Columbia has 139,643 residents in 53,076 households. We list 12 agencies for home insurance in Columbia. Here is what the local numbers say about the cover people here need.

Columbia at a glance

12home insurance agencies listed
54.5%of households rentRenters insurance
$264,300median home valueHome insurance
1980median year homes were builtRebuild cost calculator
11.5%of households have no carAuto insurance

Population and housing figures: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates. Agency count: our listings.

Natural hazard risk in Richland County

FEMA rates the overall natural hazard risk in Richland County, where most Columbia agencies we list are located, as Relatively Moderate compared with other U.S. counties. The hazards it rates highest:

Ice stormVery High
LightningRelatively High
Fire and lightning are standard covered causes of loss on home policies.
Home insurance in Columbia
Strong windRelatively High
Some insurers exclude windstorm and hail from the main home policy or set a separate deductible for them. Ask the agent which applies.
Home insurance in Columbia
TornadoRelatively High
Tornado damage is wind damage. Ask whether a policy includes windstorm cover and what its wind deductible is.
Home insurance in Columbia
Inland floodingRelatively High
Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.
Flood insurance

Source: FEMA National Risk Index, December 2025 release. Ratings compare each county with all other U.S. counties.

Insurance companies Columbia agencies work with

Of the 12 Columbia agencies whose appointments we hold, how many are appointed with each company. An appointed agency can quote and sell that company’s policies.

Travelers5 agencies
Chubb4 agencies
The Hartford4 agencies
Travelers (Standard Fire)4 agencies
Chubb (ACE)3 agencies
Progressive3 agencies
American Modern2 agencies
Employers2 agencies
Great American2 agencies
Liberty Mutual (Safeco)2 agencies

Source: insurance company appointments in state records, as listed on each agency’s profile.

Where Columbia agencies are

Columbia agencies we list sit in 5 ZIP codes, mostly in Richland County.

292016 agencies
292042 agencies
292062 agencies
292101 agency
292231 agency

Questions

Home insurance in Columbia

All insurance agencies in Columbia · Home insurance across South Carolina

Where can I find home insurance in Columbia?

Browse the agencies on this page, search by name, or pick the insurance you need in the filters to see only the agencies that offer it.

What does home insurance cover?

Covers your building, your contents and your liability as a homeowner.

Which insurance companies do Columbia agencies work with?

Among the 12 Columbia agencies whose appointments we hold, the companies they are most often appointed with are Travelers (5), Chubb (4), The Hartford (4), Travelers (Standard Fire) (4), Chubb (ACE) (3). An appointed agency can quote that company's policies.

Do I need flood insurance in Columbia?

FEMA's National Risk Index rates inland flooding risk in Richland County as Relatively High compared with other U.S. counties. Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.

How do I choose an agency?

Call two or three. Ask which companies they can quote for you, how they handle claims, and who you will deal with after you buy. An independent agency can compare several insurers in one call.

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