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29078 Homeowners Insurance Quotes & Coverage Options
For homeowners like you shopping online for home insurance quotes in the 29078 zip code it's important to know that our rates are very competitive for homeowners living in Lugoff, SC. Many homeowners based out of your 29078 area have found it very easy to shop with GetHomeInsuranceQuotes.com. For example, we clearly showcase the carriers that we will shop for you. Plus, our home insurance quotes are free and our South Carolina licensed agents can provide a free consultation service to you that allows you to ask questions about the rates and coverage options. To start a free home insurance quote, simply click the "Get Multiple Quotes Now" button. Your 29078 should appear in the zip code field ready to go. For Lugoff, SC Homeowners Insurance Quotes nearby, we offer the best rates and service.
29078: Average Home Insurance Rates
For homeowners living in the great city of Lugoff, the average homeowners policy is considered high in comparison to other states. South Carolina premiums are estimated to be around $998 per year for homeowners insurance rates. You can easily save up to 40% or more, let us help you shop multiple home insurance quotes for free.
29078 Home Insurance Average Premiums
$748 /yr.
Shows Zip Code: 29078 lowest rates with discounts applied on average.
For the 29078, homeowners insurance rates may vary on deductible, coverage amount and property details. Below is a list of the averages based on the cost of an annual home insurance premium.
| Coverage Amount: | Annual Premium |
|---|---|
| 1800 sq. ft. or below (discounts applied) | $748 /yr. |
| Average Coverage: | $998 /yr. |
| 2600 sq. ft. or higher (all discounts applied) | $1298 /yr. |
What is the average home insurance cost for a home in 29078?
- • The average homeowners insurance premium paid annually for a home in 29078 is around $998 per year.
What does it cost on average per month for home insurance in 29078?
- • Homeowners in 29078 pay a monthly average cost per month around $83.00.
What kind of discount could I get if I combine my home and auto insurance together in 29078?
- • Autoowners in 29078 can receive a 20% to 25% discount if they own a home and would like to group or bundle their car and home insurance together with one insurance company.
For shopping home insurance rates within the Lugoff area, check out other zip codes nearby 29078.
Review average rates in another zip code:
29078 homeowners insurance rates
Home Replacement Cost Coverage in 29078
Average Building Cost Per Square Foot in 29078: $131
Location: Lugoff, South Carolina (Kershaw County)Average Square Footage in 29078: 1,108 Sq. Ft.
When building or updating a home, it's always good to review the average cost per square foot to build in 29078 before you start any project. Lugoff 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 29078 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 29078 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,108 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 Lugoff 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.
| Home Improvement Status | Price per Sq. Ft. | Square Feet | Dwelling Coverage |
|---|---|---|---|
| Basic Home Features | $131 | 1,108 | $145,200 |
| Additional Upgrades & Added Features | $164 | 1,108 | $181,500 |
| Major Home Updates or Advancements | $197 | 1,108 | $217,800 |
It's important to understand that when you estimate your replacement cost of your home in the 29078 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.
Best Homeowners Insurance Agencies in 29078
Reynolds Insurance Services Inc
Address: 105 Standard Warehouse R Lugoff, SC 29078Phone: (803)438-1055
Website:
Best Home & Auto Insurance Agencies in 29078
Patterson- Gary L - State Farm Insurance Agent
Address: 830 Highway 1 S Lugoff, SC 29078Phone:
Website: http://www.garypatterson.net
Info:
Reynolds Insurance Services Inc
Address: 105 Standard Warehouse Rd Lugoff, SC 29078Phone:
Website:
Info:
Housing Demographics for 29078
Population Review for 29078 Zip Code
For the city of Lugoff, the population within 29078 has increased to over 18,541 residents in population size. The current population total is 16,430. We have broken down the population based on race below. In 29078, there are over 7991 in male population and 8439 females.
| Population | Values |
|---|---|
| Total Population | 16,430 |
| White Population | 12038 |
| Black Population | 2894 |
| Hispanic Population | 800 |
| Asian Population | 117 |
| Hawaiian Population | 6 |
| Indian Population | 56 |
| Other Population | 305 |
| Male Population | 7991 |
| Female Population | 8439 |
| Population Estimate | 18541 |
Household Data for 29078
The average number of homes in 29078 is around 6,280, there are an average of 2.61 per household. The average house value according to local real estate values is around $145,200. Please review the following demographics below for average income and media age.
| Housing / Income Data | Values |
|---|---|
| Households Per Zipcode | 6,280 |
| Persons Per Household | 2.61 |
| Average House Value | $145,200 |
| Income Per Household | $58477 |
| Median Age | 40.4 |
| Median Age Male | 39.5 |
| Median Age Female | 41.2 |
| 29078 Details | Values |
|---|---|
| State | SC |
| State Full Name | South Carolina |
| City Type | P |
| City Alias Abbreviation | |
| Area Code | 803 |
| City | Lugoff |
| City Alias Name | LUGOFF |
| County | Kershaw |
| County FIPS | 055 |
| State FIPS | 45 |
| Time Zone | 5 |
| Day Light Saving | Y |
| MSA | |
| PMSA | |
| CSA | 192 |
| CBSA | 17900 |
| CBSA_DIV | |
| CBSA_Type | Metro |
| CBSA_Name | Columbia, SC |
| MSA_Name | |
| PMSA_Name | |
| Region | South |
| Division | South Atlantic |
| MailingName | Y |
| Economic & Growth Review | Values |
|---|---|
| Number Of Businesses | 296 |
| Number Of Employees | 4759 |
| Business First Quarter Payroll | 48777 |
| Business Annual Payroll | 224723 |
| Business Employment Flag | |
| Growth Rank | 0 |
| Growth Housing Units 2003 | |
| Growth Housing Units 2004 | |
| Growth Increase Number | 0 |
| Growth Increase Percentage | 0.0 |
| Metropolitan Details | Values |
|---|---|
| CBSA Population | 767598 |
| CBSA Division Population | 0 |
| Congressional District | 02|05 |
| Congressional LandArea | 3022.17|5505.54 |
| Delivery Residential | 7104 |
| Delivery Business | 317 |
| Delivery Total | 7877 |
| Preferred Last Line Key | X24194 |
| Classification Code | |
| Multi-County | Y |
| CSA Name | Columbia-Sumter-Orangeburg, SC |
| CBSA_DIV_Name | |
| City State Key | X24194 |
| Land Area | 125.699000 |
| Water Area | 1.536000 |
| City Alias Code | |
| City Mixed Case | Lugoff |
| City Alias Mixed Case | Lugoff |
| Box Count | 295 |
| SFDU | 6558 |
| MFDU | 208 |
| State ANSI | 45 |
| County ANSI | 055 |
| ZIP Intro | |
| Alias Intro | |
| Facility Code | P |
| City Delivery Indicator | N |
| Carrier Route Rate Sortation | D |
| Finance Number | 455320 |
| Unique ZIP Name | |
| SSA State County Code | 42270 |
| Medicare CBSA Code | 17900 |
| Medicare CBSA Name | Columbia, SC |
| Medicare CBSA Type | Metro |
| Market Rating Area ID | 28 |
| County Mixed Case | Kershaw |
South Carolina Homeowners Insurance News & Information
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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 […]
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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, […]
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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 […]
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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 […]
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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 […]