Spartanburg is a principal city of upstate South Carolina. It sits on a busy interstate route roughly halfway between Charlotte, NC and Atlanta, GA. Together with Greenville & Anderson, the region is home to more than 1.3 million people.
The Spartanburg area offers the affordability of living in a small city. Yet, to protect your important belongings like your home and car, you’ll need to buy personalized insurance coverage. Select Insurance wants you help you prepare for anything, and our homeowners, auto and other personal insurance options can ensure you have far-reaching but targeted coverage.
Each policy offers unique coverage options for the property of value in your life. Our agents will help you tailor your chosen coverage to always provide the most effective protection.
To get the right balance of car insurance, you must first buy the coverage required by South Carolina law. Then, you should also consider investing in other optional protection for your benefit. The state’s required coverage is:
$25,000 Bodily Injury Liability Coverage per person/$50,000 per accident
Coverage pays for injuries of third parties when the policyholder is at fault for a wreck. It might pay other drivers, their passengers or pedestrians injured in a wreck. The per person limits will pay a maximum of $25,000 per injured person. The per accident limit will pay up to $50,000 for all injuries for all third-party injuries.
$25,000 Property Damage Liability Coverage
If the insured driver damages someone else’s property, such as by hitting another vehicle, this coverage will pay for the other person's property repairs.
Uninsured Motorist Coverage
If a wreck is someone else’s fault, then they might have to repay you using their liability insurance. If they don’t have coverage, then uninsured motorist coverage lets you make a claim on your own policy. Your coverage must have at least $25,000/$50,000/$25,000 limits.
Collision Insurance: Coverage will pay for damage to your car after a wreck, regardless of fault.
Comprehensive Insurance: When your car gets damaged by hazards like fires, vandalism, theft or weather, this coverage can pay you for repairs.
Underinsured Motorist Coverage: This coverage will pay the difference of your claim if someone else is at fault for the damage but doesn’t have enough liability coverage for all your losses.
Medical Payments: If you get hurt in a wreck, then this coverage can pay medical costs of you or your passengers, regardless of fault.
Further coverage might also cover rental cars, towing and other costs. Policies for specialty vehicles like RVs or Motorcycles can have similar coverage. However, policies will also contain unique options tailored to these vehicles.
The average auto policy in Spartanburg will cost about $1,800 per year. However, keep in mind that your exact premium might be higher or lower than the average cost. Insurers will use factors like the value of your vehicle, your driving record, your history of insurance claims to determine your precise rates.
To manage premium costs, you often can pay your premiums in monthly installments. You might also qualify for discounts to help manage the policy’s affordability.
Homeowners insurance is coverage that will help you pay for damage to your house or belongings after damaging accidents. Before you close on a home purchase, most mortgage lenders will require you to buy coverage. Your policy will offer benefits like:
Dwelling Coverage: Your house itself will have coverage. Most policies will pay you enough to rebuild the home following a total loss.
Other Structures Coverage: Buildings like carports, storage sheds and fences will have coverage. Your coverage limits might only be a percentage of you total dwelling coverage.
Possessions Insurance: Policies will pay you for damaged belongings. Most policies pay based on an item’s actual cash value, which is its used value at the time of the loss.
Liability Insurance: If the insured homeowner causes accidental harm to someone else or damages their belongings, then this coverage can compensate that other person.
Loss of Use Coverage: When damage occurs in your home, you might have to move out temporarily. This coverage can pay certain living expenses in the meantime.
If your policy does not cover specialty items like jewelry, then you can often extend protection to them through special policy endorsements. Policies also often exclude damage from certain weather, such as floods or windstorms. You can buy separate insurance to get this coverage, however.
Spartanburg homeowners policies cost an average of about $800 per year. However, your property value, the amount of coverage you buy, the location of the home and other factors might impact rates. A variety of discounts can also apply to help you save on your coverage.