Blackstock, SC Home Insurance Quotes!

Blackstock is a beautiful little South Carolina town that 9,455 people are calling home. While Blackstock is not a huge population center, there are many advantages to living in one of the many beautiful homes that make up our community.

There are currently 746 households per zip code in the Blackstock area with the average number of people in each household coming in at 3 although that number will vary depending on the type of housing.

One of the biggest advantages to living in South Carolina and especially Blackstock is the average household income, which in the latest study came in at $55,893.

Housing is another bright spot of the Blackstock area with the average house price being an extremely affordable $104,700.

Cheap Blackstock Home Insurance is Another Bonus

Along with affordable housing, Blackstock also has cheaper homeowners insurance prices. According to a recent nationwide study, Blackstock average premium costing is around $1,327 per year. We help homeowners shop the best rates with the highest quality in coverage options. Homeowners of Blackstock are seeing rates as low as $769 a year for a standard homeowners policy. Average rates are in the $1,019/yr. range, and the larger homes with square footage above 2,300 are only paying around $1,319 a year for an HO-3 policy. Rates are higher for larger homes due to the price of replacement cost coverage and the amount of risk involved in rebuilding a much larger home with higher end upgrades like kitchens and bathrooms. Our home insurance shopping process allows you to review the best rates and we can help you apply all discounts available for your home.

Something that many Blackstock homeowners are unaware of is the fact that homeowner policies come in a variety of different types and are categorized by the type of housing you are living in or purchasing.

This quick rundown of housing types will help you understand the various types of homeowners insurance in South Carolina:

• HO-3: If you have a normal single-family house, this is the type of insurance coverage you need. It is the most common homeowner policy available today and protects you from all perils unless they are specifically excluded in the wording of the homeowner policy.
• HO-6: Living in a co-op or condo building is easy and convenient and if you have this type of home, you need a HO-4 policy. It not only protects your personal property in your condo but also provides coverage for the parts of the condo building that you actually own, like the walls and mechanical systems in your unit.
• HO-8: Historical homes dot the landscape of Blackstock and if you and your family are living in an older home, you may need an HO-8 policy. In most cases, a HO-8 policy is put in place because the house doesn't qualify for a HO-3 policy.
  Basically an HO-8 policy is necessary if your home is worth less than the cost to replace it. The major disadvantage to these policies is that they only cover 11 specific perils.
• HO-4: Renters need protection too and if you are living in an apartment, an HO-4 policy is tailor made for your needs. It will pay to replace your personal property if it is damaged, destroyed or stolen.

In addition, these policies come with liability coverage, which protects you in the event someone is hurt in your apartment. If they decide to sue you, an HO-4 policy will also pay for your legal defense and any resulting settlements or judgments, up to your policy limits.

Compare Homeowners Insurance Rates in Blackstock, SC!

Blackstock, SC Insurance Quotes & Service

With over 20 years of South Carolina homeowners insurance coverage and quoting experience, we enjoy helping customer find the best price and coverage options for your home in Blackstock, SC. Our new carrier platform includes quick rates from the very best insurance companies, like Liberty Mutual, Safeco Insurance, Tower Hill, ShoreOne, Kind Group Underwriting, AIG, Chubb, Travelers, National General, Heritage Insurance and the South Carolina Wind and Hail Underwriting Association for wind and hail insurance policies. Getting the best insurance rates with the right insurance company is key to protecing your Blackstock home. Let us help you shop the best rates and coverages today!

Get the Best South Carolina Home Insurance Rates Today!

Average Rates Nearby Blackstock

Are you looking for homeowners insurance in a city near Blackstock? Review coverage options and average rates in your area by clicking your city below. We can help you shop home insurance rates!

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Home Insurance Rates by Zipcode in Blackstock, SC

Easily review average rates and get multiple homeowners insurance quotes by clicking your zip code below located in Blackstock.

29014,     

Homeowners insurance will help cover the cost to repair or replace your Blackstock home if it is damaged or destroyed by a covered peril, up to your coverage limits. A homeowners policy is made up of a few different coverages. Here are the most common coverages:

• Dwelling: This coverage will pay to repair or replace the structure of your home if it is damaged or destroyed. Review and Calculate Replacement Cost Coverage in Blackstock
• Liability: This coverage will help cover medical and legal bills if someone is injured in your home, slipping on an icy sidewalk for example. It also offers protection if you damage another person’s property, your child hitting a baseball through a neighbor’s window for example.
• Contents: This covers the cost to replace your personal possessions that are destroyed by a covered peril. Furniture, electronics, clothing and household goods are excellent examples. Contents coverage is often capped at 50% to 70% of your dwelling coverage.
• Other Structures: This coverage protects other structures on your property such as detached garages, outbuildings, barns, and sheds.
• Loss of use: This covers everyday costs that you incur if you cannot live in your home while it is being repaired due to a claim. It will pay hotel and restaurant bills and even the cost of dry cleaning.

Saving Money Tips on Blackstock Home Insurance

A great way to save money on Blackstock homeowners insurance is to make sure you are getting all the discounts you are qualified to receive. Here are just a few of the most common discount’s insurers offer:

• Bundling: If you purchase your home and auto (or any other insurance coverage) from the same insurer, you should get a bundling discount. Expect to save 20%-25%.
• Secure your home: Adding a monitored security system, water leak sensors, deadbolts, and smoke detectors should result in a discount.
• Impact resistant roof: If you are replacing your roof, consider impact resistant roofing materials which help prevent hail and impact damage as well as resulting in a significant discount.
• Stay claim free: If you have been claim free for a number of years (five is a common requirement) your insurer should offer a claim free discount.

Are you shopping for the best rate near or wihin the Blackstock area? Check out what homeowners are paying on average for South Carolina homeowners insurance.

Elevation Review for Coastal Wind or Flooding Risk

To get online quotes on your home and compare rates on home insurance premiums in Blackstock, enter your zip code above and easily complete our online quoting application. Remember, it's important to speak with us about additional home insurance discounts so you can get the best rate for your home in Chester County.

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