Citizens Insurance Agency
319 Oakland Ave, Rock Hill, SC 29730
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319 Oakland Ave, Rock Hill, SC 29730
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331 E Main St, Ste 200, Rock Hill, SC 29730
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235 Oakland Ave, Rock Hill, SC 29730
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147 Herlong Ave, Rock Hill, SC 29730
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116 E Main St, Suite 201, Rock Hill, SC 29730
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Learn about insurance coverage options specific to Rock Hill residents.
Rock Hill homeowners pay $1,327-$1,751/year for home insurance. Learn about flood zones, storm coverage, and rates in York County, SC.
Car InsuranceRock Hill drivers need 25/50/25 liability plus mandatory uninsured motorist coverage. Learn SC's at-fault system, I-77 risks, and how to save on car insurance.
Most of Rock Hill is classified as an AE flood zone due to proximity to the Catawba River and its runoff streams. This is a high-risk designation meaning there's a significant probability of flood damage during a 30-year mortgage period. Standard homeowners insurance doesn't cover flood damage, so you need a separate flood policy. Mortgage lenders require it in high-risk zones, and it typically costs just a few hundred dollars per year.
Rock Hill homeowners pay significantly less than the state average. For a $200,000 home, expect to pay around $1,327 annually, or about $1,751 for $300,000 in coverage. This compares favorably to the South Carolina average of $2,708. However, your actual rate depends heavily on factors like credit score, home age, and coverage limits.
Yes, dramatically. Credit score is the single biggest factor affecting home insurance premiums in South Carolina. Homeowners with excellent credit pay an average of $1,822 annually statewide, while those with poor credit can pay over $13,000—a difference of more than $11,000. Improving your credit score before shopping for insurance can save you thousands.
Generally yes. Older homes, particularly those built before 1939 that are common near Winthrop, often have outdated electrical, plumbing, and roofing systems that pose higher risk. However, you can reduce premiums by updating these systems and documenting the improvements to your insurer. Many companies offer discounts for modernization that can partially or fully offset the higher base rate for older homes.
Rock Hill faces severe thunderstorms with damaging winds, hail, lightning, occasional tornadoes, and ice storms. Standard policies in South Carolina typically cover wind, hail, and lightning damage without special endorsements. However, verify your deductible structure and make sure you understand whether you have a flat deductible or percentage-based deductible. Also remember that flood damage requires separate coverage.
Most experts recommend increasing liability coverage to at least $300,000 or $500,000, which typically costs only $50-75 more per year. Medical bills and legal costs from injuries on your property can quickly exceed $100,000. If you have significant assets to protect, consider an umbrella policy providing $1 million or more in additional liability coverage for about $200-300 annually.
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