Trenton, SC Home Insurance Quotes!
Did you know that shopping online for lower home insurance rates in Trenton, SC just got easier! At GetHomeInsuranceQuotes.com, we provide superior service when it comes to handling your insurance needs. We can shop the highly trusted carriers who have been in business for several decades and offer a branded household name that you can depend on and most of all trust. The best rates in your area are around $757 per year on average. Our licensed Trenton insurance consultants are here to help you compare multiple options and our professional 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 insurance carriers that are all highly rated by A.M Best and we shop the policy with you so you know which Trenton homeowners insurance package is best for you. Start your quote today by entering your zip code!
Trenton Demographics & Housing Facts
Source | Value |
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Location: | Trenton, SC (EDGEFIELD County) |
Population: | 10,960 |
Occupied Residents: | 3,732 |
Average Real Estate Value Per Zip Code: | $87,900 |
The city of Trenton in South Carolina is roughly around 10,960 residents in population size with 3,732 homes to be estimated within the city of Trenton. The average house value per zip code in Trenton, SC is $87,900. Understanding the market value of your home and which carrier is best suitable for you in terms of coverage and affordability is our job. Let our local experience of the Trenton home insurance market earn your business. Easily get quotes from us for free!
Homeowners Insurance in Trenton, SC
When our local Trenton agents discuss homeowners insurance with new customers, we work with them to clearly explain the additional ways for you to save time and money by discovering lower rates that are available to you. Our online shopping service for your home located in Trenton can save you hours of confusion and stress. It's important to understand that coverage to replace your home is key, so the right replacement cost matters due to the fluctuation of building cost in your area. Even existing customers in Trenton are increasing their coverage to make sure no surprises will fall on them if a major issue occurs. Residents of Trenton, SC can get cheaper rates around the $757 rate per year. On average, we are helping most customers in the $1,007 per year or the $84 per month range. Cheaper is not always better. For larger homes in Trenton, above the 3,000 square foot range, we are seeing rates much higher in the $1,307 per year because it will cost more to replace the home so a more expensive dwelling coverage is required to help protect the homeowner.
The average rates mentioned above for a standard homeowners insurance policy within the state of South Carolina includes the coverage of your home, your contents, loss of use, medical payments and homeowner liability coverage. We always explain the policy details to you and help you understand that if your home is in need of additional coverage because the area in which your home is located requires flood insurance then our agents will help you setup a flood insurance policy. This is one of the many policy details our agents will recognize when you request an online Trenton, SC homeowners insurance quote from us.
For additional help, please visit our homeowners insurance blog for helpful articles, tips and customer related questions.
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Trenton, 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 Trenton, 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 Trenton home. Let us help you shop the best rates and coverages today!
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Average Rates Nearby Trenton
Are you looking for homeowners insurance in a city near Trenton? 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 Trenton, SC
Easily review average rates and get multiple homeowners insurance quotes by clicking your zip code below located in Trenton.
Trenton, SC Home Insurance Average Premiums
For the city of Trenton, 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) | $757 /yr. |
Average Coverage: | $1007 /yr. |
2600 sq. ft. or higher (all discounts applied) | $1307 /yr. |
What is the average home insurance cost for a home in Trenton, SC?
- • The average homeowners insurance premium paid annually for a home in Trenton is around $1007 per year.
What does it cost on average per month for home insurance in Trenton, SC?
- • Homeowners in Trenton pay an average cost per month around $84.00 for insurance coverage.
Trenton, SC - 2023 Housing Information
Month | Current Home Value (2023) | Last Year Home Value (2022) |
---|---|---|
January | $167,243 | $153,381 |
February | $169,923 | $156,859 |
March | $174,235 | $160,924 |
April | $176,580 | $163,714 |
Homeowners insurance will help cover the cost to repair or replace your Trenton 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 Trenton
- 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.
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Saving Money Tips on Trenton Home Insurance
A great way to save money on Trenton 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 Trenton 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 |
---|---|---|
598 ft. | This is the average home elevation in Trenton, 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 Trenton, 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 Edgefield 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 […]
Trenton, SC Dwelling Coverage Estimate
It is important to calculate your dwelling coverage for your home in Trenton 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 Trenton, SC?
- The average square footage in Trenton is around 671 Sq. Ft. which would cost you around $87,900 to replace the home if you base the home on the price to build per square foot of $131.
Minimum Replacement Cost Total: $87,900
Location: Trenton, South Carolina (Edgefield County)
Average Building Cost Per Square Foot in Trenton: $131 (low end)
Average Square Footage in Trenton: 671 Sq. Ft.
Home Improvement Status | Price per Sq. Ft. | Dwelling Coverage |
---|---|---|
None or Very Minor Improvements | $131 | $87,900 |
Some Additional Upgrades | $164 | $109,875 |
Major Home Updates or Advancements | $197 | $131,850 |
The dwelling coverage is calculated by the average cost per square foot ($131) in Trenton, 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.