Irmo, SC Home Insurance Quotes!

Affordable home insurance is just one of the benefits of living in our beautiful city. The cost of homeowners insurance in Irmo is around $976 per year. With all major discounts applied you can get rates as low as $726/yr. Homeowners in larger homes that need more dwelling coverage to accurately replace the home value for a 2,500 square foot home or bigger will see rates a little higher in the $1,276 per year range. Getting the best coverage with the right company for your home in Irmo starts with our excellent home insurance shopping process. Enter your zip code to review the best rates and coverage options available.

Irmo Home Insurance Coverage Types

Homeowners insurance comes in a variety of different types and each one has been designed to specifically insure a certain type of housing unit. One type of coverage is for a single-family house while an HO-4 policy is designed for an apartment.

Here is a quick overview of the different types of insurance that are available to you as a homeowner.

• HO-3: A standard home, requires a standard homeowners policy and that is exactly what an HO-3 policy is designed to insure. It is the most popular type of homeowners policy being sold and will protect you from all perils except those excluded in the wording of the policy.
• HO-6: Co-op and condo dwellers require a specific type of homeowners protection and an HO-6 fills those needs. It offers protection for both your personal property as well as the various parts of the building that you own. The walls and mechanical fixtures in your particular unit are examples of covered materials.
• HO-8: Older homes come with their own set of challenges, one being that it often costs more to rebuild them than they are worth due to building methods and the type of materials used in their construction.
  In many cases, these homes are not eligible for a HO-3 policy so the only affordable way to protect them is with an HO-8 policy. An HO-8 policy will only cover 11 specific perils, and coverage levels may not pay out the entire cost to rebuild the house.
• HO-4: The majority of us know this as renters insurance. It covers the personal possessions in your apartment from damage, destruction and even theft.

One of the major benefits of an HO-4 policy is the liability coverage that it offers. This portion of the policy will pay out if someone is injured in your apartment. It will cover the cost of medical bills, as well as a legal defense if you are sued because someone was injured in your apartment.

Irmo is a Great Place to Call Home, Here are the Facts

Irmo is one of the crown jewels of the South Carolina landscape and a current total of 32,717 homeowners currently call this beautiful little city home. There are a variety of housing options available in Irmo including new home purchase opportunties to great fixer uppers. Regardless of whether you are looking for an apartment, single-family house or a condo, we have you covered.

In Irmo, there are 11,994 households per zip code and the average number of people living in a household is 3.

In Irmo, the average household lives on an income of $79,249, which is slightly below the national average, but still very impressive. Luckily, that $79,249 goes pretty far in the Irmo housing market with the median house price coming in a $170,500.

Compare Homeowners Insurance Rates in Irmo, SC!

Irmo, 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 Irmo, 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 Irmo home. Let us help you shop the best rates and coverages today!

Get the Best South Carolina Home Insurance Rates Today!

Average Rates Nearby Irmo

Are you looking for homeowners insurance in a city near Irmo? 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 Irmo, SC

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

29063,     

Homeowners insurance will help cover the cost to repair or replace your Irmo 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 Irmo
• 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 Irmo Home Insurance

A great way to save money on Irmo 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 Irmo 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 Irmo, 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 Richland County.

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