Homeowners Insurance Quote Forms
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Homeowners Insurance Customer Service Options
Self policy service any time of the day, directly from our website. To request a policy change on your account, click any of the following policy service options below.
Homeowners Insurance Information
Serving Anderson, Greenville, Spartanburg & Areas Across Upstate South Carolina
South Carolina's Greenville-Anderson-Mauldin metropolitan statistical area is the heart of the Upstate region. It is one of the largest metro regions in the Carolinas, and home to nearly 900,000 people. Locals looking for homeowners insurance can trust all their coverage needs to Select Insurance.
What's Homeowners Insurance?
Homeowners insurance promises financial help if you experience unavoidable household problems.
Nearly 70% of Upstate South Carolina residents own their homes, and property values average around $162,000. Add on the costs of other assets, and you will see why many simply can't afford to fix household problems at a moment's notice. Fortunately, homeowners insurance can help with these costs.
Dwelling & Structure Insurance
This coverage will generally apply to the dwelling and other structures on the property. So, if your house or detached garage were to catch fire, get hit by a storm, or suffer a break-in, this coverage would help you pay to rebuild.
If you owe money on your home, the lender will probably require you to get at least this coverage. Find out any requirements before selecting your structure coverage limits.
Contents coverage can insure personal belongings like:
Expensive items like jewelry or collectibles might require you to add scheduled items endorsements onto your policy. These common policy enhancements extend targeted coverage to these valuables.
Most homeowners policies include liability coverage that will help you pay for the losses of others who experience harm because of your negligence. Policies can often cover you both on and off the property.
- Bodily Injury Liability Insurance will help you cover someone else's injury costs.
- Property Damage Liability Insurance can pay for that person's property damage.
Should those who experience harm decide to sue you, coverage can also help you cover your legal fees.
Loss of Use Insurance
A problem at home might mean that you have to temporarily move out while the property undergoes repairs. This coverage might help you cover things like your dining or hotel bills in the meantime.
Medical Payments Insurance
Many policies offer medical payments insurance as extra assistance for those injured in your home. Even if you had no negligence in a visitor's injuries on the property, this coverage can help them.
Do I Have Coverage For Water Damage?
How homeowners insurance applies to different types of water damage will vary:
- Most standard homeowners policies will insure damage from internal flooding, such as burst pipes.
- Policies often won't cover water backup damage, such as from your sewers or sump pump. However, you can often buy sewer backup coverage as an endorsement to your policy.
- Home insurance doesn't cover weather-related flooding, such as flash flooding. You might have to carry flood insurance to address these risks. Most policies are backed by the National Flood Insurance Program (NFIP).
Helping You Save Money on Your Homeowners Policy
You need enough insurance coverage to protect the full value of your home and belongings as completely as possible. We recommend you carry at least replacement cost value coverage on your home's structure. It will pay to help you repair damage to your home at today's value, using similar materials.
In South Carolina, the average annual homeowners insurance premium is $1,240 ($103/month). Your particular rate will vary based on factors like the home's value, the types of coverage you buy and other risks. We'll compare the premiums of similar policies to find you the most-affordable option.
Sometimes, you have to pay your first year's home insurance premium in-full before you can close on the home. However, many insurers also allow you to pay your premium by month, instead. However, if you pay your premium in-full at the beginning of each policy, you might qualify for discounts.
It's simple, come to us, and we'll do the hard work for you. Select Insurance has a committed team of experts who can help every client maximize their savings on all homeowners policies. We will always help you get the right coverage for the right prices.
Call us now at (864) 964-0622 or request an online quote!