In Sumter, South Carolina, Chubb is both the overall best and cheapest choice for home insurance. It is also the best for customer service. Companies cater to different needs, so we recommend choosing a provider based on what is important to you. Choosing the best cheap home insurance depends on factors like coverage, customer service and affordability.
Best and Cheapest Home Insurance in Sumter, SC (2024)
Updated: November 26, 2024
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Best HomeInsuranceSumter, SCTable of Contents
Best Overall - Chubb
Best for Service - Chubb
Best Cheap - Chubb
Cheapest Overall - Chubb
Cheapest for High-Value Homes - Chubb
Cheapest for New Homes - Chubb
Why Trust MoneyGeek? We use data from South Carolina's Department of Insurance and Quadrant Information Services. This helps us find the top homeowners insurance in Sumter.
Home insurance premiums in Sumter represent the most competitive estimates as of September 2024.
1,382,400Quotes Analyzed
8Companies Compared
Overview: Best Home Insurance Companies in Sumter, SC
MoneyGeek found that Chubb is the best option for home insurance in Sumter, South Carolina, offering a MoneyGeek score of 99 out of 100 for 100K dwelling coverage. The scores for home insurance companies in Sumter, South Carolina, range from 51 to 99. These scores reflect MoneyGeek's scoring system, where insurers may receive different scores based on factors like credit history or the age of your home.
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Category:Best Overall
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Coverages:1 - $100K Dwelling
| Chubb | 99 | $393 |
| State Farm | 82 | $1,008 |
| Auto-Owners Insurance | 80 | $1,806 |
| Nationwide | 76 | $1,375 |
| Allstate | 74 | $827 |
| Foremost Insurance | 70 | $872 |
| Travelers | 51 | $3,234 |
Overall Best Home Insurance in Sumter, SC
MoneyGeek found that Chubb is the best option in Sumter, South Carolina, for $100K dwelling coverage. The two best home insurance companies in Sumter for this coverage are:
- Chubb: MoneyGeek score of 99 out of 100 ($393 per year)
- State Farm: MoneyGeek score of 82 out of 100 ($1,008 per year)
Chubb stands out as the best home insurance provider because it offers affordability and customer satisfaction, which are big contributors to the MoneyGeek score.
In Sumter, South Carolina, there are a variety of companies with different cost and service experiences. While cost is a crucial factor, consider other factors like customer service and coverage options as these can be important when making claims.
Best OverallChubb
MoneyGeek Score:
99/ of 100
Overview
Chubb scores high on affordability and satisfaction, making it a top choice for home insurance. It offers comprehensive coverage with guaranteed replacement cost and building ordinance or law. Discounts like new home and home renovation help save money.
Homeowners can benefit from guaranteed replacement cost, which covers rebuilding costs even if they exceed policy limits. Building ordinance or law coverage helps bring damaged areas up to current codes. Cash settlement offers flexibility if you choose not to rebuild. These coverages provide valuable protection for your home.
Best Home Insurance for Customer Service in Sumter, SC
MoneyGeek found that Chubb is the best option for home insurance with the best customer service in Sumter, South Carolina, for $100K dwelling coverage. Here are the top two providers for $100K dwelling coverage:
- Chubb: MoneyGeek score of 96 out of 100 ($393 per year)
- Auto-Owners: MoneyGeek score of 95 out of 100 ($1,806 per year)
Chubb scores high because of its strong customer satisfaction and comprehensive coverage options. This means they care about keeping you happy and covered in various situations. Customers would choose Chubb for its affordable premium and reliable service. Excellent service in home insurance means quick responses to claims and helpful support throughout your coverage period.
Best for Service QualityChubb
MoneyGeek Score:
96/ of 100
Overview
Chubb stands out for its high MoneyGeek score, thanks to excellent customer satisfaction and coverage. It offers comprehensive home insurance with guaranteed replacement cost and building ordinance or law. Chubb also provides discounts like new home and home renovation, helping you save. You can qualify for the new home discount if your home is 10 years old or less.
Chubb's guaranteed replacement cost helps rebuild your home even if costs exceed limits. Building ordinance or law covers bringing your home up to code after damage. Cash settlement offers a payout if you choose not to rebuild. These coverages provide valuable protection for homeowners.
Best Cheap Home Insurance in Sumter, SC
MoneyGeek found that Chubb is the best cheap home insurance option in Sumter, South Carolina, for $100K dwelling coverage. The top two best cheap insurance providers for $100K dwelling coverage are:
- Chubb: MoneyGeek score of 99 out of 100 ($393 per year)
- State Farm: MoneyGeek score of 84 out of 100 ($1,008 per year)
When it comes to the average cost of homeowners insurance in South Carolina, Chubb stands out due to its high affordability and customer satisfaction scores. Cheap home insurance often means getting less coverage. This can save money but may not cover everything if something happens. In some cases, looking at the cheapest homeowner insurance companies can help lower costs. The best cheap insurance differs from the cheapest as it balances costs with important features.
Best CheapChubb
MoneyGeek Score:
99/ of 100
Overview
Chubb is a top choice for affordable home insurance, scoring high in affordability and satisfaction. It offers comprehensive coverage with guaranteed replacement cost and building ordinance or law. You can save with discounts like new home and home renovation. For example, you get a discount if your home is 10 years old or less.
Chubb's cash settlement lets you choose not to rebuild after a loss. Personal property replacement cost covers your belongings without depreciation. Risk consulting offers helpful services like home assessments. These coverages provide great value for homeowners.
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Rates updated:
Dec 23, 2024
Several factors, including location, affect homeowners insurance in Sumter. Comparing rates is essential for saving money but takes effort. You might spend 15 minutes per company, leading to over an hour researching three or more. Use MoneyGeek's home insurance calculator for instant savings by entering age, dwelling coverage, credit score, deductible, liability coverage, and other details.
Cheapest Home Insurance in Sumter, SC
MoneyGeek found that Chubb is the best option in Sumter, South Carolina. The main factor affecting home insurance rates is the dwelling coverage you select. Here are the cheapest overall providers:
- For 100K Dwelling Coverage: Chubb: $393 per year
- For 250K Dwelling Coverage: Chubb: $1,099 per year
- For 500K Dwelling Coverage: Chubb: $2,268 per year
Chubb stands out in Sumter for its cost-effective rates and high score, making it the cheapest homeowners insurance in South Carolina. By choosing cheap home insurance in South Carolina, you can improve your budget management.
Data filtered by:Results filtered by:
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Coverages:$100K Dwelling
| Chubb | $393 |
| Allstate | $827 |
| Foremost Insurance | $872 |
| State Farm | $1,008 |
| Nationwide | $1,375 |
| Auto-Owners Insurance | $1,806 |
| Travelers | $3,234 |
Cheapest Home Insurance for High-Value Homes in Sumter, SC
Chubb is your top option for affordable home insurance in Sumter, South Carolina. High dwelling coverage is necessary for expensive homes, as home insurance cost rises with the replacement value.
- Cheapest for $750K Dwelling Coverage: Chubb: $3,427 per year
- Cheapest for $1M Dwelling Coverage: Chubb: $4,554 per year
Chubb stands out as a low-cost option in Sumter due to its competitive pricing. According to MoneyGeek, while Chubb offers the cheapest option, its score indicates it also provides quality coverage based on its performance.
Data filtered by:Results filtered by:
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Coverages:1 - 750K dwelling
| Chubb | $3,427 |
| Allstate | $3,495 |
| State Farm | $4,225 |
| Auto-Owners Insurance | $6,818 |
| Foremost Insurance | $7,424 |
| Nationwide | $8,075 |
| Travelers | $10,006 |
Cheapest Home Insurance for New Homes in Sumter, SC
Chubb offers the cheapest home insurance for new homes in Sumter, SC.
- Cheapest for $100K Dwelling Coverage: Chubb: $316 per year
- Cheapest for $250K Dwelling Coverage: Allstate: $794 per year
- Cheapest for $500K Dwelling Coverage: Allstate: $1,419 per year
Chubb stands out with its low annual premium of $316, making it the most affordable homeowners insurance option for new homes in Sumter, SC. Although Chubb is the cheapest, it might not be the best choice based on other factors, as indicated by its lower ranking in other evaluations.
Data filtered by:Results filtered by:
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Coverages:1 - $100K Dwelling
| Chubb | $316 |
| Allstate | $491 |
| Nationwide | $556 |
| State Farm | $586 |
| Foremost Insurance | $590 |
| Travelers | $1,193 |
| Auto-Owners Insurance | $1,356 |
How to Find the Best Home Insurance for You in Sumter, SC
The best cheap or affordable homeowners insurance providers balance quality and cost, offering great customer service and coverage with affordable premiums.
The best cheap homeowners insurance in Sumter depends on your needs. Consider factors like coverage options, customer service, and claims process. Follow these steps to get best cheap home insurance:
- 1
Evaluate Your Insurance Needs
To determine how much home insurance coverage you need, assess the specifics of your home in Sumter, South Carolina, including rebuilding costs, personal property value, and liability requirements.
- 2
Compare Different Providers
Research insurance companies operating in Sumter, South Carolina. Focus on those with strong financial stability, positive customer feedback, and a history of delivering quality service.
- 3
Compare Coverage and Costs
After identifying necessary coverages, compare home insurance quotes. Premiums for $100K dwelling coverage in Sumter, South Carolina range from $393 with Chubb to $1,375 with Nationwide annually.
- 4
Ask About Discounts
Inquire with each provider about potential discounts, such as those for bundling policies, installing safety devices, or maintaining a claims-free record.
- 5
Increase Your Deductible
Opting for a higher home insurance deductible can reduce your premium, but ensure it's an amount you can manage if a claim arises.
- 6
Improve Home Security
Enhancing your home's security with systems and strong locks can lower its risk profile and potentially decrease insurance expenses.
- 7
Maintain Good Credit
A good credit score can influence your insurance rates in Sumter, South Carolina. Ensure timely bill payments and work on reducing outstanding debts.
- 8
Bundle Policies
Consider combining your homeowners insurance with other policies like auto insurance. This strategy can result in substantial discounts and savings.
FAQ: Best Cheap Home Insurance in Sumter, SC
The best cheap home insurance provider for you in Sumter depends on the coverage you need and your budget. Get answers to some of the most commonly asked questions about the best cheap insurance rates in Sumter, South Carolina.
How much is home insurance in Sumter, South Carolina, on average?
The average cost of home insurance in Sumter, South Carolina, is $1,023.
What is the cheapest home insurance company in Sumter, South Carolina?
Chubb offers the cheapest home insurance in Sumter, South Carolina, with an annual premium of $393.
What is the best home insurance company in Sumter, South Carolina?
The best home insurance in South Carolina for Sumter residents is provided by Chubb, 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.