Moore, SC Home Insurance Quotes!

Moore, SC homeowners are now shopping online to conveniently discover new ways to compare home insurance prices. At GetHomeInsuranceQuotes.com, we enjoy providing top notch customer service to local homeowners that are in need of clear and accurate coverage for their Moore home. We understand that you don't have a ton of time to shop every home insurance carrier that can provide a competitive rate. That's our job! We work with you and help you compare the best coverage options available and it only takes a few minutes for you to complete the online quoting application. Our agency mission and focus has been to put the home insurance needs of our customers first. We have been able to service thousands of homeowners in Moore and throughout the state of South Carolina. We can usually provide up to 12 competitive quotes and we can pick the best coverage options for you. Sometimes the best home insurance policy is not the cheapest. And our SC licensed specialists are here to help you find the protection you need for you and your family.

For quick homeowners insurance quotes for your home in Moore, SC, please enter your zip code. The process only takes 1 minute to complete. Start your home insurance quote today or give us a call now at 866-918-3404!

Average Moore, SC Homeowners Insurance Rates

Below are some additional resources to help you understand your home insurance coverage and policy details for a home located in Moore, SC. Reviewing what homeowners in your area pay per year helps answer common questions on the average cost of home insurance in Moore.

What is the average Moore, SC home insurance rate per year? $1,000.00
What is the monthly cost of home insurance in Moore on avereage? $83.00
What do homeowners in South Carolina pay per year on average? $1,327.00
What is the national homeowners insurance average? $1,311.00

The average home insurance rate for Moore displayed above is an accumlative average based on a standard homeowners insurance policy. We can help you compare up to 12 rates and review all the discounts and credits that may apply to help you save up to 40% or more.

Top 5 Helpful Saving Resources

Below are helpful saving tips when purchasing or shopping for home insurance.

FAQ: What is a Moore, SC Homeowners Insurance Policy?
FAQ: What does a replacement cost coverage and actual cash value mean for my home in Moore, SC?
Dwelling Coverage or Replacement Cost Value: You can click here to us our free online replacement cost value calculator to estimate the replacement value of what it would cost to replace your home if your home was damaged and needed to be rebuilt.
Here are the top five homeowners insurance discounts that you may not be aware of in South Carolina
Here are the top 3 home insurance credits available to homeowners.

Compare Homeowners Insurance Rates in Moore, SC!

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

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

Get the Best South Carolina Home Insurance Rates Today!

Average Rates Nearby Moore

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

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

29369,

Moore, SC Home Insurance Average Premiums

Local Moore, SC home insurance quotes comparison

$750 /yr.

Shows Moore's lowest average rates with discounts applied.

For the city of Moore, 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)	$750 /yr.
Average Coverage:	$1000 /yr.
2600 sq. ft. or higher (all discounts applied)	$1300 /yr.

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

• The average homeowners insurance premium paid annually for a home in Moore is around $1000 per year.

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

• Homeowners in Moore pay an average cost per month around $83.00 for insurance coverage.

Moore, SC - 2023 Housing Information

Month	Current Home Value (2023)	Last Year Home Value (2022)
January	$279,145	$255,083
February	$279,103	$259,986
March	$279,932	$265,275
April	$280,801	$270,610

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

Saving Money Tips on Moore Home Insurance

A great way to save money on Moore 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 Moore 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
719 ft.	This is the average home elevation in Moore, 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 Moore, 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 Spartanburg 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 […]

Moore, SC Dwelling Coverage Estimate

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

- The average square footage in Moore is around 1,333 Sq. Ft. which would cost you around $174,600 to replace the home if you base the home on the price to build per square foot of $131.

Minimum Replacement Cost Total: $174,600

Location: Moore, South Carolina (Spartanburg County)

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

Average Square Footage in Moore: 1,333 Sq. Ft.

Home Improvement Status	Price per Sq. Ft.	Dwelling Coverage
None or Very Minor Improvements	$131	$174,600
Some Additional Upgrades	$164	$218,250
Major Home Updates or Advancements	$197	$261,900

Calculate Your Moore, SC Dwelling Coverage

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