Home Insurance in Columbia, SC
Gain peace of mind as you shop for home insurance in Columbia and protect what matters most.
Columbia, South Carolina, entices individuals from all over the country to become homeowners in this thriving city. Founded in 1786. Columbia is the state capital and offers a variety of educational and employment opportunities, from jobs with the city's court to those in the traffic engineering sector.
With no shortage of places to visit in the city, such as the Riverbanks Zoo, which features more than 3,000 different species of animals, to the Main Street District for shopping, dining, and cultural events, Columbia residents enjoy a diverse and vibrant life. Columbia, or "The Soda City," named for the familiar diminutive of "Cola," is also home to Columbia University, where you can choose from more than 350 degrees at a variety of educational levels.
As a Columbia resident, you might enjoy the area's mild winters, where the temperature rarely falls to freezing and averages approximately 45 degrees. The city's rainfall averages rank higher than the national average, and possible water damage is only one peril you might encounter when you shop for home insurance in Columbia.
As a homeowner in Columbia, you can expect to pay approximately $1,690 annually in premiums. Your zip code, the age of your home and your claim filing history may all affect this cost. You may lower your risks and the cost of home insurance by having your older home inspected and repaired before you sign off on a policy.
You may also lower your premiums for home insurance in Columbia by installing safety and monitoring systems. Security cameras and smart devices that allow you to lock and unlock doors remotely and discourage burglary may net you discounts when you choose certain providers.
The South Carolina Emergency Management Division notes that in October 2015, Columbia and other parts of South Carolina flooded severely. Heavy rainfall, more than two inches an hour in some areas, caused serious damage to homes and businesses. The area's flood risk, however, is not the only peril you face as a Columbia homeowner.
Instances of property crime, including theft and burglary, are higher in Columbia when compared to the rest of the state. You have a one-in-24 chance of experiencing a property crime, based on recent statistics and studies per 1,000 residents. These numbers may vary depending on your zip code, something that might surprise you when you shop for home insurance in Columbia.
As you shop for home insurance in Columbia, using VIU by HUB can help ensure that you cover insurance gaps that otherwise cause out-of-pocket payments for damage or liability costs. Liability insurance covers medical payments and other costs to individuals who suffer an injury on your property, such as:
Premise liability needs may change depending on the age or health conditions of those who visit your property. Reviewing the types of insurance different providers offer with VIU by HUB can help you identify and eliminate insurance gaps. Comparing providers can help you get exactly what you need at the best price available.
This information is intended for general informational purposes only and is not intended to constitute legal advice.
