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29676 Homeowners Insurance Quotes & Coverage Options

For homeowners like you shopping online for home insurance quotes in the 29676 zip code it's important to know that our rates are very competitive for homeowners living in Salem, SC. Many homeowners based out of your 29676 area have found it very easy to shop with GetHomeInsuranceQuotes.com. For example, we clearly showcase the carriers that we will shop for you. Plus, our home insurance quotes are free and our South Carolina licensed agents can provide a free consultation service to you that allows you to ask questions about the rates and coverage options. To start a free home insurance quote, simply click the "Get Multiple Quotes Now" button. Your 29676 should appear in the zip code field ready to go. For Salem, SC Homeowners Insurance Quotes nearby, we offer the best rates and service.

29676: Average Home Insurance Rates

For homeowners living in the great city of Salem, the average homeowners policy is considered high in comparison to other states. South Carolina premiums are estimated to be around $1026 per year for homeowners insurance rates. You can easily save up to 40% or more, let us help you shop multiple home insurance quotes for free.

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29676 Home Insurance Average Premiums

Local 29676 homeowners insurance quotes comparison

$776 /yr.

Shows Zip Code: 29676 lowest rates with discounts applied on average.

For the 29676, homeowners insurance rates may vary on deductible, coverage amount and property details. Below is a list of the averages based on the cost of an annual home insurance premium.

Coverage Amount:Annual Premium
1800 sq. ft. or below
(discounts applied)
$776 /yr.
Average Coverage:$1026 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1326 /yr.

What is the average home insurance cost for a home in 29676?

  • • The average homeowners insurance premium paid annually for a home in 29676 is around $1026 per year.

What does it cost on average per month for home insurance in 29676?

  • • Homeowners in 29676 pay a monthly average cost per month around $86.00.

What kind of discount could I get if I combine my home and auto insurance together in 29676?

  • • Autoowners in 29676 can receive a 20% to 25% discount if they own a home and would like to group or bundle their car and home insurance together with one insurance company.

For shopping home insurance rates within the Salem area, check out other zip codes nearby 29676.
Review average rates in another zip code:
29676 homeowners insurance rates

Home Replacement Cost Coverage in 29676

Average Building Cost Per Square Foot in 29676: $131

Location: Salem, South Carolina (Oconee County)

Average Square Footage in 29676: 2,735 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 29676 before you start any project. Salem homeowners pay on average around $131 per square foot to build a home. Another great reason to know the average cost to build is for your homeowners insurance policy. A standard homeowners policy will help you cover the replacement cost of your home due a fire or any other named perils on your policy. Calculating your dwelling coverage for your home in 29676 is extremely helpful when estimating how much replacement cost coverage you need. We highly recommend that you have enough dwelling coverage to rebuild your home if it was destroyed by a covered peril.

Here is how you determine your replacement cost. If we take an average home in 29676 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 2,735 sq. ft. and the average cost to rebuild the home in this area is around $131 per square foot would be considered a base estimate cost. These two numbers would allow us to generate the replacement cost needed for an average size home in the Salem area. If the home is new or has been upgraded, you will want to add $50 to $100 or more per square foot to equally cover the replacement cost to restore a home back to it's original condition.

Home Improvement StatusPrice per Sq. Ft.Square FeetDwelling Coverage
Basic Home Features$1312,735$358,300
Additional Upgrades & Added Features$1642,735$447,875
Major Home Updates or Advancements$1972,735$537,450

It's important to understand that when you estimate your replacement cost of your home in the 29676 zip code area, it will be the cost to replace the structure of your home, not the additional value of the property that is factored in when purchasing a new home.

Best Homeowners Insurance Agencies in 29676

Best Home & Auto Insurance Agencies in 29676

Upstate Insurance Agency

Address: 1227 Stamp Creek Rd Salem, SC 29676
Phone:
Website:
Info:

Housing Demographics for 29676

Population Review for 29676 Zip Code

For the city of Salem, the population within 29676 has increased to over 6,959 residents in population size. The current population total is 5,641. We have broken down the population based on race below. In 29676, there are over 2797 in male population and 2844 females.

PopulationValues
Total Population5,641
White Population5358
Black Population13
Hispanic Population81
Asian Population20
Hawaiian Population0
Indian Population11
Other Population26
Male Population2797
Female Population2844
Population Estimate6959

Household Data for 29676

The average number of homes in 29676 is around 2,751, there are an average of 2.05 per household. The average house value according to local real estate values is around $358,300. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode2,751
Persons Per Household2.05
Average House Value$358,300
Income Per Household$95743
Median Age63.1
Median Age Male63.0
Median Age Female63.3
29676 DetailsValues
StateSC
State Full NameSouth Carolina
City TypeP
City Alias Abbreviation
Area Code864
CitySalem
City Alias NameSALEM
CountyOconee
County FIPS073
State FIPS45
Time Zone5
Day Light SavingY
MSA
PMSA
CSA273
CBSA42860
CBSA_DIV
CBSA_TypeMicro
CBSA_NameSeneca, SC
MSA_Name
PMSA_Name
RegionSouth
DivisionSouth Atlantic
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses81
Number Of Employees524
Business First Quarter Payroll6084
Business Annual Payroll25163
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population74273
CBSA Division Population0
Congressional District03
Congressional LandArea5268.28
Delivery Residential3395
Delivery Business82
Delivery Total3654
Preferred Last Line KeyX24547
Classification Code
Multi-County
CSA NameGreenville-Spartanburg-Anderson, SC
CBSA_DIV_Name
City State KeyX24547
Land Area72.070000
Water Area13.554000
City Alias Code
City Mixed CaseSalem
City Alias Mixed CaseSalem
Box Count148
SFDU3073
MFDU192
State ANSI45
County ANSI073
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationD
Finance Number457760
Unique ZIP Name
SSA State County Code42360
Medicare CBSA Code99942
Medicare CBSA NameRural Areas in SC
Medicare CBSA TypeMicro
Market Rating Area ID37
County Mixed CaseOconee

South Carolina Homeowners Insurance News & Information

  • Coastal South Carolina Home Insurance Rates Posted on Saturday 30th December, 2023

    South Carolina is an amazing place to call home. It is overflowing with world-class cities, beautiful beaches, museums, and restaurants. It is truly a wonderful place to live. Unfortunately, some of our beautiful coastal cities, Myrtle Beach, Charleston and Hilton Head as an example come with some pretty high homeowners insurance premiums if you live […]

  • Will my home insurance cover roof replacement? Posted on Saturday 24th December, 2022

    The answer to the question “does insurance cover roof replacement,” is not always clear cut. In most cases, it will depend on the reason that your roof needs to be replaced.  If your roof has simply reached the end of its life, the cost to replace it will fall to you. On the other hand, […]

  • Am I underinsured for hurricane damage? Posted on Thursday 26th August, 2021

    Tropical Storm Henri hit the Northeast pretty hard over the last week and for many homeowners the pain caused by the storm could just be getting started. Unfortunately, many homeowners may be underinsured or not have the right coverage in place when it comes to tropical storm and hurricane damage. A recent study by Policygenius […]

  • What can increase the cost of your homeowners insurance? Posted on Wednesday 28th October, 2020

    If you are in the market for a house, the cost of homeowners insurance is probably not your number one priority but some homes come with risks that could dramatically up the cost of insuring your new home. Knowing what risks can be an insurance issue with a home can help you save not only […]

  • Hurricane Isaias is on the same track as Hurricane Dorian – What can we expect? Posted on Wednesday 5th August, 2020

    Hurricane Isaias is on roughly the same track as Hurricane Dorian and is the first hurricane to hit the Bahamas since Dorian stalled over the islands as a Category 5 monster killing dozens of people and causing massive destruction.  Here is a quick overview of both storms as well as a few tips on how […]