Salley, SC Home Insurance Quotes!

Did you know finding affordable homeowners insurance rates in Salley, SC just got easier? At GetHomeInsuranceQuotes.com, we provide superior service when it comes to finding cheaper rates with better coverage options and lower priced insurance packages. Our carriers are rated "A+" by A.M. Best and most of all they are brand names you can trust like Travelers, Safeco, Nationwide, Liberty Mutual, Progressive, and so many more.

It's time to start saving time and money by shopping your home and auto insurance policy with us. Lower rates are available for homeowners living in South Carolina so it's important to work with a Salley insurance agent that knows the best carrier that's right for you and your family. Remember, discounts are available for Salley homeowners that want to bundle their home and car insurance together to get a 22.5% discounts on average to help save you even more.

Average Homeowners Insurance Rates in Salley

When reviewing your home insurance policy, Salley homeowners are finding ways to save up to 40% or more when they shop and compare rates online. A common question that we get from homeowners based out of Salley, usually have to do with a comparison request of what they are currently paying per year for homeowners insurance compared to other residents living in AIKEN County. For starters, average rates in Salley is around $1,019 per year for a $275,000 value home with a heated square footage around 1,375 square feet for replacement cost coverage. All discounts applied, smaller homes see rates as low as $769 per year. Larger homes in your area in the 2,000 square foot range that may cost around $400,000 may pay higher premiums in the range of $1,319 per year due to more dwelling coverage required simply because the home is bigger so it cost more to replace in value. Other discounts apply to help make rates cheaper, if you want to shop your home first and then let us shop your auto insurance, this will help decrease you premium because we offer a home and auto discount. These average home insurance rates reflect the cost of a standard home insurance policy which includes the coverage of your home, your contents, loss of use, medical payments and homeowner liability coverage. Does not include specific coverages like flood, earthquate, wind and hail.

If you are looking for the cheapest home insurance rate possible, then it may help to also review your current coverage options compared to the ones we can provide to you. Our Salley, SC licensed agent will help you review the best in price and coverage. Perhaps your current policy is not covering all of your needs. It's important to find a home insurance company that can provide competitive rates with outstanding coverages. Meaning, a policy you can easily afford and depend on when something may go wrong. Our online quoting process helps you find the best of both worlds, and for free you can easily enjoy the benefits of our online home insurance shopping process. Start your Salley, SC home insurance quotes request today!

Compare Homeowners Insurance Rates in Salley, SC!

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

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Average Rates Nearby Salley

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

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

29137,

Salley, SC Home Insurance Average Premiums

Local Salley, SC home insurance quotes comparison

$769 /yr.

Shows Salley's lowest average rates with discounts applied.

For the city of Salley, 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)	$769 /yr.
Average Coverage:	$1019 /yr.
2600 sq. ft. or higher (all discounts applied)	$1319 /yr.

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

• The average homeowners insurance premium paid annually for a home in Salley is around $1019 per year.

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

• Homeowners in Salley pay an average cost per month around $85.00 for insurance coverage.

Salley, SC - 2023 Housing Information

Month	Current Home Value (2023)	Last Year Home Value (2022)
January	$0	$0
February	$0	$0
March	$0	$0
April	$57,134	$0

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

Saving Money Tips on Salley Home Insurance

A great way to save money on Salley 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 Salley 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
309 ft.	This is the average home elevation in Salley, 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 Salley, 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 Aiken 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 […]

Salley, SC Dwelling Coverage Estimate

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

- The average square footage in Salley is around 679 Sq. Ft. which would cost you around $89,000 to replace the home if you base the home on the price to build per square foot of $131.

Minimum Replacement Cost Total: $89,000

Location: Salley, South Carolina (Aiken County)

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

Average Square Footage in Salley: 679 Sq. Ft.

Home Improvement Status	Price per Sq. Ft.	Dwelling Coverage
None or Very Minor Improvements	$131	$89,000
Some Additional Upgrades	$164	$111,250
Major Home Updates or Advancements	$197	$133,500

Calculate Your Salley, SC Dwelling Coverage

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