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Florence County, SC Homeowners Insurance Quotes

We can help you get a free and quick comparison of Florence County, SC home insurance rate quotes to easily review. We like to help you shop up to 12 competitive home insurance rates with a variety of coverage options from a standard policy to a multi-line packaged discount policy that would include your home and auto insurance together. A standard (HO-3) policy for homeowners living in Florence County includes protection against most perils, but does not include coverage for flood or earthquake damage. Don't worry, our home insurance professionals of South Carolina can help you figure out which policy is best for you.

Homeowners living in Florence County, pay on average around $1327 a year or $110.58 per month. Let us help you explore multiple coverage options and provide up to 40% in discounted savings for your new policy. For online quotes, please enter your zip code of the property you would like to insure today or give us a call now at 1-866-918-3404

For all Florence County, SC residents, you can select your city below to review more information about homeowners insurance in your local area. Information includes city demographics, facts and average premium rates for homeowners on an annual and montly basis. If you are searching for insurance rates nearby then click your city below.


Are you looking for a homeowners insurance quote in Florence County? Simply enter your zip code to get your South Carolina homeowners insurance quotes and receive up to 12 competitive quotes and coverage options in your area.

Florence County, SC Housing Demographics

With 136,885 residents living within the Florence County area there are over 58,666 homeowners looking for more affordable home insurance rates. Your homeowners policy is written to help protect your home and family. With an estimated 36,328 families living within the local area, it is safe to say that great coverage at an affordable price is most desired amongst every homeowner living in Florence County.

DemographicValues
Total Occupied Households52,653
Family Households (families)36,328
Average Owner Occupied Household Size3
Average Family Size3
Total Housing Units58,666

Florence County, SC Coastal Wind, Hail & Flood Information

For all homeowners living in Florence County (FIPS: 45041), it's important to understand that this county is in a coastal area and has great risk of damage due to hurricanes, windstorms, hail and flooding. The wind and hail insurance program provided through the state of South Carolina is the states opportunity to help provide additional wind/hail coverage when insurance companies exclude it from homeowners and other policies sold to coastal residents. You can buy wind and hail insurance coverage through us and we will shop multiple companies to package the best coverage option for you. If you are shopping for quotes in Florence County, SC, it's important that you look into hurricane and windstorm insurance options.

Florence County, SC Home Insurance Average Premiums

Local Florence, SC homeowners insurance quotes comparison

$1,089 /yr.

South Carolina's Average Home Insurance Rates Overall

For the state of South Carolina, homeowners insurance premiums have changed based on a variety of different factors related to risk and is currently ranked 18 in the nation for highest premiums in the U.S.

Average RatingAnnual Premium
Minimum Range:$789 /yr.
Current Average Cost:$1,089 /yr.
Maximum Range:$1327 /yr.

Florence County, SC Coastal Wind, Hail & Flood Information

Florence is a coastal county which greatly increases the risk of hurricanes and windstorms. Our quoting process will include wind and hail coverage options to give you the best protection you need against high winds and storm damage.

Coastal Florence County, SC Information: Coastal South Carolina Home Insurance Rates

timmonsville Flood Insurance and Windstorm Coverage
Florence County is a coastal area that is often at risk from windstorms and other severe weather. In these types of areas, it is a good idea to carry wind and hail coverage. Our quoting process will include wind and hail coverage options to give you the best protection you need against high winds and storm damage.

Flood damage is another peril that South Carolina homeowners must deal with due to our extreme weather and sea level elevation. Unfortunately, a standard homeowners policy excludes flood coverage. In order to fully protect your home, you should consider purchasing a separate flood insurance policy.

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 ā€œdoes insurance cover roof replacement,ā€ 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 […]

Discounts For Homeowners in Florence County

As a homeowner, you have to understand that insurance companies see homes as a risk. If you can decrease any of the risk factors that will determine your premium, then it's best to follow these important guidelines in order to save money on your South Carolina homeowners insurance.

  • Install A Smoke Alarm in Every Room: It's important you do this for your own safety, so why not install a smoke detector in every room. Show your home insurance company that safety comes first. Once you have them installed, shop for home insurance and mentioned you have taken the right safety precautions to reduce house fires. For homeowners in Florence County, this discount can save you up to 20% on your home insurance premium.
  • Combine Your Home and Auto Insurance Into One Package: Any home insurance provider is going to want your business. It's important you offer this opportunity to combine your home and auto insurance together in one package. You may want to also see if you can open up a life or health insurance account as well. Merging all your insurance into one company will save you money. Homeowners in Florence County that do combine their home and auto can save over $500 with this discount.
  • Install A Home Security System: Your home insurance company should reward you for installing a home security system, sometimes up to 22%. It's important that you take precautions and reduce the risk of someone breaking into your Florence County home. This will be one of the questions that you will want to ask your home insurance agent to see if you qualify for this discount. If you don't, make sure you shop other companies to get the "Home Security Discount"
  • Purchase A Fire Exstinguisher: Although smoke alarms provide warnings, it's best to be prepared. This may or may not provide any stand alone discount, but it shows your serious when it comes to reducing risk.
  • Stop Smoking: It's important to protect your health and your home. If you don't smoke or don't have anyone living with you that smokes then this can save you up to 18% on your home insurance premium.

Florence County Housing & Real Estate Data

Details:Statistics
Total Housing Units58666
Occupied Housing Units52653
Vacant Housing Units6013
Vacant Housing Units for Rent2143
Vacant Housing Units Rented Not Occupied116
Vacant Housing Units For Sale860
Vacant Housing Units Sold Not Occupied193
Vacant Housing Units For Seasonal Occasional Use416
Vacant Housing Units All Other Vacants2285
Housing Units Homeowner Vacancy Rate Percent2
Housing Units Rental Vacancy Rate Percent11
Housing Tenure Occupied Units52653
Housing Tenure Occupied Units Owner Occupied35526
Housing Tenure Occupied Units Owner Occupied Population90852
Housing Tenure Occupied Units Owner Occupied Averge Household Size3
Housing Tenure Occupied Units Renter Occupied17127
Housing Tenure Occupied Units Renter Occupied Population42805
Housing Tenure Occupied Units Renter Occupied Average Household Size3