance in Greenville.
Homeowners with a masonry concrete-based home typically pay less for homeowners insurance because their houses are less susceptible to damage by heavy windstorms like tornadoes and hurricanes. But the average premiums aren’t too off.
What also decides premium prices is the age of your home. Older homes may have been put through the wringer a bit more, and are less inclined to hold up to major damage. Plus the electrical, plumbing and HVAC systems may be getting near the end of their life, which could cause some unexpected misfortunes.
It’s worth noting that the cost of construction has been trending upward for a few years, impacting the amount of insurance you need and possibly making higher coverage limits. Insurance rates have been climbing in many places throughout the nation in recent years.

We partner with the nation’s top homeowners insurance companies so you can get a custom policy at an affordable price.
What Does Home Insurance in Greenville, South Carolina Cover?
Home insurance in Greenville covers much more than your house. It protects your finances in a few scenarios, your possessions and, well, let’s just take a look at the six different coverage types and what they include.
Greenville Homeowners Insurance Coverages | |
Coverage | Definition |
Dwelling Coverage | Dwelling coverage covers the parts of your home at its basic structure, down to the nuts and bolts. This coverage can help you repair or replace things like your roof, floors, foundation, walls, HVAC system, electrical system, and more. |
Other Structures Coverage | Other structures coverage can help you protect the elements of your property that aren’t attached to your main home. This can include things like your fence, detached garage, pool, shed, and more. |
Personal Property Coverage | Personal property coverage can help you cover the expenses to repair or replace the belongings you store in every nook and cranny of your property. It covers a long list of items like sports equipment, instruments, jewelry, electronics, appliances, tools, and much more. |
Loss of Use Coverage | Loss of use coverage can help you cover the expenses you may owe on basic necessities if your house is rendered temporarily unlivable by a covered peril on your policy. It can cover costs for things like temporary housing, gasoline, storage fees, pet boarding, and more. |
Personal Liability Coverage | Personal liability coverage may come to your rescue if you’re found liable for damage to someone else’s property or a guest’s injuries on or off your property. This coverage can help you cover the cost of medical expenses and legal fees, if, for example, someone suffers a dog bite from your beloved pet. |
Medical Payments Coverage | Medical payments coverage is very similar to personal liability coverage, but the two protections have some key differences. Medical payments coverage will only help you cover medical expenses for a guest’s injuries incurred on your property, and the injury must be considered minor. |
Finding Flood Insurance Agents in Greenville, South Carolina
Homeowners insurance doesn’t cover flooding, so you’ll need a separate flood insurance policy for that.
Although not the same as Federal Emergency Management Agency (FEMA) flood maps, Greenville did just update its city flood maps in 2023, so flooding is on the mind of Greenville officials and they encourage residents to get flood coverage.
Fortunately, getting a South Carolina flood insurance policy is extremely easy. All you need to do is fill out our online quoting form to be quickly matched with a policy that fits your needs and your budget.

Do you want to pay for costly and common flood damage yourself or have an insurance policy pick up the tab?
Mobile Home Insurance in Greenville, South Carolina
Although mobile homes are a type of house and they’re owned and can be financed through a mortgage, home insurance for mobile homes differs from a traditional home. Mobile homes may be far less expensive than a traditional house, but they can also sustain much more damage from natural disasters.
For those reasons, some home insurance companies strictly stray away from insuring mobile homes in large part due to the risk of an exponential number of claims.
Bundling Home and Auto Insurance in Greenville, South Carolina
Bundling home and auto insurance in Greenville, South Carolina can save you hundreds of dollars, but only a few insurers and agencies can offer the ability to bundle.
How to Get a Quote for Home Insurance in Greenville
Getting a homeowners insurance quote is easy as ever with Clovered. Our online quoting platform is simple to use, extremely intuitive and can compare the premiums of some of the state’s top insurers, so you get the best policy at the best price.
We’re always here to help. If you’d rather speak to a licensed agent on the phone, just call 833-255-4117 Monday through Friday from 8:30 a.m. to 6 p.m. Or you can email us anytime at agent@clovered.com.

We partner with the nation's top homeowners insurance companies so you can get a custom policy at an affordable price.
The editorial content on Clovered’s website is meant to be informational material and should not be considered legal advice.