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29932 Home Insurance Quotes & Rates
Currently, the 95 homes within the 29932 zip code are being challenged with rate increases and the demand for more affordable homeowners insurance premiums. The average home insurance rate for South Carolina is around $989 per year for a standard HO-3 homeowners policy. A standard homeowners policy in Luray, SC, insures your home from theft, fire, windstorm damage and liability accidents on your property. Flood or earthquake damage is not covered under a basic homeowners policy, we can help you review the best coverage option for your home in 29932.
South Carolina is now ranking #18 in the country for the highest premiums. If you are trying to lower your premium and want to compare up to 12 Luray home insurance quotes all in one place then GetHomeInsuranceQuotes.com of South Carolina has the online shopping service for you. Our hassle free online quoting application allows homeowners in the 29932 area to review and compare the best rates and coverage options. We can provide a free consultation process to help you decide which carrier, coverage and policy is the best fit for you and your family. We realize that protecting your most valuable investment is very important to you, that is why we want to help you increase your coverage while providing the most affordable rates available. Let us help you shop and compare your Luray, South Carolina home insurance rates today!
Please give us a call now at 1-866-918-3404, easily get up to 12 rates over the phone in minutes. For Luray, SC Home Insurance Quotes, start your shopping process to today, it's easy and hassle free!
29932 Home Insurance Average Premiums
$739 /yr.
Shows Zip Code: 29932 lowest rates with discounts applied on average.
For the 29932, 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) | $739 /yr. |
| Average Coverage: | $989 /yr. |
| 2600 sq. ft. or higher (all discounts applied) | $1289 /yr. |
What is the average home insurance cost for a home in 29932?
- • The average homeowners insurance premium paid annually for a home in 29932 is around $989 per year.
What does it cost on average per month for home insurance in 29932?
- • Homeowners in 29932 pay a monthly average cost per month around $82.00.
What kind of discount could I get if I combine my home and auto insurance together in 29932?
- • Autoowners in 29932 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 Luray area, check out other zip codes nearby 29932.
Review average rates in another zip code:
29932 homeowners insurance rates
Home Replacement Cost Coverage in 29932
Average Building Cost Per Square Foot in 29932: $131
Location: Luray, South Carolina (Hampton County)Average Square Footage in 29932: 628 Sq. Ft.
When building or updating a home, it's always good to review the average cost per square foot to build in 29932 before you start any project. Luray 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 29932 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 29932 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 628 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 Luray 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 | 628 | $82,300 |
| Additional Upgrades & Added Features | $164 | 628 | $102,875 |
| Major Home Updates or Advancements | $197 | 628 | $123,450 |
It's important to understand that when you estimate your replacement cost of your home in the 29932 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 29932
Best Home & Auto Insurance Agencies in 29932
Housing Demographics for 29932
Population Review for 29932 Zip Code
For the city of Luray, the population within 29932 has increased to over 228 residents in population size. The current population total is 219. We have broken down the population based on race below. In 29932, there are over 105 in male population and 114 females.
| Population | Values |
|---|---|
| Total Population | 219 |
| White Population | 63 |
| Black Population | 117 |
| Hispanic Population | 25 |
| Asian Population | 2 |
| Hawaiian Population | 0 |
| Indian Population | 3 |
| Other Population | 17 |
| Male Population | 105 |
| Female Population | 114 |
| Population Estimate | 228 |
Household Data for 29932
The average number of homes in 29932 is around 95, there are an average of 2.31 per household. The average house value according to local real estate values is around $82,300. Please review the following demographics below for average income and media age.
| Housing / Income Data | Values |
|---|---|
| Households Per Zipcode | 95 |
| Persons Per Household | 2.31 |
| Average House Value | $82,300 |
| Income Per Household | $0 |
| Median Age | 35.4 |
| Median Age Male | 35.3 |
| Median Age Female | 35.5 |
| 29932 Details | Values |
|---|---|
| State | SC |
| State Full Name | South Carolina |
| City Type | P |
| City Alias Abbreviation | |
| Area Code | 803 |
| City | Luray |
| City Alias Name | LURAY |
| County | Hampton |
| County FIPS | 049 |
| State FIPS | 45 |
| Time Zone | 5 |
| Day Light Saving | Y |
| MSA | |
| PMSA | |
| CSA | |
| CBSA | |
| CBSA_DIV | |
| CBSA_Type | |
| CBSA_Name | |
| MSA_Name | |
| PMSA_Name | |
| Region | South |
| Division | South Atlantic |
| MailingName | Y |
| Economic & Growth Review | Values |
|---|---|
| Number Of Businesses | 9 |
| Number Of Employees | 110 |
| Business First Quarter Payroll | 1387 |
| Business Annual Payroll | 6070 |
| 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 | 0 |
| CBSA Division Population | 0 |
| Congressional District | 06 |
| Congressional LandArea | 8062.93 |
| Delivery Residential | 99 |
| Delivery Business | 6 |
| Delivery Total | 125 |
| Preferred Last Line Key | X24195 |
| Classification Code | |
| Multi-County | Y |
| CSA Name | |
| CBSA_DIV_Name | |
| City State Key | X24195 |
| Land Area | 68.942000 |
| Water Area | 1.226000 |
| City Alias Code | |
| City Mixed Case | Luray |
| City Alias Mixed Case | Luray |
| Box Count | 13 |
| SFDU | 99 |
| MFDU | 0 |
| State ANSI | 45 |
| County ANSI | 049 |
| ZIP Intro | |
| Alias Intro | |
| Facility Code | P |
| City Delivery Indicator | N |
| Carrier Route Rate Sortation | C |
| Finance Number | 455340 |
| Unique ZIP Name | |
| SSA State County Code | 42240 |
| Medicare CBSA Code | 99942 |
| Medicare CBSA Name | Rural Areas in SC |
| Medicare CBSA Type | Micro |
| Market Rating Area ID | 25 |
| County Mixed Case | Hampton |
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 […]