Seneca, SC Home Insurance Quotes!
It's not uncommon for Seneca homeowners to desire a fast "get it done" approach when it comes to shopping for a basic South Carolina homeowners insurance policy. We realize time is always an important factor, sometimes as much as cost. If you are shopping today for an affordable home insurance coverage for your home in Seneca, SC, then you have arrived at the right place, at the right time. An SC home insurance policy is designed to protect you from a major financial set back. When talking about a homeowners insurance policy, financial risk or loss can occur if your home was ever damaged by a fire, lightning, hurricane, theft or falling objects like a tree. So as you can see a standard homeowners insurance policy is not complicated, but sometimes comparing multiple coverage options and rates at the same time can be. Here at GetHomeInsuranceQuotes.com, we provide a quick way for you to compare the most affordable Seneca home insurance quotes by using our online quoting system. You can easily start this process by entering your zip code at the top of the page.
Compare Multiple Seneca Home Insurance Quotes
Here is how the process works in three easy steps:
- Enter your zip code to start the online South Carolina home insurance quoting application. If this is a new home purchase in Seneca, SC, please make sure you include the correct zip code and street address for the home you would like to receive comparative rates for.
- The online quoting application is designed to limit your time completing a long form, just to review rates. This is why we have scaled down our information request so that we can process only the required home details in order to process multiple quotes faster. We will need important property information like the square footage of your home and what year your home was built.
- Finally, you can sit back and relax. Just click "Get Home Insurance Quotes" and we will shop up to 12 home insurance carriers that are all very competitive in the city of Seneca. We will also assign one South Carolina home insurance professional to help answer any questions you may have. Our quoting process is secure and hassle free. We look forward to helping you compare the most affordable Seneca, SC rates.
Understanding more about your Seneca homeowners insurance is a huge advantage to getting the right coverage. It's not always about the cheapest price, sometimes paying a little more for better coverage with a brand name like Nationwide, Travelers or Liberty Mutual can help you gain the coverage you need when you depend on your home insurance company the most. Our South Carolina agents are easily accessible by phone or online. You can start by entering your zip code for the home you would like to insure in Seneca, SC and let us generate the multiple quotes for you for free or call us at 1-866-918-3404. We will work with you to provide the best coverage and cost savings option. Start your Seneca home insurance quote today!
Seneca, SC Demographics & Home Value Data
The housing data listed below is for the Seneca, SC (OCONEE County) location.
- Seneca Total Population: 8,102
- # of Residents Living With Single Family Homes: 13,903
- Average Real Estate Price of a Home Per Zip Code in Seneca: $196,200
Average Seneca, SC Home Insurance Rates
Homeowners living nearby or within the city of Seneca are paying around $1,327 per year on average. We have helped customers save more by shopping the best rates and coverages, smaller size homes in terms of square footage are seeing rates as low as $761 per year in Seneca. Higher-end homes that cost more to rebuild or replace include more coverage in the policy and premiums are around $1,311. On average, homeowners in Seneca pay around $1,011 per year or $84 per month for great quality coverage and price you can afford to protect the home you love. These average home insurance rates reflect the cost of a basic single family home insurance policy which includes the coverage of your home, your contents, loss of use, medical payments and homeowner liability coverage.
To receive free home insurance quotes, please start the quoting process online by simply enter your zip code or give us a call now at 1-866-918-3404.
Compare Homeowners Insurance Rates in Seneca, SC!
Get up to 12 competitive Seneca, SC homeowners insurance rates all in one place! |
Seneca, 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 Seneca, 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 Seneca home. Let us help you shop the best rates and coverages today!
Get the Best South Carolina Home Insurance Rates Today!
Average Rates Nearby Seneca
Are you looking for homeowners insurance in a city near Seneca? Review coverage options and average rates in your area by clicking your city below. We can help you shop home insurance rates!
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Home Insurance Rates by Zipcode in Seneca, SC
Easily review average rates and get multiple homeowners insurance quotes by clicking your zip code below located in Seneca.
Seneca, SC Home Insurance Average Premiums
$761 /yr.
For the city of Seneca, 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) | $761 /yr. |
| Average Coverage: | $1011 /yr. |
| 2600 sq. ft. or higher (all discounts applied) | $1311 /yr. |
What is the average home insurance cost for a home in Seneca, SC?
- • The average homeowners insurance premium paid annually for a home in Seneca is around $1011 per year.
What does it cost on average per month for home insurance in Seneca, SC?
- • Homeowners in Seneca pay an average cost per month around $84.00 for insurance coverage.
Seneca, SC - 2023 Housing Information
| Month | Current Home Value (2023) | Last Year Home Value (2022) |
|---|---|---|
| January | $264,298 | $234,500 |
| February | $263,495 | $239,580 |
| March | $264,495 | $245,755 |
| April | $266,033 | $251,462 |
Homeowners insurance will help cover the cost to repair or replace your Seneca 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 Seneca
- 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 Seneca, SC homeowners insurance rates all in one place! |
Saving Money Tips on Seneca Home Insurance
A great way to save money on Seneca 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 Seneca 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 |
|---|---|---|
| 803 ft. | This is the average home elevation in Seneca, 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 Seneca, 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 Oconee County.
South Carolina Homeowners Insurance News & Information
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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 […]
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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, […]
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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 […]
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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 […]
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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 […]
Seneca, SC Dwelling Coverage Estimate
It is important to calculate your dwelling coverage for your home in Seneca 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 Seneca, SC?
- The average square footage in Seneca is around 1,498 Sq. Ft. which would cost you around $196,200 to replace the home if you base the home on the price to build per square foot of $131.
Minimum Replacement Cost Total: $196,200
Location: Seneca, South Carolina (Oconee County)
Average Building Cost Per Square Foot in Seneca: $131 (low end)
Average Square Footage in Seneca: 1,498 Sq. Ft.
| Home Improvement Status | Price per Sq. Ft. | Dwelling Coverage |
|---|---|---|
| None or Very Minor Improvements | $131 | $196,200 |
| Some Additional Upgrades | $164 | $245,250 |
| Major Home Updates or Advancements | $197 | $294,300 |
The dwelling coverage is calculated by the average cost per square foot ($131) in Seneca, 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.