Home Insurance in Sumter, SC
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Live Without Excess Fear With Home Insurance in Sumter, SC
Sumter, SC, is a subtropical paradise, 17 miles from Manchester State Forest and home to the Swan Lake Iris Gardens. The Manchester State Forest boasts 28,000 acres of hardwoods and mixed pine and offers a variety of outdoor activities, including hunting, fishing, horseback riding and bicycling. Within the suburban city, Sumter is home to the Swan Lake Iris Gardens, the only public park to house all eight swan species and over 120 varieties of colorful irises.
The town is a diverse, peaceful city with a thriving historical and art community. Its population of 42,920 people is drawn to its friendly, quiet neighborhoods and thriving manufacturing and industrial base. However, home insurance is necessary to protect your investment and life in Sumter, SC.
Invest in Your Life Without Breaking the Bank
Sumter, SC, has a low cost of living compared to other areas of South Carolina. With a median housing price of $142,100 and an average income of $43,051, residents can choose where and how they want to live.
To protect your home, expect to pay about $1,085 on average for home insurance in Sumter, SC, a lower-than-average insurance cost for the U.S. The actual cost of your insurance depends on your specific risks, coverage options and any add-ons you include with your policy. To find comprehensive coverage within your budget, seek help from VIU by HUB to review the rates in your area.
Recognize Your Perils in Sumter, SC
Homeowners insurance covers various perils and provides financial protection for your home and belongings. Basic home insurance coverage typically includes damage to your property, assets and injuries or damage to someone else's property or person.
Policies can either be open peril or named peril. In open peril, any peril left unlisted is a peril you have coverage for. Generally, these policies only list exclusions. On the other hand, named perils write the risks into the coverage; they're not covered if they're not listed.
Seek Appropriate Add-Ons
In most cases, you'll need endorsements to your policy that cover specific perils to your property.
Flood Damage
Most home insurance in Sumter, SC, does not cover damages caused by flooding or storm events. However, many properties in Sumter are eligible for a 15% discount on the typical cost of flood insurance because of the Federal Emergency Management Agency's Community Rating System. Despite the mild climate, Sumter is prone to tropical storms from June to November.
Sewer Backup
Following flooding or heavy rain, drainage systems may overflow and back into your house. Sewer and drain backup can cause severe damage to your flooring, walls, foundations and other elements of your property. Restoring your property from this type of damage can be expensive and not many basic policies cover the damage.
Underground Utility Line Damage
Homeowners are responsible for any damage to underground lines on their properties. Damage can occur due to the age of the lines or from tree roots. If you live in one of Sumter's historic homes, you are more likely to experience underground utility damage and should have an endorsement to cover repairs.
Find Your Unique Policies for Home Insurance
When seeking home insurance in Sumter, SC, you must understand that your needs are uniquely yours. Every policy is dependent on the homeowner, location and type of home. At VIU by HUB, we can help you review and compare policies that fit your needs and remain within budget.
This information is intended for general informational purposes only and is not intended to constitute legal advice.
Sources
South Carolina Department of Natural Resources