Longs, SC Home Insurance Quotes!

Currently, 12,224 people live in the city of Longs and the average family size is around 3 people per home. The total number of housing units likely to be insured with a homeowners insurance policy is around 4,962 and the number of occupied households is roughly . Homeowners of Longs are looking to easily compare rates and coverage options with affordable prices and coverage that they can depend on and trust. At GetHomeInsuranceQuotes.com, we shop up to 12 rates and coverages to help you review which insurance carrier and home insurance coverage is best fit for you and your family.

Within the city of Longs, the median household income is $44,059 it is below the national average of $68,703. Housing is another great reason to live in Longs with the average home costing $165,900.

Homeowners Insurance in Longs is a Bargain

We have much cheaper rates for homeowners living in the city of Longs. Save up to 40% or more with discounts available and rates as low as $700 per year. On average, homeowners in your area pay around $950 a year with discounts applied. For bigger homes in Longs, you may see rates around $1250 because of the replacement cost coverage is more for higher end, expensive homes that cost more to replace or rebuild. Let us help you shop the best home insurance rates in Longs, we have 12 different carrier options to choose from all-in-one place. Call us now for free quotes: 866-918-3404!

Longs Home Insurance Coverage Guide

Homeowners insurance is offered in various types and each one is specifically designed for a certain type of housing. Here is a brief overview of a few of the more common homeowner insurance types that consumers can purchase in Longs.

HO-3: This is by far the most common homeowners policy available. It will cover all perils, with the exception of certain perils, such as flooding and earthquake damage, that are listed in the policy.
HO-2: This is a very basic policy. It only covers damage from certain perils that are listed in the policy. If the peril is not listed, it will not be covered. Your personal property is also covered. Most experts don't recommend these policies except for the most basic coverage needs.
HO-4: The HO-4 policy covers renters. It will protect all of the personal property in your apartment, up to your policy limits, as well as offering liability coverage. The liability portion of the policy will protect your financial assets if someone is injured in your apartment. It will pay for any medical costs as well as defend you in a lawsuit if you happen to be sued. These polices are very affordable and should definitely be considered if you currently live in an apartment.

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

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Average Rates Nearby Longs

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

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

29568,

Longs, SC Home Insurance Average Premiums

Local Longs, SC home insurance quotes comparison

$700 /yr.

Shows Longs's lowest average rates with discounts applied.

For the city of Longs, 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)	$700 /yr.
Average Coverage:	$950 /yr.
2600 sq. ft. or higher (all discounts applied)	$1250 /yr.

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

• The average homeowners insurance premium paid annually for a home in Longs is around $950 per year.

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

• Homeowners in Longs pay an average cost per month around $79.00 for insurance coverage.

Longs, SC Coastal Wind, Hail & Flood Information

Longs is located in a coastal county which greatly increases the risk of hurricanes and windstorms. Our quoting process will include wind and hail coverage options to give you the best protection you need against high winds and storm damage.

Flood Zone Notice: The beautiful coastal city of Longs is know for it's beautiful beaches and waterways. Because Horry County (FIPS: 45051) has a shoreline and is in a coastal area it is important to purchase flood insurance. The risk is very high in this area and we will work with you to provide the best flood insurance coverage you need for your home in Longs, SC.

Coastal South Carolina Information: Coastal South Carolina Home Insurance Rates

Longs Flood Insurance and Windstorm Coverage
Longs is a coastal community that is often at risk from windstorms and other severe weather. In these types of areas, it is a good idea to carry wind and hail coverage. Our quoting process will include wind and hail coverage options to give you the best protection you need against high winds and storm damage.

Flood damage is another peril that South Carolina homeowners must deal with due to our extreme weather and sea level elevation. Unfortunately, a standard homeowners policy excludes flood coverage. In order to fully protect your home, you should consider purchasing a separate flood insurance policy.

Longs, SC - 2023 Housing Information

Month	Current Home Value (2023)	Last Year Home Value (2022)
January	$286,698	$249,693
February	$285,759	$255,309
March	$285,433	$261,563
April	$285,529	$267,857

Homeowners insurance will help cover the cost to repair or replace your Longs 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 Longs
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 Longs, SC homeowners insurance rates all in one place!

Saving Money Tips on Longs Home Insurance

A great way to save money on Longs 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 Longs 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
12 ft.	This is the average home elevation in Longs, SC	» Elevation is crucial to a homeowners insurance policy because it determines the risk of your home being in a flood zone which is particularly important in a coastal state such as Longs, South Carolina. A standard homeowners policy does not cover flood damage. If you live in a flood prone area, you will need to purchase a separate flood to fully protect your home. Call Now for Flood Insurance Quotes: 888-620-1954! Flood insurance can be purchased via the National Flood Insurance Program (NFIP) or in the private market. NFIP policies come with coverage caps and other restrictions so you may need to supplement your flood insurance coverage with a private market policy. It's important to remember that flooding occurs in low and moderate risk areas as well. According to FEMA data, almost 25% of all flood claims come from low to moderate-risk areas.

Elevation

Details

Homeowners Tips

12 ft.

This is the average home elevation in Longs, SC

» Elevation is crucial to a homeowners insurance policy because it determines the risk of your home being in a flood zone which is particularly important in a coastal state such as Longs, South Carolina.

A standard homeowners policy does not cover flood damage. If you live in a flood prone area, you will need to purchase a separate flood to fully protect your home.

Call Now for Flood Insurance Quotes: 888-620-1954!

Flood insurance can be purchased via the National Flood Insurance Program (NFIP) or in the private market. NFIP policies come with coverage caps and other restrictions so you may need to supplement your flood insurance coverage with a private market policy.

It's important to remember that flooding occurs in low and moderate risk areas as well. According to FEMA data, almost 25% of all flood claims come from low to moderate-risk areas.

To get online quotes on your home and compare rates on home insurance premiums in Longs, 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 Horry 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 […]

Longs, SC Dwelling Coverage Estimate

It is important to calculate your dwelling coverage for your home in Longs 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 Longs, SC?

- The average square footage in Longs is around 1,266 Sq. Ft. which would cost you around $165,900 to replace the home if you base the home on the price to build per square foot of $131.

Minimum Replacement Cost Total: $165,900

Location: Longs, South Carolina (Horry County)

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

Average Square Footage in Longs: 1,266 Sq. Ft.

Home Improvement Status	Price per Sq. Ft.	Dwelling Coverage
None or Very Minor Improvements	$131	$165,900
Some Additional Upgrades	$164	$207,375
Major Home Updates or Advancements	$197	$248,850

Calculate Your Longs, SC Dwelling Coverage

The dwelling coverage is calculated by the average cost per square foot ($131) in Longs, 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.