Burnett Insurance Agency
101 School St., Greer, SC 29651
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101 School St., Greer, SC 29651
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810 W Poinsett St, Greer, SC 29650
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300 John Street Building 4A, Greer, SC 29651
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Learn about insurance coverage options specific to Greer residents.
Greer home insurance averages $1,118/year—12% below SC average. Learn about hail risks, new construction discounts, and how to save on coverage.
Car InsuranceGreer, SC auto insurance guide: 25/50/25 requirements, average costs $1,200-$1,800/year, BMW corridor traffic risks, and coverage tips for 2026.
General Insurance EducationComplete insurance guide for Greer, South Carolina. Learn about auto, home, flood, and business coverage options in this fast-growing Upstate SC city.
The average home insurance premium in Greer is $1,118 per year, which is significantly below the South Carolina state average of $2,678. Your actual cost will depend on factors like your home's age, value, construction type, and the coverage limits you choose. Homes with $300,000 in dwelling coverage typically pay $1,120-$1,420 annually, while $400,000-$500,000 in coverage averages around $1,612 per year.
Yes, standard homeowners insurance policies cover hail damage to your roof, siding, and structure. However, Greenville County experiences frequent hail storms—12 in a recent 12-month period—so some insurance carriers have added restrictions, such as excluding cosmetic damage or limiting the number of claims you can file. Filing a hail claim will likely increase your premium at renewal, so it's worth considering whether the damage exceeds your deductible before filing.
Even if you're not in a FEMA-designated flood zone, flood insurance is worth considering in Greer. The area experiences heavy rainfall and severe weather, and rapid development can sometimes overwhelm drainage systems, leading to localized flooding. Standard homeowners policies don't cover flood damage, so a separate flood policy through the National Flood Insurance Program or a private carrier (typically $400-$600/year) provides important protection.
Bundling your home and auto insurance is the easiest way to save, with discounts typically ranging from 15-30% and sometimes as high as 35%. Installing a monitored security system, upgrading to impact-resistant roofing, and raising your deductible can also reduce your premium. Additionally, newer homes or homes with updated electrical, plumbing, and roofing systems qualify for lower rates. Shopping around and comparing quotes from multiple carriers like Progressive, Nationwide, and Erie ensures you get the best price.
Your home's market value is what it would sell for today, including the land. Replacement cost is what it would cost to rebuild your home from scratch if it were destroyed, excluding the land value. In a hot market like Greer, replacement costs can climb due to rising material and labor costs, so your dwelling coverage should reflect the cost to rebuild—not just what you paid for the house. Review this annually to avoid being underinsured.
Living near major employers like the BMW plant doesn't directly increase your home insurance rates, but it can indirectly affect them. Areas with higher traffic, more development, and rising property values may see increased rebuilding costs, which should be reflected in your dwelling coverage. However, Greer residents typically save 4-9% on insurance compared to higher-density areas like downtown Greenville due to lower crime and traffic density overall.
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