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.

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.

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.

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.

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.

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 can save you hundreds of dollars, but only a few insurers and agencies can offer the ability to bundle.

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.