Average homeowners insurance cost in Rock Hill, SC

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As per Insure.com’s rate data analysis, the average cost of homeowners insurance in Rock Hill is $1,751 per year (for the coverage level of $300,000 for dwelling, $100,000 for liability protection and $1000 deductible), It’s $753 less than the national average of $2,504.

Homeowners insurance rates differ significantly from one home to another. Home insurance rates in Rock Hill depend on several factors, including:

Size of your home
Age of your home
Amount of coverage you need
Location
Your credit score

Allstate is the cheapest homeowners insurance company in Rock Hill with an average annual premium of $1,751 per year.

This guide covers everything from available coverage options to companies with the cheapest homeowners insurance rates in Rock Hill. Keep reading to learn about the monthly cost of homeowners insurance in Rock Hill, the cost for different dwelling coverage levels, and discover which companies provide the most affordable home insurance in Rock Hill.

Key takeaways

The cost of your homeowners insurance policy in Rock Hill can vary based on factors such as your location, the value of your home, and the coverage options you select.
Allstate is the cheapest homeowners insurance company in Rock Hill with an average annual premium of $1,387.
If you increase your dwelling coverage from $200,000 to $300,000, you will pay $424 more, annually for home insurance.

Average homeowners insurance cost in Rock Hill per month

Rock Hill homeowners pay an average of $146 a month, based on our rate analysis. It’s $76 less than the state average of $222 and $63 less than the national average for home insurance across the United States. The price of your homeowners insurance policy in Rock Hill may vary depending on where you live, the value of your home, and the coverage you choose.

Average homeowners insurance cost for a $200,000 house in Rock Hill

Homeowners insurance for dwelling coverage of $200,000 and liability protection of $100,000 costs $1,327 per year in Rock Hill, SC. Numerous factors influence your annual home insurance rates, including any natural disaster or event in your locality. For instance, certain regions have a higher risk of natural calamities such as floods, hurricanes, or tornadoes, implying higher expenses for rebuilding in these areas. These increased rebuilding expenses result in increased insurance premiums.

It is important to note that your insurance plan may not cover flood or hurricane damages. So, if you reside in an area prone to flooding, consider buying flood insurance coverage.

Average homeowners insurance cost for a $300,000 house in Rock Hill

As per rate analysis by Insure.com, homeowners residing in Rock Hill typically pay an average of $1,751 annually to insure a home for coverage limits of $300,000 dwelling, $100,000 liability protection with a $1,000 deductible.

Your home insurance rates will be increased by $424 if you increase your dwelling coverage from $200,000 to $300,000. It is advisable to buy enough insurance sufficient insurance to cover the entire cost of rebuilding your home. However, the amount of dwelling coverage you need may vary depending on the size of your home, the features in your home, and the cost of living in your area.

Average homeowners insurance cost in Rock Hill by company

Among the carriers analyzed, Allstate is the most affordable homeowners insurance company in Rock Hill, offering an average annual rate of $1,387.

Auto-Owners ranks second, while State Farm holds the third spot with an average annual rate of $1,757.

Researching a company thoroughly before selecting a homeowners insurance policy is essential. Insure.com has meticulously reviewed all insurance companies operating in Rock Hill and compiled a list of the most affordable options.

Below are the details of home insurance companies in Rock Hill and their average annual premiums.

Home Insurance Company	Annual rate
Auto-Owners	$1,584
State Farm	$1,757
Progressive	$1,941
South Carolina Farm Bureau Mutual	$1,977
Farmers	$3,013
Allstate	$1,387
Travelers	$8,777
USAA*	$1,368

Methodology

Insure.com, with the help of Quadrant Information Services, gathered data for homeowners insurance rates in Rock Hill for $300,000 dwelling coverage and $100,000 liability coverage with a $1,000 deductible. The data presented are those with a good credit tier alignment.