Home Insurance in Spartanburg, SC and Surrounding Communities
Protect your Spartanburg home from storms, surprises, and everyday risks with coverage tailored to South Carolina homeowners.
Your home is more than an address—it’s where life happens. As an independent insurance agency in Spartanburg, SC, Select Source shops multiple carriers to find homeowners insurance that fits your budget, your mortgage requirements, and the way you actually live. From historic homes in Converse Heights to new builds in Boiling Springs and fast-growing neighborhoods across the Upstate, we help you protect what matters most.
Get a Home Insurance Quote
Client Testimonials
“Aaron was wonderful. He made the process of getting new home owners insurance painless for me. He also told me I was paying too much for auto insurance. He came through with bundling home and auto. We now pay half of what we used to on auto insurance.”
Trisha M.
“We were in the process of purchasing our first home and Aaron worked his butt off to get us the best rate possible. He will be honest and upfront with you. A great person and always a pleasure to talk to. Highly recommend Select Source for all your insurance needs.”
Jessica M.
“Recently signed on with Select Source Insurance Group. The process was flawless. Chandler walked me through all the steps, and explained my homeowners and auto coverage in detail. As I’m leaving Florida and moving to S Carolina, I had a number of questions; all clearly answered.”
Rosemary K.
"Aaron was very easy to work with. As I am a new customer and new to SC, he was very thorough and explained everything completely. His rate with a major carrier was much better priced for the same coverage than the insurance I had. I highly recommend him."
Sandra L.
Homeowners Insurance Built for Spartanburg and the Upstate
South Carolina homes face unique risks—from heavy rains and summer storms to rapid neighborhood growth and changing building codes. That’s why it helps to work with a local, independent agency that understands how South Carolina property insurance really works. We’ll review your current policy, explain what’s covered (and what isn’t), and recommend home insurance options that match your home’s age, construction, and location, whether you’re in
Spartanburg,
Boiling Springs,
Inman,
Chesnee,
Duncan, or
Lyman.
What Does Homeowners Insurance Cover in South Carolina?
A standard homeowners insurance policy in South Carolina typically includes several key types of coverage. We help you understand how each one works so your house, belongings, and savings are protected if the unexpected happens.
Core Protections Included in Your Policy:
- Dwelling coverage
Protects the structure of your home—walls, roof, built-in fixtures, and attached structures—if they’re damaged by a covered event like fire, wind, lightning, or certain types of storm damage.
- Other structures
Covers detached structures on your property such as sheds, fences, and detached garages, up to the limits listed in your policy.
- Personal property coverage
Helps repair or replace belongings like furniture, clothing, electronics, and décor if they’re stolen or damaged by a covered loss. We’ll review whether you have actual cash value or replacement cost coverage.
- Loss of use (additional living expenses)
Pays for extra costs if you can’t live in your home after a covered loss—such as temporary housing, meals, and other expenses while repairs are being made.
- Personal liability coverage
Helps protect you if someone is injured on your property or if you’re held responsible for damage to someone else’s property. We’ll help you choose limits that reflect your assets and risk.
- Medical payments to others
Provides limited coverage for medical expenses if a guest is injured at your home, regardless of fault.
What Home Insurance in South Carolina Doesn’t Cover—and How to Fill the Gaps
Standard homeowners insurance is a powerful foundation, but it doesn’t cover everything. In South Carolina, it’s important to review additional protections that can be added to your plan.
Key add-ons and considerations:
- Flood insurance
Flood damage—from rising water, overflowing creeks, or storm surge—is not covered by standard home insurance. We can help you explore separate flood insurance policies so you’re protected if heavy rains or storm runoff impact your property. - Wind and hail deductibles
Many South Carolina home insurance policies include separate wind and hail deductibles. We’ll walk you through how these work, what your current deductible is, and whether adjusting it could make sense for your risk and budget. - Personal umbrella policy
If you have significant assets, a personal umbrella policy can extend your liability protection beyond what your home and auto policies provide—often in increments of $1 million or more at a very reasonable cost. - Scheduled personal property
Jewelry, fine art, collectibles, and other high-value items may need extra coverage. We’ll help you decide when to schedule these items so they’re fully protected.
Home Insurance for Renters and Condo Owners in South Carolina
You don’t have to own a single-family house to need home insurance. Renters and condo owners across Spartanburg and the Upstate rely on tailored coverage to protect what matters most.
For Renters (Renters Insurance)
Renters insurance in Spartanburg helps cover your personal belongings—furniture, electronics, clothing, and more—if they’re stolen or damaged by a covered event. It can also include liability coverage if someone is injured in your apartment and additional living expenses if you’re temporarily displaced.
For Condo Owners (Condo Insurance)
Condo insurance is designed to work alongside your condo association’s master policy. We’ll help you understand what the association covers (common areas, exterior) and what you’re responsible for (interior finishes, personal property, liability), then tailor a policy around that.
How Much Is Home Insurance in South Carolina?
There’s no single price for homeowners insurance because every home is different, but we can help you understand what affects your rate:
- Home location and neighborhood (proximity to fire hydrants, fire stations, and local crime statistics)
- Age, construction, and condition of the home (roof age, updates to wiring and plumbing, and building materials)
- Coverage limits and deductible choices
- Claims history for you and sometimes your property
- Safety and security features like alarms, smoke detectors, and smart home devices
As your independent insurance agency, we compare home insurance quotes in Spartanburg and the Upstate across multiple carriers so you can see your options side by side—and choose the right mix of coverage and cost.
Ways to Lower Your Homeowners Insurance Cost in Spartanburg and the Upstate
While you should never cut coverage just to save a little money, there are smart ways to keep premiums manageable:
- Bundle home and auto insurance with the same carrier when possible
- Increase your deductible to a level you can comfortably afford in an emergency
- Install protective devices like monitored smoke alarms, security systems, and deadbolts
- Keep roofs, HVAC systems, and plumbing in good condition to reduce the risk of claims
- Ask about loyalty, claims-free, and protective-device discounts
- Review your policy annually to make sure your coverage is accurate and up to date
We’ll help you identify savings opportunities without sacrificing the protection your home and family need.
Ready to Protect Your South Carolina Home?
Your home is one of your biggest investments. Make sure it’s backed by a homeowners insurance policy designed for the way you live in Spartanburg and the surrounding Upstate communities.