ZIP 29828 Insurance Data

Data Snapshot: ZIP 29828 (Gloverville, SC)

ZIP 29828 (Gloverville, SC) shows an average homeowners insurance premium of $1,097 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 574 reported policies. That is 38% below the national average of $1,776 per year, placing this ZIP in the 15th percentile nationally. Compared to the South Carolina state average of $1,765, this ZIP runs 38% below, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 29828 is 7.0%, meaning insurers retained a working margin after claims. Claim frequency — the share of policies with at least one claim — is 1.60%, and the average claim severity (amount paid per claim) is $4,833.

Across 5 years (2018–2022), premiums in ZIP 29828 have risen by 12.2%, ranging from $978 to $1,097 with a five-year average of $1,052 — an annualized rate of +2.9% per year. FIO data aggregates voluntary reporting from the 40 largest homeowners insurers, covering roughly 80% of the U.S. market, so figures represent market averages rather than individual policy quotes; your own premium will vary with dwelling value, deductible, coverage limits, construction type, and insurer-specific underwriting. This page is educational research only and is not insurance advice — homeowners should request quotes from multiple licensed carriers or an independent agent before purchasing or renewing coverage.