National Insurance Agency, Inc.
7022 Shelbyville Road, Suite 3, Simpsonville, KY 40067
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7022 Shelbyville Road, Suite 3, Simpsonville, KY 40067
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to Simpsonville residents.
Compare home insurance rates in Simpsonville, SC. Learn about tornado risks, hail damage coverage, and how new construction affects your premiums.
South Carolina requires 25/50/25 liability coverage—$25,000 per person for bodily injury, $50,000 per accident, and $25,000 for property damage. You also need matching uninsured motorist coverage. However, these minimums often aren't enough to cover serious accidents, so many experts recommend higher limits like 100/300/100.
Simpsonville homeowners pay an average of $96 per month or $1,152 annually for home insurance, which is considerably lower than the South Carolina state average. Rates vary by ZIP code, with 29680 averaging $1,246 yearly and 29681 averaging $1,412. Your specific cost depends on your home's age, size, construction, and coverage limits.
No, standard home insurance policies do not cover flood damage. Given Simpsonville's proximity to the Enoree River and risk of heavy rainfall, you'll need a separate flood insurance policy through the National Flood Insurance Program. Even if you're not in a designated flood zone, consider this coverage since flash flooding can occur anywhere during severe storms.
Simpsonville faces several weather risks including severe thunderstorms with strong winds and hail (especially spring and summer), occasional flooding from heavy rainfall and river overflow, and rare but possible tornadoes during spring and early summer. Your insurance should include coverage for wind, hail, and water damage. Consider separate flood insurance for comprehensive protection.
Yes, bundling typically makes sense for most Simpsonville residents. You'll usually save 15-25% on your premiums when you purchase auto and home insurance from the same carrier. Beyond the discount, bundling simplifies your insurance management with one agent contact, synchronized renewal dates, and streamlined claims processing if you experience a major event.
Maintain good credit and a clean driving record, as both significantly impact your rates. Ask about discounts for bundling policies, safety features, security systems, and good student discounts for teens. Consider raising your deductibles to $1,000 or higher if you have emergency savings. Installing impact-resistant roofing and monitored security systems can lower home insurance costs while actually protecting your property.
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