Home Insurance in Columbia, SC
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Average Home Insurance Rates in Columbia
Homeowners insurance in Columbia, South Carolina costs an average of $1,200-2,400 per year, depending on home value, age, and location.
| Dwelling Coverage | Monthly | Annual |
|---|---|---|
| $200,000 | $100-150 | $1,200-1,800 |
| $350,000 | $150-200 | $1,800-2,400 |
Top Home Insurance Companies in Columbia
- State Farm – Largest home insurer, great for bundling
- Allstate – Strong local agent network
- Liberty Mutual – Good coverage options
- Farmers – Excellent customer service
- USAA – Best for military families
How to Save on Columbia Home Insurance
- Bundle with auto insurance (15-25% off)
- Install security systems and smoke detectors
- Increase your deductible to lower premiums
- Ask about claim-free discounts
- Compare quotes annually
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