Homeowners Insurance Discounts
Home Insurance Discounts in Goose Creek, South Carolina
Our mutual goal is to help you save money on homeowners insurance. We understand insurance can be expensive, which is why we always search for discounts available. We offer homeowners insurance at affordable rates. Our office is located in Goose Creek, South Carolina, but have customers all over the Lowcountry. Below is a list of homeowners insurance discounts in Goose Creek, South Carolina and surrounding areas.
Our Goal Is To Save You Money
South Carolina Homeowner's Insurance Discounts
Age of Home
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If you have a newer home, there is a chance that you will receive the new construction discount. You receive a discount because the Roof, HVAC, Wiring, & Plumbing are newer and are less likely to have claims because your home is up to date on the building code.
New Purchase
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If you are buying a home, you may receive this discount, which can help lower your homeowners insurance premium in Goose Creek, SC
Updated Roof
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If you just replace your roof or your roof is within 10-15 years, you may qualify for this discount and help you qualify with more of our insurance companies. We are an independent agent located in Goose Creek that has 10+ homeowners insurance companies that cover the Lowcountry of South Carolina.
Advance Purchase
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Depending on our companies, you may receive the advance purchase discount if you purchase the homeowners insurance quote within 8-10 days.
Pay In Full
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You may receive the Pay In Full discount if you or your mortgage pays the yearly homeowners insurance premium in full.
Claims Free
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Had no insurance claims on your house in the past? You may qualify for the Claims Free discount, which rewards you for not having any insurance claims on your home.
Bundle Home & Auto
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Bundle your home & auto in Goose Creek, South Carolina with Cheri Nelson Insurance and receive a discount on your homeowners insurance. You will also receive a credit on your auto insurance for owning a home.
Burglar & Fire Alarm
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Have an alarm system that reports to the police or fire station? Let us know and we will apply that discount on your homeowners insurance. Our companies may require proof of the alarm system by requesting an alarm certificate.
Homeowner Claims in South Carolina
Before a claim is paid out, you are required to pay the deductible. Your deductible is extremeley important to be aware of because it can often be expensive. Deductibles can range from $1,000, $2,500, 1%, 2%, or 5%. A percentage deductible would be 2% times your dwelling amount.
For example, if your dwelling coverage is $500,000 and you have a 2% deductible for Named Storm, then you would have to pay 2% x $500,000 or $10,000 to have insurance cover your damages if a hurricane were to do damage. This is why it is extremely important to take note of what deductibles you have. At Cheri Nelson Insurance, we try our best to give everyone a deductible at $1,000 to make it affordable for our customers.
Earthquake Insurance in South Carolina
Believe it or not, South Carolina does have earthquakes. According to DNR, our most recent earthquake was on 4/22/2022 of a magnitude of 2.17. The largest earthquake to ever hit South Carolina was in 1886 at a magnitude of 7.3. Earthquake is an optional coverage, but is recommended to get your home repaired or replaced at the time of an earthquake. Certain companies offer different coverages and deductibles for earthquake, so it is always important to understand what earthquake on your policy covers and doesn't cover. Earthquake Insurance in Goose Creek, South Carolina typically ranges from $300-$800 depending on the coverage amount and where your home is located. Contact us if you are interested in getting an earthquake insurance quote.
Flood Insurance in South Carolina
Flood insurance is not included on your typical HO-3 policy. Flood insurance is a separate insurance policy that covers rising water, check with your agent or give us a call if you would like to know what flood covers and doesn't cover. If you are located in a flood zone, you are required to have flood by your mortgage. If your house is paid off, it is highly recommended to have flood insurance in South Carolina. South Carolina's last major flood was in October of 2015 and reached houses that weren't even in a flood zone. Flood insurance policies in Goose Creek, South Carolina are in the range of $400-$800 depending on where your house in located, but this number can vary. With flood insurance, you have the option to choose FEMA (federal) or NFIP (private). FEMA Flood Insurance policies only cover up to $250,000 on the building and $100,000 on personal contents, which satisfies most mortgage requirements. NFIP flood insurance allows you to have insurance up to the full value on your home and personal contents. So it is up to you to decide which route you would like to go for your flood insurance.
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