Kinards, 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 Kinards is around $987 per year. With all major discounts applied you can get rates as low as $737/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 $1,287 per year range. Getting the best coverage with the right company for your home in Kinards starts with our excellent home insurance shopping process. Enter your zip code to review the best rates and coverage options available.

Kinards 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.

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

Kinards is one of the crown jewels of the South Carolina landscape and a current total of 810 homeowners currently call this beautiful little city home. There are a variety of housing options available in Kinards 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 Kinards, there are 324 households per zip code and the average number of people living in a household is 3.

In Kinards, the average household lives on an income of $46,607, which is slightly below the national average, but still very impressive. Luckily, that $46,607 goes pretty far in the Kinards housing market with the median house price coming in a $55,600.

Compare Homeowners Insurance Rates in Kinards, SC!

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

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Average Rates Nearby Kinards

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

Home Insurance Rates by Zipcode in Kinards, SC

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

29355,

Kinards, SC Home Insurance Average Premiums

Local Kinards, SC home insurance quotes comparison

$737 /yr.

Shows Kinards's lowest average rates with discounts applied.

For the city of Kinards, 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)	$737 /yr.
Average Coverage:	$987 /yr.
2600 sq. ft. or higher (all discounts applied)	$1287 /yr.

What is the average home insurance cost for a home in Kinards, SC?

• The average homeowners insurance premium paid annually for a home in Kinards is around $987 per year.

What does it cost on average per month for home insurance in Kinards, SC?

• Homeowners in Kinards pay an average cost per month around $82.00 for insurance coverage.

Kinards, SC - 2023 Housing Information

Month	Current Home Value (2023)	Last Year Home Value (2022)
January	$117,656	$113,312
February	$120,640	$115,215
March	$124,801	$117,048
April	$125,553	$118,442

Homeowners insurance will help cover the cost to repair or replace your Kinards 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 Kinards
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.

Get up to 12 competitive Kinards, SC homeowners insurance rates all in one place!

Saving Money Tips on Kinards Home Insurance

A great way to save money on Kinards 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 Kinards area? Check out what homeowners are paying on average for South Carolina homeowners insurance.

Elevation Review for Coastal Wind or Flooding Risk

Elevation	Details	Homeowners Tips
505 ft.	This is the average home elevation in Kinards, SC	Did you know that the elevation in which your home resides is crucial to a home insurance policy because it determines the risk factor related to your home being in a flood zone. It is important to understand that your home is not covered for floods under a standard homeowners policy. You will need to speak with a local South Carolina flood insurance agent about a flood insurance policy, please give us a call now at 888-620-1954.

To get online quotes on your home and compare rates on home insurance premiums in Kinards, 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 Newberry County.

South Carolina Homeowners Insurance News & Information

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 […]

Kinards, SC Dwelling Coverage Estimate

It is important to calculate your dwelling coverage for your home in Kinards so you know what type of homeowners insurance coverage you need to cover your replacement cost. It is recommended to have enough dwelling coverage to rebuild your home if it was destroyed by a covered peril.

Please remember that replacement cost coverage does not include the cost of the land, only the price to rebuild your home, which is why we like to help customers by answering a few questions that you may have.

What is the average replacement cost coverage in Kinards, SC?

- The average square footage in Kinards is around 424 Sq. Ft. which would cost you around $55,600 to replace the home if you base the home on the price to build per square foot of $131.

Minimum Replacement Cost Total: $55,600

Location: Kinards, South Carolina (Newberry County)

Average Building Cost Per Square Foot in Kinards: $131 (low end)

Average Square Footage in Kinards: 424 Sq. Ft.

Home Improvement Status	Price per Sq. Ft.	Dwelling Coverage
None or Very Minor Improvements	$131	$55,600
Some Additional Upgrades	$164	$69,500
Major Home Updates or Advancements	$197	$83,400

Calculate Your Kinards, SC Dwelling Coverage

The dwelling coverage is calculated by the average cost per square foot ($131) in Kinards, South Carolina times your heated square footage. Which would equal the cost to rebuild your home minus the cost of the property or land. Some homes will have a higher replacement cost due to home improvements like updated kitchens and bathrooms. Other upgrades may include: granite countertops, hardwood floors and stainless steel appliances. The national square foot average to build a brand new home is around 2500 square feet. So if you are looking to build, and your square footage of your new home is 2500, you are looking at a dwelling coverage premium of around $409,375 (Media price to build of $164 x 2500 sq. ft.) to cover the cost to rebuild your new home.

What is the difference between actual cash value and replacement cost value?

Homeowners insurance is available in both actual cash value (ACV) and replacement cost value (RCV). Knowing the difference is important:

Actual cash value: When valuing your personal possessions, an actual cash value policy will take depreciation into account. This means that your 10-year-old TV will be basically worthless according to your insurance company. While an ACV policy tends to be cheaper, if you have to make a claim you may be disappointed in your claim payout.

Replacement cost value: A RCV policy will replace your possessions with brand new items of similar quality regardless of how old they were at the time they were destroyed. While RCV policies are slightly more expensive, they are well worth the cost if you have to make a claim.