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Best Homeowners Insurance Agencies in Columbia, SC

Our Recommended Top 7

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Columbia Homeowners Insurance Agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.



7Top Picks

Learn about our selection process.


featured provider = Featured Provider

100 9th Street, West Columbia, SC 29169 Rating

Review Sources

5.0 (98)
5.0 (4)
5.0 (2)

Why choose this provider?

Livingston Insurance Agency is a full-service insurance company that has been serving the Columbia metro area and nearby localities for more than 60 years. Founded in 1958, the firm assists individuals and families in safeguarding their homes, personal belongings, and liability exposure against disasters, accidents, and unfortunate events. Its agents also handle policies for condominiums, rental properties, and high-value homes. Other insurance services include personal, life and health, long-term care, business, professional liability, and bonds coverages.

  • Multiple Policy Types

6158 Saint Andrews Road, Columbia, SC 29212 Rating

Review Sources

4.7 (67)
3.5 (3)

Why choose this provider?

Terri Brock - State Farm Insurance Agent has been helping people in Columbia build insurance plans since 1989. This local State Farm agent assists clients in selecting the right home and property insurance policy and maximizing their protection. The homeowners' insurance covers reimbursement of lost items and repair or replacement expenses due to damage caused by natural disasters and other events like theft and vandalism. Terri Brock also offers a variety of insurance products, including auto, business, life, and health insurance policies.

  • Multiple Policy Types

2230 Devine St, Columbia, SC 29205 Rating

Review Sources

4.3 (8)
5.0 (1)

Why choose this provider?

Founded in 1980, Adams Eaddy & Associates is comprised of local insurance agents who serve individuals, families, and businesses in Columbia. The company offers a homeowners' insurance policy that protects family and their assets from financial loss due to disasters and risks. Adams Eaddy & Associates also provides business insurance policies that are supported by Correll Insurance Group. Insurance solutions for businesses include contractor's equipment, commercial property and liability insurance, workers' compensation, cyber liability, employment practices liability, and international coverage.

  • Flood
  • Multiple Policy Types

1631 Richland Street, Columbia, SC 29201 Rating

Why choose this provider?

The Saxon Agency is an insurance firm that offers homeowner policies to clients in and around Columbia. Personal home and property products are available, as well as auto, recreation, life, pet, and bicycle insurance. The company also has commercial insurance policies in its portfolio, including business interruption, excess liability coverage, equipment breakdown, workers' compensation, employment practices liability, and bonds. Owner Carrie Saxon recognizes the role consumer education plays in her duties as an insurance agent.

  • Multiple Carriers
  • Renter's Insurance

6168 Saint Andrews Road, Columbia, SC 29212 Rating

Review Sources

4.6 (97)
3.7 (3)

Why choose this provider?

Affordable Insurance Group has been offering home insurance solutions in Columbia since 1985. The company works with multiple insurance carriers to help homeowners obtain insurance plans that match their requirements. Its insurance professionals understand the value of well-protected homes and seek to determine appropriate coverage options. Homeowners receive financial compensation in the event of structural repairs, property damage or bodily injuries to non-residents, or personal property loss, resulting from covered incidents. These incidents include theft, fire, vandalism, and windstorms.

  • Fire
  • Personal Property Insurance

8313 Two Notch Road, Columbia, SC 29223 Rating

Review Sources

4.9 (105)
5.0 (21)
5.0 (1)

Why choose this provider?

Clark Farley Insurance helps homeowners in Columbia mitigate financial risks through appropriate home insurance plans. The company works with different insurance carriers, such as AAA, Heritage Insurance, and American Modern, to assist in finding insurance options that match clients' financial goals. Its insurance professionals assess possible risks and advise homeowners on applicable coverage types, including financial protection from dog bite liability, structural repairs, sinkholes, wind damage, septic backups, and trampoline liability. Their insurance products cover mobile and secondary homes.

  • Multiple Policy Types

1534 Leesburg Road, Columbia, SC 29290 Rating

Review Sources

4.9 (7)

Why choose this provider?

Smoak Insurance Agency, Inc., is an independent, local homeowners' insurance agency that serves clients living in Columbia and the surrounding areas. Its team of insurance agents offers home insurance policies that can cover the owner's primary dwelling, other structures inside the property, personal properties, and any additional expenses caused by a covered financial loss. Other than offering home insurance products, Smoak Insurance Agency, Inc., also provides auto, business, and life insurance.

  • Renter's Insurance
  • Personal Property Insurance
  • Condos

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Livingston Insurance Agency
100 9th Street, West Columbia, SC 29169
Terri Brock - State Farm Insurance Agent
6158 Saint Andrews Road, Columbia, SC 29212
Adams Eaddy & Associates
2230 Devine St, Columbia, SC 29205
The Saxon Agency
1631 Richland Street, Columbia, SC 29201
Affordable Insurance Group
6168 Saint Andrews Road, Columbia, SC 29212
Clark Farley Insurance
8313 Two Notch Road, Columbia, SC 29223
Smoak Insurance Agency, Inc.
1534 Leesburg Road, Columbia, SC 29290


  • Introduction

    Homeowners' insurance is a type of property insurance used by private property owners to protect their home and property from a range of risks and liabilities. It is also called home insurance.

    All homeowners' insurance policies cover the primary home on a property, meaning that most damage from weather, accidents, vandalism, and other events will be at least partially paid for by the insurance company. Many policies also include coverage for other structures, personal property, and some premises liability.

    It is not required by law that a homeowner purchases insurance for their property. However, if you have a mortgage, the lender will usually make purchasing a homeowners' policy a mandatory part of the loan process. Since the mortgage lender is essentially selling you the home, they require you to protect the investment.
  • Is homeowners' insurance necessary for your Columbia home even without a mortgage?

    Even without a mortgage, homeowners' insurance can be beneficial since it provides financial security against disasters in Columbia, covering both your house and its contents. It ensures you can recover property value, make repairs, or rebuild, even if you don't have a mortgage. Additionally, your legal obligation for any injuries and property damage you or your family members cause to othersare also covered by your homeowner's insurance.

  • Which elements influence your homeowners' insurance rate in Columbia?

    Factors influencing your Columbia homeowners' insurance rate include the following:

    • Pet ownership: Owning a pet classified as "dangerous" may raise your premium.
    • Prior claims: Past claims can lead to higher premiums.
    • Home age: Older homes have a higher risk of issues, potentially increasing your claims likelihood.
    • Home-based business: Running a business from home may require extra coverage.
    • Attractive nuisances: Amenities like trampolines and pools might present risks and possibly raise your premium.
    • Home renovations: Improvements can raise your home's value, potentially impacting your premium.
  • How can you cut costs on your homeowners' insurance in Columbia?

    You can reduce your Columbia homeowners' insurance expenses by checking if you're eligible for discounts after safeguarding your home against wind damage, installing security systems, and maintaining a claims-free history. Additionally, increasing your standard deductible can lead to savings, although it means you'll cover more of the costs when filing a claim. Lastly, ensure you choose a deductible that fits your budget while enjoying the lower premium.

  • What information is required to obtain a homeowners' insurance quote in Columbia?

    To get a homeowners' insurance quote in Columbia, you'll need to provide details like the following:

    • Type of home construction; siding, brick, or a mix.
    • Year the home was built.
    • Roof age.
    • Total heated square footage.
    • Quantity of bedrooms.
    • Number of bathrooms; full and half.
    • Age of the wiring, heating, and cooling systems in properties older than 20 years.
    • Type of foundation; slab or crawlspace.
    • Home address.
  • What unexpected situations does homeowners' insurance in Columbia provide coverage for?

    In Columbia, homeowners' insurance can offer protection encompassing legal expenses from unexpected lawsuits, as well as incidents like vandalism, break-ins, and theft. It also safeguards against damage caused by lightning strikes, falling trees, and water-related issues, such as burst pipes and sewage backups.

  • What determines the price of homeowners insurance premium?

    The premium, or monthly cost, of your homeowners' insurance policy depends on several factors, including the value of your home and amount of coverage you choose. Your credit history and whether the property is in a higher risk area also play a role.

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