Updated: November 10, 2025
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Chubb is the overall best and cheapest home insurance company in Columbia, South Carolina. It's also the best choice for homeowners who value excellent customer service.
Insurers cater to different needs, so choose one based on what's important to you, like budget, service or coverage.
Best HomeInsuranceColumbia, SCTable of Contents
Why Trust MoneyGeek? We used data from the South Carolina Department of Insurance and Quadrant Information Services to choose the top homeowners insurance in Columbia.
Home insurance premiums in Columbia represent the most competitive quotations as of September 2024.
Chubb is the best home insurance option for $100,000 dwelling coverage in Columbia, with a MoneyGeek score of 99 out of 100.
The scores for home insurance companies in Columbia range from 51 to 99, varying based on factors like credit history and the home's age.
| Chubb | 99 | $474 |
| State Farm | 84 | $933 |
| Auto-Owners Insurance | 82 | $1,554 |
| Nationwide | 81 | $1,029 |
| Allstate | 73 | $911 |
| Foremost Insurance | 69 | $993 |
| Travelers | 51 | $3,034 |
Chubb has the best home insurance in Columbia for $100,000 dwelling coverage. The company balances affordability with strong customer satisfaction. The overall top providers are:
While cost is important, customer service and claims experience matter most when filing a claim.
Chubb is the top choice for home insurance with a MoneyGeek score of 99 out of 100 for its affordability and customer satisfaction. It offers guaranteed replacement cost and building ordinance or law coverages to meet current codes, as well as a cash settlement option if you choose not to rebuild after a loss.
Discounts include new home savings for homes under 10 years old and renovation discounts.
Chubb offers the best customer service in home insurance for $100,000 dwelling coverage in Columbia. The top providers in this category are:
The company's responsive support and clear policies address your needs quickly. Chubb handles claims and concerns efficiently.
Chubb earns a 96 MoneyGeek score for customer satisfaction and comprehensive coverage. The company provides guaranteed replacement cost, which covers rebuilding costs beyond your policy limit, and building ordinance coverage to meet updated building codes. Chubb also offers a cash settlement option if you choose not to rebuild after a total loss.
Homeowners can save with the new home discount for homes 10 years old or less and renovation discounts for recent updates.
Chubb is the best cheap home insurance company in Columbia for $100,000 dwelling coverage. The top budget-friendly providers for this coverage amount are:
If saving on premiums is your goal, explore the cheapest homeowner insurance companies. Cheaper policies often provide limited coverage and leave you underinsured. The best cheap providers like Chubb balance affordability with robust coverage options.
Chubb is the best cheap company with a MoneyGeek score of 99 out of 100 for balanced cost and coverage. It provides comprehensive home insurance with add-ons like guaranteed replacement cost, building ordinance or law and cash settlement. These coverages ensure your home is rebuilt to current codes, or you can choose cash settlement if you decide not to rebuild.
Chubb also helps you save with the new home discount, which applies to homes 10 years old or less.
MoneyGeek’s home insurance calculator will give you a ballpark estimate of your cost — It's free to use, requires no personal information and we won't send you any spam.
Rates updated:
Dec 15, 2025
Homeowners insurance in Columbia depends on several factors, including location. Comparing rates is the best option to save money, though it can take about 15 minutes per company. Comparing three or more companies might take over an hour. MoneyGeek's home insurance calculator helps save time and finds the best rates by focusing on age, dwelling coverage, credit score, deductible, liability coverage and more.
Chubb is the top choice for affordable home insurance in Columbia. Here are the cheapest providers:
Chubb offers the lowest costs for $100,000 and $250,000 coverages in Columbia. Allstate offers the lowest rate for $500,000 coverage. Your dwelling coverage amount affects your premium.
Getting the cheapest homeowners insurance in South Carolina helps manage your finances over time.
| Chubb | $474 |
| Allstate | $911 |
| State Farm | $933 |
| Foremost Insurance | $993 |
| Nationwide | $1,029 |
| Auto-Owners Insurance | $1,554 |
| Travelers | $3,034 |
Allstate is the cheapest option for high-value homes in Columbia. High dwelling coverage is necessary for properties that cost more to replace, as home insurance costs usually increase with the home's value.
While Allstate offers the lowest rates, it may not be the best overall. The lowest price doesn't always mean the best value; coverage quality and customer service are key factors.
| Allstate | $3,763 |
| State Farm | $3,892 |
| Chubb | $4,133 |
| Auto-Owners Insurance | $5,624 |
| Nationwide | $5,625 |
| Foremost Insurance | $8,452 |
| Travelers | $9,064 |
In Columbia, Chubb is the cheapest option for new homes requiring $100,000 in dwelling coverage.
Chubb offers affordable rates with excellent customer service and low insurance costs.
| Chubb | $381 |
| Nationwide | $464 |
| Allstate | $501 |
| State Farm | $552 |
| Foremost Insurance | $671 |
| Travelers | $1,078 |
| Auto-Owners Insurance | $1,164 |
The best cheap homeowners insurance providers balance quality and cost with great customer service and affordable premiums. Your best option depends on your needs. Consider factors like coverage, customer service and deductibles. Follow these steps to find the best cheap home insurance:
Determine how much home insurance coverage you need by considering rebuilding costs, personal property value and liability needs for your house.
Research insurance companies operating in Columbia. Focus on those with strong financial ratings, positive customer feedback and reliable service history.
Compare home insurance quotes. In Columbia, average annual premiums for $100,000 dwelling coverage range from $474 with Chubb to $3,034 with Travelers.
Ask each insurer about discounts for bundling policies, adding safety features or maintaining a claims-free record.
A higher home insurance deductible reduces your premium, but make sure the amount is manageable if you file a claim.
Home security systems and sturdy locks lower your risk profile and decrease insurance costs.
Your credit score influences your insurance rates. Pay bills on time and minimize outstanding debt.
Bundle your homeowners insurance with other policies like auto insurance for discounts and savings.
The best cheap home insurance provider for you depends on how much coverage you need and how much you can spend. Get answers to some common questions about the best cheap insurance rates in Columbia.
The average home insurance cost in Columbia is $965.
The cheapest home insurance company in Columbia is Chubb, with an average annual premium of $474.
Chubb provides the best home insurance in South Carolina for Columbia residents, with a MoneyGeek score of 99 out of 100.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
