Citizens Insurance Agency
104 S. Shamrock Ave., Landrum, SC 29356
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Landrum households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
Compare local agents, coverage options, and specialties to find the right fit for your insurance needs.
104 S. Shamrock Ave., Landrum, SC 29356
View this agency's profile to learn more about their services.
402 E Rutherford St, Ste 2, Landrum, SC 29356
View this agency's profile to learn more about their services.
104 S Shamrock Ave, Landrum, SC 29356
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to Landrum residents.
Landrum, SC home insurance averages $1,233-$2,678/year. Learn about coverage for ice storms, severe weather, and flood risks in the Blue Ridge foothills.
Navigate Landrum insurance requirements from SC's 25/50/25 auto coverage to home protection in the Blue Ridge foothills. Compare rates and coverage.
It depends on your property's location. If your home is in a special flood hazard area, your mortgage lender will require flood insurance. Even if it's not required, consider purchasing it—standard homeowners policies don't cover flood damage, and heavy rainfall in the foothills can cause unexpected flooding. Flood insurance is available through the National Flood Insurance Program and typically costs a few hundred dollars annually.
Yes, standard homeowners policies cover damage from ice storms, including damage to your roof, siding, and other structures from falling tree limbs weighted down by ice. However, damage from flooding caused by ice dams or frozen pipes may have specific limitations. Review your policy to understand your coverage and consider adding equipment breakdown coverage for appliances damaged by power outages.
Homeowners in Spartanburg County pay an average of $1,233 per year, though rates vary based on your home's value, age, condition, and your credit score. South Carolina's statewide average is $2,678 annually. Your actual premium depends on factors like coverage limits, deductibles, and the specific risks associated with your property's location.
South Carolina law doesn't require homeowners insurance, but if you have a mortgage, your lender will require it to protect their investment. Even if you own your home outright, carrying insurance is a smart financial decision given the weather risks in the Blue Ridge foothills, including severe storms, ice, and potential flooding.
A hurricane deductible is a separate, higher deductible that applies specifically to hurricane damage. In South Carolina, insurers can charge this deductible even for inland properties like those in Landrum if a hurricane or tropical storm causes damage. This deductible is typically 2-5% of your dwelling coverage amount rather than a flat dollar figure, so on a home insured for $300,000, you might pay $6,000 to $15,000 before coverage kicks in.
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