Rowesville, SC Home Insurance Quotes!

Did you know Rowesville, SC homeowners are now finding easier ways to compare home insurance rates online. At GetHomeInsuranceQuotes.com, we provide superior serice when it comes to taking care of your insurance needs. Our online quoting application process has been trusted by thousands of homeowners like you who want a quick way to review and compare rates without any hassle. Our South Carolina licensed homeowners insurance professionals are here to help you compare multiple options and our convenient service allows us to answer the questions that you need to get the right coverage at the most affordable price. We provide the best rates from up to 12 different carriers that are all highly rated by A.M Best and we shop the policy with you so you know which Rowesville insurance policy is best for you. Start your quote today by entering your Rowesville zip code for the home you would like to insure!

Facts About Rowesville South Carolina

The city of Rowesville South Carolina currently has 1,044 residents that call it home. This number translates into 398 households in the area and each household has about 3 people. The median household income is $36,944, which is very close to the national median and home prices in Rowesville average $100,600 making it a very affordable city to buy a house.

Homeowners Insurance Rates in Rowesville

Average Rowesville home insurance rates is around $979 per year, for homes smaller than 1,800 square feet in replacement cost value coverage you could see rates as low as $729 /yr. with discounts applied. For up scale homes this area over 1,800 sq. ft in Rowesville, you may see higher rates in the $1279 range due to much higher dwelling coverage.

When it comes to homeowners insurance there are a number of different types that are designed to cover the specific type of housing you call home. The following insurance types are available in Rowesville and across the country:

HO-3: A HO-3 policy is the most common type of homeowners insurance being written today. It offers coverage for all perils, excepting those that are specifically named in the policy as exclusions. Most policies for the city of Rowesville have a number of exclusions but the most common ones are flooding and earthquake damage.
HO-5: The HO-5 is considered a premium policy and offers broader coverage than the HO-3. It covers your home, other structures, loss of use and your personal belongings as an “all perils” policy, which means that you are covered from everything except exclusions listed in the policy. The big difference is that all of your personal property is covered under the all perils coverage while a HO-3 limits property damage coverage to specially named perils. HO-5 policies can be significantly more expensive.
H0-6: This type of policy is specifically written to cover people who live in a condo or a co-op building. This policy type will protect your belongings as well as any structural components of the building that you actually own. The walls of your condo or apartment are examples. HO-6 policies are listed perils policies which means they only cover the perils listed on the policy.

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

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Average Rates Nearby Rowesville

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

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

29133,

Rowesville, SC Home Insurance Average Premiums

Local Rowesville, SC home insurance quotes comparison

$729 /yr.

Shows Rowesville's lowest average rates with discounts applied.

For the city of Rowesville, 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)	$729 /yr.
Average Coverage:	$979 /yr.
2600 sq. ft. or higher (all discounts applied)	$1279 /yr.

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

• The average homeowners insurance premium paid annually for a home in Rowesville is around $979 per year.

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

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

Rowesville, SC - 2023 Housing Information

Month	Current Home Value (2023)	Last Year Home Value (2022)
January	$0	$0
February	$0	$0
March	$0	$0
April	$0	$0

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

Saving Money Tips on Rowesville Home Insurance

A great way to save money on Rowesville 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 Rowesville 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
160 ft.	This is the average home elevation in Rowesville, 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 Rowesville, 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 Orangeburg 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 […]

Rowesville, SC Dwelling Coverage Estimate

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

- The average square footage in Rowesville is around 768 Sq. Ft. which would cost you around $100,600 to replace the home if you base the home on the price to build per square foot of $131.

Minimum Replacement Cost Total: $100,600

Location: Rowesville, South Carolina (Orangeburg County)

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

Average Square Footage in Rowesville: 768 Sq. Ft.

Home Improvement Status	Price per Sq. Ft.	Dwelling Coverage
None or Very Minor Improvements	$131	$100,600
Some Additional Upgrades	$164	$125,750
Major Home Updates or Advancements	$197	$150,900

Calculate Your Rowesville, SC Dwelling Coverage

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