29045 Home Insurance Rates

Getting multiple homeowners insurance rates in 29045 is the best way to review and compare all the coverage options available for you, your home and your family. Our homeowners rates are very competitive for homeowners living in the great city of Elgin, SC. Many homeowners based out of the 29045 zip code have found it very easy to shop with GetHomeInsuranceQuotes.com. The reason is because we clearly showcase the carriers that we will shop for you. We can compare up to 12 competitive home insurance rates for you all in one place. Plus, our home insurance quotes are free and our South Carolina licensed home insurance professionals can provide a free consultation service to you that allows you to ask questions about which policy and coverage package is best for you. To get free home insurance quotes, simply click the "Get Multiple Quotes Now" button. Your 29045 should appear in the zip code field ready to go. For Elgin, SC Home Insurance Quotes, Click to easily get started!

29045 Homeowners Insurance Rates, Average Rating: High!

Your homeowners insurance policy in 29045 consists of both property and casualty insurance coverage. This type of policy will insure your home against a variety of risks, including fire, theft and windstorm damage. Additional protection is also included in most policies that offer liability coverage against accidents that may injure other people on your property in Elgin. For a basic HO-3, standard homeowners policy, the average premium per year in South Carolina is around $943. By shopping your home insurance with us at GetHomeInsuranceQuotes.com, we can help you compare the most affordable rates and enhanced coverage options. Please enter your 29045 zip code today and let us help you save time and money on your homeowners insurance premium.

Get 29045 Home Insurance Rates Today and Save!

Average Building Cost Per Square Foot in 29045: $131

Average Square Footage in 29045: 1,397 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 29045 before you start any project. Elgin homeowners pay on average around $131 per square foot to build a home. Another great reason to know the average cost to build is for your homeowners insurance policy. A standard homeowners policy will help you cover the replacement cost of your home due a fire or any other named perils on your policy. Calculating your dwelling coverage for your home in 29045 is extremely helpful when estimating how much replacement cost coverage you need. We highly recommend that you have enough dwelling coverage to rebuild your home if it was destroyed by a covered peril.

Here is how you determine your replacement cost. If we take an average home in 29045 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,397 sq. ft. and the average cost to rebuild the home in this area is around $131 per square foot would be considered a base estimate cost. These two numbers would allow us to generate the replacement cost needed for an average size home in the Elgin area. If the home is new or has been upgraded, you will want to add $50 to $100 or more per square foot to equally cover the replacement cost to restore a home back to it's original condition.

It's important to understand that when you estimate your replacement cost of your home in the 29045 zip code area, it will be the cost to replace the structure of your home, not the additional value of the property that is factored in when purchasing a new home.

Household Data for 29045

The average number of homes in 29045 is around 10,308, there are an average of 2.68 per household. The average house value according to local real estate values is around $183,000. Please review the following demographics below for average income and media age.

• Coastal South Carolina Home Insurance Rates Posted on Saturday 30th December, 2023

  South Carolina is an amazing place to call home. It is overflowing with world-class cities, beautiful beaches, museums, and restaurants. It is truly a wonderful place to live. Unfortunately, some of our beautiful coastal cities, Myrtle Beach, Charleston and Hilton Head as an example come with some pretty high homeowners insurance premiums if you live […]

• Will my home insurance cover roof replacement? Posted on Saturday 24th December, 2022

  The answer to the question “does insurance cover roof replacement,” is not always clear cut. In most cases, it will depend on the reason that your roof needs to be replaced.  If your roof has simply reached the end of its life, the cost to replace it will fall to you. On the other hand, […]

• Am I underinsured for hurricane damage? Posted on Thursday 26th August, 2021

  Tropical Storm Henri hit the Northeast pretty hard over the last week and for many homeowners the pain caused by the storm could just be getting started. Unfortunately, many homeowners may be underinsured or not have the right coverage in place when it comes to tropical storm and hurricane damage. A recent study by Policygenius […]

• What can increase the cost of your homeowners insurance? Posted on Wednesday 28th October, 2020

  If you are in the market for a house, the cost of homeowners insurance is probably not your number one priority but some homes come with risks that could dramatically up the cost of insuring your new home. Knowing what risks can be an insurance issue with a home can help you save not only […]

• Hurricane Isaias is on the same track as Hurricane Dorian – What can we expect? Posted on Wednesday 5th August, 2020

  Hurricane Isaias is on roughly the same track as Hurricane Dorian and is the first hurricane to hit the Bahamas since Dorian stalled over the islands as a Category 5 monster killing dozens of people and causing massive destruction.  Here is a quick overview of both storms as well as a few tips on how […]