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A standard policy insures the home itself and the things you keep in it.

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Homeowners Insurance


Homeowners Insurance Quote Forms

Looking for coverage? Click any of the following links to submit a quote for quick, accurate and affordable rates.


Homeowners Insurance Information

Affordable Columbia, SC Homeowners Insurance

Also Serving Irmo, Chapin, Lexington & Surrounding Areas in South Carolina 

Finding the perfect home is an exciting venture, but it takes a lot of work. You want to make sure that hard work is protected by the best coverage available. At Affordable Insurance Group, we find the best insurance agency for you and your budget. That way, you can focus on raising your family and owning your home without worry.

What is Included in Home Insurance?

Home insurance policies are made to protect you, your home and its contents. A general home insurance policy comes with:

  • Dwelling Coverage: This helps pay for damages done to the actual house and its attached structures — such as a garage — as a result of covered incidents. Covered incidents generally include fire, hail, windstorms, lightning, vandalism and theft.
  • General Liability: This helps pay medical expenses or damages if you cause bodily injury or property damage to someone else.
  • Personal Belongings Coverage: Also known as personal property coverage, personal belongings coverage offers either replacement value or cash value for items lost or damaged due to a covered incident. It covers furniture, clothes and more. But it won't necessarily cover expensive jewelry or art. This coverage also applies to items off the property.
  • Additional Living Expenses: If a disaster sweeps in, additional living expenses helps if you must temporarily live somewhere else.

Common Home Insurance Questions

What is the Average Cost of Homeowners Insurance?

Home insurance costs vary on a variety of factors, including the state you live in. Overall, home insurance in the US costs around $1,228 a year. South Carolina's annual average for home insurance is a little higher at $1,402.

How Far in Advance Can I Buy Home Insurance?

You can purchase home insurance surprisingly early. Generally, you should purchase home insurance before the closing date. You can usually prepay a year's worth of home insurance before closing.

How Often Does Homeowners Insurance Go Up?

Home insurance rates typically increase every year. It’s a good idea to check your policy at each renewal period.

How Much is Home Insurance Per Month?

The national average for home insurance per month is around $102 while the average home insurance cost per month in South Carolina is around $117.

Bundle Your Policies

Did you know that you can save on your premiums by bundling your home and auto insurance policies? As an independent agency, Affordable Insurance Group offers many options for bundling coverage. Learn more about our bundled policy services today!

Get Started Today

Affordable Insurance Group has over 30 years of experience matching clients with reliable insurance coverage for their homes, vehicles, and businesses. Give us a call today at (803) 798-4499 or fill out an online quote to get started insuring your home.

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