Cornerstone Insurance
838 Powdersville Rd, Suite J, Easley, SC 29642
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Easley households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
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838 Powdersville Rd, Suite J, Easley, SC 29642
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119 Gentry Memorial Highway, Easley, SC 29640
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209 Siloam Rd, Easley, SC 29642
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129 East First Avenue, Easley, SC 29640
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129 E 1st Ave, Easley, SC 29640
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Learn about insurance coverage options specific to Easley residents.
Easley homeowners face unique risks from foothills flooding and storms. Learn what you'll pay, how to save, and why your standard policy may not be enough.
Car InsuranceGet auto insurance in Easley, SC. Learn about South Carolina's 25/50/25 minimums, at-fault system, and average rates of $2,189/year in the Greenville area.
Flood insurance is only required by mortgage lenders if your home is in a FEMA-designated high-risk flood zone. However, many Easley homes outside these zones are still vulnerable to flash flooding from the Blue Ridge foothills. Since standard homeowners policies exclude flood damage entirely, it's worth evaluating your risk even if it's not required—flash flooding doesn't care about FEMA maps.
Easley homeowners typically pay less than coastal residents because you're not exposed to hurricane storm surge. While South Carolina's average is $2,708 annually for $250,000 in dwelling coverage, inland upstate communities like Easley usually fall toward the lower end of the state's range. Coastal properties face significant hurricane risk premiums that can drive costs much higher.
In South Carolina, wind and hail deductibles are percentage-based rather than flat dollar amounts. If your home is insured for $300,000 and you have a 3% wind and hail deductible, you'll pay $9,000 out of pocket before insurance covers the rest. This is separate from your standard deductible for other types of claims and can be significantly higher than what you're used to.
Yes, through the SC Safe Home Mitigation Grant Program. This state program offers grants from $3,000 to $7,500 to help homeowners install storm protection features like roof reinforcement, impact-resistant windows, or hurricane straps. The amount depends on your household income and the level of upgrades. These improvements often qualify you for additional insurance discounts that save money over time.
Absolutely. If your roof is older than 15 years, many insurers won't offer coverage at all, and those that do will charge significantly higher premiums. Some companies will only provide actual cash value coverage for the roof rather than full replacement cost. If you're buying a home in Easley, the roof's age should be a major factor in your decision—replacing it proactively costs less than paying elevated premiums for years.
Bundling your home and auto insurance with the same company typically saves 10-25% on both policies, making it the single easiest way to cut costs. Beyond that, installing a monitored security system, maintaining a claims-free history, and raising your deductible can each contribute additional savings. Shopping around annually is also critical—rates for identical coverage can vary by hundreds of dollars between insurers.
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