Updated: November 27, 2024
Advertising & Editorial Disclosure
Chubb is the overall best and cheapest home insurance company in Columbia, South Carolina. It's also the best choice for homeowners who value excellent customer service.
Insurers cater to different needs, so choose one based on what's important to you, like budget, service or coverage.
Best HomeInsuranceColumbia, SCTable of Contents
Why Trust MoneyGeek? We used data from the South Carolina Department of Insurance and Quadrant Information Services to choose the top homeowners insurance in Columbia.
Home insurance premiums in Columbia represent the most competitive quotations as of September 2024.
Chubb is the best home insurance option for $100K dwelling coverage in Columbia, SC, with a MoneyGeek score of 99 out of 100.
The scores for home insurance companies in Columbia range from 51 to 99, varying based on factors like credit history and the home's age.
| Chubb | 99 | $474 |
| State Farm | 84 | $933 |
| Auto-Owners Insurance | 82 | $1,554 |
| Nationwide | 81 | $1,029 |
| Allstate | 73 | $911 |
| Foremost Insurance | 69 | $993 |
| Travelers | 51 | $3,034 |
Chubb has the best home insurance in Columbia, SC, for $100K dwelling coverage, combining affordability with excellent customer satisfaction. The overall top providers are:
While cost is important, consider other factors like customer service and claims experience, which are crucial when filing a claim.
Chubb is the top choice for home insurance, earning a high MoneyGeek score of 99 out of 100 for its affordability and customer satisfaction. It offers guaranteed replacement cost and building ordinance or law coverages to meet current codes, as well as a cash settlement option if you choose not to rebuild after a loss.
Discounts like new home and renovation savings, such as for homes under 10 years old, add value for homeowners.
Chubb offers the best customer service in home insurance for $100K dwelling coverage in Columbia, SC. The top providers in this category are:
Chubb ranks highest for its strong customer satisfaction and competitive coverage. Its responsive support and clear policies ensure your needs are addressed quickly and without hassle. Excellent service means claims and concerns are handled efficiently, giving homeowners peace of mind.
Chubb scores highly on MoneyGeek for its strong customer satisfaction and coverages. It provides comprehensive home insurance, including guaranteed replacement cost, which covers rebuilding costs beyond your policy limit, and building ordinance coverage to meet updated codes. Cash settlement offers a payout option if you choose not to rebuild after a total loss.
Homeowners can save with the new home discount for homes 10 years old or less and renovation discounts for recent updates.
Chubb is the best cheap home insurance company in Columbia, SC, for $100K dwelling coverage. The top budget-friendly providers for this coverage amount are:
If saving on premiums is your goal, explore the cheapest homeowner insurance companies. However, cheaper policies often provide limited coverage, which might leave you underinsured. The best cheap providers like Chubb balance affordability with robust coverage options, offering better overall value.
Chubb is the best cheap company, earning a high MoneyGeek score for its balance of cost and coverage. It provides comprehensive home insurance with add-ons like guaranteed replacement cost, building ordinance or law and cash settlement. These ensure your home is rebuilt to current codes or offer flexibility through cash settlements if you decide not to rebuild.
Chubb also helps you save with the new home discount, which applies to properties seven or 10 years old or newer.
MoneyGeek’s home insurance calculator will give you a ballpark estimate of your cost — it’s free, no personal information required, no spam.
Rates updated:
Dec 23, 2024
Homeowners insurance in Columbia depends on several factors, including location. Comparing rates is the best option to save money, though it can take about 15 minutes per company. Comparing three or more companies might take over an hour. MoneyGeek's home insurance calculator helps save time and finds the best rates by focusing on age, dwelling coverage, credit score, deductible, liability coverage and more.
Chubb is the top choice for affordable home insurance in Columbia, SC. Here are the cheapest overall providers:
Chubb stands out for its low costs for $100K and $250K coverages in Columbia. However, Allstate offers the lowest rate for $500K coverage. Choose the right dwelling coverage, as it will greatly impact your premium.
Securing the cheapest homeowners insurance in South Carolina can help manage finances more effectively over time.
| Chubb | $474 |
| Allstate | $911 |
| State Farm | $933 |
| Foremost Insurance | $993 |
| Nationwide | $1,029 |
| Auto-Owners Insurance | $1,554 |
| Travelers | $3,034 |
Allstate is the cheapest option for high-value homes in Columbia, SC. High dwelling coverage is necessary for properties that cost more to replace, as home insurance costs usually increase with the home's value.
While Allstate offers the lowest rates, it may not be the best overall. The lowest price doesn't always mean the best value; coverage quality and customer service are key factors.
| Allstate | $3,763 |
| State Farm | $3,892 |
| Chubb | $4,133 |
| Auto-Owners Insurance | $5,624 |
| Nationwide | $5,625 |
| Foremost Insurance | $8,452 |
| Travelers | $9,064 |
In Columbia, SC, Chubb is the cheapest option for new homes requiring $100K in dwelling coverage.
Chubb balances affordability with excellent customer service, ensuring you're well-covered while keeping insurance costs low.
| Chubb | $381 |
| Nationwide | $464 |
| Allstate | $501 |
| State Farm | $552 |
| Foremost Insurance | $671 |
| Travelers | $1,078 |
| Auto-Owners Insurance | $1,164 |
The best cheap homeowners insurance providers balance quality and cost, offering great customer service and coverage at affordable premiums. The best option for you depends on your needs. Consider factors like coverage, customer service and deductibles. Follow these steps to find the best cheap home insurance:
To determine how much home insurance coverage you need, consider factors like rebuilding costs, personal property value and liability needs for your home.
Research insurance companies operating in Columbia, SC. Focus on those with strong financial ratings, positive customer feedback and a reliable service history.
Once you understand your coverage needs, compare home insurance quotes. In Columbia, SC, average annual premiums for $100K dwelling coverage range from $474 with Chubb to $3,034 with Travelers.
Inquire with each insurer about discounts, such as for bundling policies, adding safety features or maintaining a claims-free record.
Opting for a higher home insurance deductible can reduce your premium, but ensure the amount is manageable in case of a claim.
Enhancing your home's security with systems and sturdy locks can lower your risk profile and potentially decrease insurance costs.
A good credit score can influence your insurance rates. Pay bills promptly and minimize outstanding debt.
Consider bundling your homeowners insurance with other policies like auto insurance for possible discounts and savings.
The best cheap home insurance provider for you depends on how much coverage you need and how much you can spend. Get answers to some common questions about the best cheap insurance rates in Columbia, SC.
The average home insurance cost in Columbia, South Carolina, is $965.
The cheapest home insurance company in Columbia, South Carolina, is Chubb, with an average annual premium of $474.
Chubb provides the best home insurance in South Carolina for Columbia residents, with a MoneyGeek score of 99 out of 100.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.
