Sumter Homeowners Insurance

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Sumter, South Carolina, is a diverse city located centrally in the state, roughly equal distances from the Blue Ridge Mountains to the west and the Atlantic Ocean to the east. As one of the more populous cities in the state, there’s plenty to do and see.

Sumter homeowners will need home insurance if they have a mortgage. Deciding on the right homeowners insurance provider isn’t a decision to be taken lightly. Below, we provide the information you need to make an informed decision.

We break down average rates in the Sumter area, as well as common factors and coverages you can expect.

Average Cost of Homeowners Insurance in Sumter, South Carolina

For $200,000 homes, the average home insurance cost in Sumter is about $1,760. They’re higher than the similar-sized city of Greer that’s just two and a half hours to the east.

There are many factors that insurance companies consider when determining rates. We’ll analyze premiums accounting for some important variables so you can fully understand what to expect when shopping for Sumter homeowners insurance.

Average Homeowners Insurance Cost in Sumter for a $200,000 House


Allstate$1,593
Foremost$5,763
Nationwide$2,064
State Farm$1,813
Travelers$1,179
UPCIC$1,048
Average$1,760

Average Homeowners Insurance Cost in Sumter for a $350,000 House


Allstate$2,216
Foremost$11,141
Nationwide$3,345
State Farm$2,438
Travelers$1,811
UPCIC$1,816
Average$2,817

Key Factors to Consider in Premium Pricing


The rates in this article are from the South Carolina Department of Insurance​. They reflect actual prices from insurers that write at least $1 million in premiums in the state. However, they don’t reflect policy discounts or other variations in price that may apply to your particular policy.

Claims History

The average rates were factored by utilizing data from policyholders who haven’t filed a home insurance claim in the last five years. Insurers believe a policyholder who has filed a claim is more likely to file another in the future, which poses an increased financial risk for them. So your premiums may be higher than these averages if you’ve recently filed a claim.

Credit Rating

Your credit rating is an aggregate of your outstanding debts and payment history. Insurers in most states use it as an indicator of your ability to pay your premiums on time. If you have a bad credit score (less than 600), you’ll likely pay higher premiums than someone with a fair credit score (600 to 700) or a good credit score (700+). The average rates were determined by using a fair credit score rating.

Home Construction Type

The two most common types of home construction are frame and masonry. Frame homes are built with wood, while masonry homes are made of brick or concrete. Generally, premiums on masonry homes are lower because they can withstand the elements better, even though they may have a higher replacement cost.

Sumter Home Insurance Evaluation

Based on our list of top providers, the average premium for a $350,000 house in Sumter is 60% higher than the average home insurance premium for a $200,000 house. But, you’ll see when looking at individual rates from providers that they can vary quite a bit.

For instance, the most affordable companies, Universal Property & Casualty and Travelers, are over $400 cheaper than the closest competitor for homes at both price points. Also, Foremost is remarkably more costly than the rest of the names on the list. 

It’s important to note, though, that this doesn’t mean Foremost would be the most expensive for you, nor does it mean that it’s not worth it. Every provider can have slight differences in their offerings, and the best option for you may not be the best option for someone else.

For a further understanding of home insurance costs in Sumter, take a look at the numbers below, where we accounted for even more of the factors that affect premiums:

Average Homeowners Insurance Premiums for a $200,000 House (1-34 Years Old)

Company

Allstate
Foremost
Nationwide
State Farm
Travelers
UPCIC
Average

Frame

$1,403
$6,166
$1,852
$1,835
$1,106
$1,063
$1,673

Masonry

$1,300
$5,359
$1,585
$1,637
$1,038
$893
$1,509

Average

$1,351
$5,763
$1,719
$1,736
$1,072
$978
$1,591

Average Homeowners Insurance Premiums for a $200,000 House (35+ Years Old)

Company

Allstate
Foremost
Nationwide
State Farm
Travelers
UPCIC
Average

Frame

$1,915
$6,166
$2,613
$1,997
$1,329
$1,215
$1,968

Masonry

$1,753
$5,359
$2,206
$1,783
$1,243
$1,021
$1,759

Average

$1,834
$5,763
$2,410
$1,890
$1,286
$1,118
$1,863

Breakdown of Home Insurance in Sumter, South Carolina

You’ll see that masonry homes have lower premiums than frame homes. You’ll also notice that younger homes cost less to insure than older homes. 

On average, masonry homes had premiums about $200 lower than frame homes of similar value and age. This occurs because masonry homes tend to be able to stand up to the elements better. Bricks and concrete are sturdier. Thus, they take less damage from strong winds than wooden frames. Masonry homes are also less susceptible to fire damage since there’s much less flammable wood in them.

Younger homes also tend to have lower premiums because older homes are more likely to have issues that lead to claims. Old roofs, aging HVAC systems, and out-of-date construction methods can all be warnings signs to insurers. Take a look at the costs of home insurance for $350,000 houses in Sumter:

Average Homeowners Insurance Premiums for a $350,000 House (1-34 Years Old)

Company

Allstate
Foremost
Nationwide
State Farm
Travelers
UPCIC
Average

Frame

$2,004
$11,923
$3,004
$2,466
$1,696
$1,842
$2,710

Masonry

$1,828
$10,358
$2,577
$2,197
$1,596
$1,545
$2,441

Average

$1,916
$11,141
$2,791
$2,331
$1,646
$1,694
$2,576

Average Homeowners Insurance Premiums for a $350,000 House (35+ Years Old)

Company

Allstate
Foremost
Nationwide
State Farm
Travelers
UPCIC
Average

Frame

$2,752
$11,923
$4,246
$2,677
$2,061
$2,108
$3,160

Masonry

$2,281
$10,358
$3,554
$2,413
$1,892
$1,769
$2,831

Average

$2,516
$11,141
$3,900
$2,545
$1,977
$1,939
$2,996

It’s Time to Switch Your Homeowners Insurance

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 Sumter Cover? 

No matter where you are, home insurance policies consist of some common, essential coverages. In Sumter, it’s no different. Here are the parts of a home insurance policy you can expect:


Dwelling coverage is for the main structure of your house. It covers the roof, walls, floors, any porches or balconies, and the wiring and plumbing systems. Other structures coverage is designated for the features on your property that aren’t attached to your home. These could include sheds, fences, carports, detached garages, and more. 

Dwelling coverage is based on the value of your home (either its market value or its replacement cost), and other structures coverage is based on a percentage (typically 10%) of your dwelling coverage.

Personal property coverage financially protects your belongings. Furniture, television, computers, clothes, art, and jewelry fall under personal property coverage. If your items get stolen or damaged by a covered peril, your insurer will reimburse you for them.

Loss of use coverage is applicable if you’re forced to move out of your house because of damage from a covered peril. Let’s say your house is rendered uninhabitable from hurricane damage or a fire.

You’ll have to go somewhere else temporarily while your insurer covers the repairs. Your insurance company will also cover your costs under loss of use coverage in this scenario. They can reimburse you for a hotel stay, gas, food, and more.

Liability coverage kicks in if someone sustains an injury on your property and wants to pursue you for the damages. Think of a slip and fall, or a dog bite. If you’re found liable for the accident, your liability coverage can cover your legal fees and the injured party’s medical expenses. Home insurance policies normally come with at least $100,000 in liability coverage, but you can choose to raise this limit.

Medical payments coverage is like liability coverage, but it’s designated only for minor injuries. Policies usually have medical payments coverage limits in the thousands of dollars, such as $4,000 or $5,000.

What Factors Affect Home Insurance Rates in Sumter?

In addition to the factors we mentioned, insurers think about many other considerations when determining a premium. Some of them are:

Location of your house: If your house is in an area susceptible to severe weather, you may pay higher premiums. While Sumter is largely protected from hurricane damage because of its distance from the coast, South Carolinians still have to be wary every storm season. Just three years ago, effects from Hurricane Florence were felt in Sumter. 

Insurers factor in the possibility of damage from severe weather and calculate it into premiums to account for the chance of a hurricane damage claim payout. The same goes for tornadoes. The Sumter area has a fair chance of seeing tornadoes every year. Providers account for these.

Your claims history: Another part of calculating risk for insurers involves looking at the policyholder. If you have a history of filing insurance claims, a provider will likely charge you higher premiums.

Insurance companies believe that someone who has filed claims in the recent past is more likely to file another in the future, so they raise the rates for that person to offset the increased chances of a payout.

Features of your home: While they may make your home more enjoyable, having certain elements in your house called “attractive nuisances” can increase how much you pay for home insurance. Pools, trampolines, and playground equipment are all attractive nuisances. They make your home riskier, so insurers watch out for them.

Conversely, certain things about your home can decrease your rate, too. Having a home security system can get you a discount with many insurance companies. Proving your home can stand up to strong winds with a wind mitigation inspection can reduce premiums also.

How to Get a Home Insurance Quote in Sumter, South Carolina

When you’re shopping for home insurance, you should get quotes from multiple providers to see which one is the best deal for you. At Clovered, we make this easy. We partner with many of the country’s top insurance providers, and we have agents that want to help you find coverage.

 You can use our online quoting platform to compare homeowners insurance options completely online, or you can speak to one of our licensed agents on the phone by calling 833-255-4117 Monday through Friday from 8:30 a.m. to 6 p.m. You can also email us anytime at agent@clovered.com with any questions.

It’s Time to Switch Your Homeowners Insurance

We partner with the nation’s top homeowners insurance companies so you can get a custom policy at an affordable price.

Sumter, South Carolina Flood Zones

The Federal Emergency Management Agency (FEMA) creates flood zone maps for the country, determining which areas are at risk or not. Some properties in Sumter around Turkey Creek and the Green Swamp are in flood zones. Even if your home is not in a flood zone, many parts of Sumter are prone to flooding regardless due to the combination of heavy rains, flat topography, and nearby waterways in the area.

Homeowners insurance doesn’t cover damage from floods. To protect your home from excess water damage, you’d need a flood insurance policy. Clovered provides flood insurance, too. We partner with some of the nation’s top private flood insurance providers, in addition to the National Flood Insurance Program (NFIP). We can help you find the coverage you need at the price you want.

Stay Above Water With Flood Insurance

Do you want to pay for costly and common flood damage yourself or have an insurance policy pick up the tab?

Homeowners
It's Time to Switch Your Homeowners Insurance

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.

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