Bill Andrews Agency
209 Main Street, Greenville, MS 38701
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Greenville households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
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209 Main Street, Greenville, MS 38701
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2400 Malmaison St, Greenville, MS 38701
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1353 E Reed Rd, Greenville, MS 38703
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Learn about insurance coverage options specific to Greenville residents.
Greenville home insurance costs $1,100-1,600/year—half the coastal SC rates. Learn about severe weather coverage, discounts, and smart ways to save.
Home InsuranceGreenville homeowners pay $1,231-$1,300/year—half the SC average. Learn what drives your premium, how to save money, and why upstate rates beat the coast.
Car InsuranceGreenville drivers pay $1,953/year for full coverage—below SC average. Learn about rates, hail coverage, discounts, and savings for new residents.
Car InsuranceGreenville auto insurance averages $1,300-$1,700/year. Learn SC's 25/50/25 minimums, at-fault rules, and coverage for growing metro traffic.
General Insurance EducationComplete Greenville insurance guide: SC requirements, hail risks, homeowners rates ($1,050-$1,728), and what growing Upstate residents need to know.
Business InsuranceEverything Greenville businesses need to know about workers' comp, liability, and coverage for automotive suppliers and tech companies in 2025.
Most Greenville homeowners pay between $1,100 and $1,600 per year for home insurance, which is significantly lower than coastal South Carolina cities like Charleston ($3,270 average) or Myrtle Beach (up to $4,772). Your actual rate depends heavily on your credit score, home age, coverage limits, and available discounts like bundling with auto insurance.
Yes, standard homeowners insurance policies in Greenville include wind and hail coverage, which protects you from tornado and severe thunderstorm damage. Unlike coastal areas that often require separate windstorm policies, upstate South Carolina homeowners get this coverage built into their standard policy at no additional cost.
Flood insurance isn't included in standard homeowners policies anywhere, including Greenville. If your home is near the Reedy River, in a designated flood zone, or in an area prone to flash flooding from severe thunderstorms, you should seriously consider separate flood coverage through NFIP or a private insurer. Check your flood zone risk to make an informed decision.
Greenville is far enough inland to avoid hurricane-force winds, storm surge, and tropical storm damage that plague coastal areas. While you still face severe thunderstorms and occasional tornadoes, these risks are significantly lower than coastal hurricane exposure, which is why upstate homeowners pay roughly half what coastal residents pay for comparable coverage.
Bundle your home and auto insurance (saves 10-25%), raise your deductible to $1,000-$2,500 if you have emergency savings, improve your credit score (the biggest rating factor in SC), and ask about discounts for security systems, claims-free history, and newer roofs. Shopping multiple insurers is essential since rates vary significantly between companies.
Generally yes. Newer homes built to modern building codes with updated materials, wiring, plumbing, and roofing typically qualify for lower insurance rates because they're less likely to sustain damage and have fewer maintenance-related claims. With Greenville's construction boom, many new homeowners benefit from these lower rates right from the start.
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