How Can I Make My Hilton Head Island, SC Home Insurance Cheaper

Gavop shows you how to buy homeowners insurance in Hilton Head Island, SC by estimating coverage, choosing the right deductible, contacting the best agents, understanding claim requirements, comparing cheap rates, using discount options and reading reviews.

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Select the Suitable Coverage Value for your Hilton Head Island, SC Home | Back to Top

Bedrooms Average Home Value Estimated Replacement Value Recommended Home Insurance Coverage
1 Bedroom $136,000 $130,000 $100,000-$125,000
2 Bedroom $306,000 $290,000 $300,000-$350,000
3 Bedroom $497,000 $470,000 $500,000-$600,000
4 Bedroom $538,000 $500,000 $500,000-$600,000
5 Bedroom $1,173,500 $980,000 More than 10,000,000

Estimate your Savings with Home Insurance Discounts in Hilton Head Island, SC | Back to Top

Type Discount ($) Premium After Discount ($)
Multipolicy Discount -$216 $1,224
Superior Protection Discount -$130 $1,310
Fire & Security Discount -$144 $1,296
Hail Resistant Roof Discount -$29 $1,411
Newly Constructed Home Discount -$317 $1,123

Choose the Right Deductible for your Hilton Head Island, SC Home | Back to Top

Low Deductible ($500) High Deductible ($2500)
Place Example Claim Amount Yearly Premium Total Yearly Cost Yearly Premium Total Yearly Cost Net Savings for High Deductible Plan
Beaufort County $1,000 $1,367 $2,367 $993 $1,993 $373
Hilton Head Island, SC $1,500 $1,422 $2,922 $1,034 $2,534 $389
Port Royal, SC $400 $901 $1,301 $654 $1,054 $246
Beaufort-Port Royal, SC $1,500 $1,041 $2,541 $757 $2,257 $285
Burton, SC $200 $694 $894 $504 $704 $190
Vernonburg, GA $700 $559 $1,259 $406 $1,106 $153
Edisto Beach, SC $500 $1,806 $2,306 $1,313 $1,813 $494
Grays-Tillman, SC $2,000 $646 $2,646 $469 $2,469 $177
Seabrook Island, SC $200 $2,480 $2,680 $1,802 $2,002 $678
Furman, SC $2,500 $277 $2,777 $201 $2,701 $76
Shawnee, GA $300 $826 $1,126 $600 $900 $226
Liberty County, GA $1,500 $818 $2,318 $595 $2,095 $224

Identify Top Home Insurance Agents near Hilton Head Island, SC | Back to Top

Home Insurance Company Hilton Head Island, SC Homeowners Insurance Agency Hilton Head Island, SC Address Popularity Score Distance from Hilton Head Island (miles)
Travelers Kinghorn Insurance Agency Of Beaufort 910 Carteret St, Beaufort, SC, 29902
18.4
Allstate Kinghorn Beaufort Po Box 1088, Beaufort, SC, 29901
17.9
Allstate Patrick Cunningham 255 Drivers Way, Hardeeville, SC, 29927
17.7
State Farm John Mallett 15 Mallett Way, Bluffton, SC, 29910-6064
10.1
Allstate Stephen Helwig 42 New Orleans Rd Ste 100, Hilton Head Island, SC, 29928
2.4
State Farm Abbi Keen 149 Riverwalk Blvd Ste 10, Ridgeland, SC, 29936-8191
15.9
State Farm Amy Bowman 1284 Ribaut Rd, Beaufort, SC, 29902-6143
15.8
Travelers Pc & L Agency Inc 12 Lafayette Pl Ste C, Hilton Head, SC, 29926
2.6
Liberty Mutual Independent Beacon Insurance Group Inc 60 Pennington Dr, Bluffton, SC, 29910
9.9
Travelers Southern Choice Insurance Group 225 Drivers Way, Hardeeville, SC, 29927
17.8

Compare Rates for Hilton Head Island, SC Home Insurance Providers | Back to Top

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Place Typical Home Value Typical Home Insurance Costs 25th Percentile 75th Percentile Potential Savings & Difference between 25th & 75th Percentile
South Carolina $148,600 $989 $660 $1,390 $730
Beaufort County, SC $283,800 $1,383 $980 $1,950 $970
Hilton Head Island, SC $459,000 $1,440 $1,040 $2,040 $1,000
Port Royal, SC $211,500 $911 $670 $1,290 $620
Beaufort-Port Royal, SC $161,000 $1,054 $760 $1,500 $740
Burton, SC $122,200 $702 $470 $960 $490
Vernonburg, GA $833,300 $566 $380 $810 $430
Edisto Beach, SC $378,000 $1,828 $1,330 $2,600 $1,270
Grays-Tillman, SC $101,700 $654 $440 $930 $490
Seabrook Island, SC $629,200 $2,510 $1,710 $3,490 $1,780
Furman, SC $47,900 $280 $200 $400 $200
Shawnee, GA $116,800 $836 $610 $1,180 $570
Liberty County, GA $120,500 $828 $560 $1,130 $570

Research Home Insurance Companies Reviews in Hilton Head Island, SC Before Buying | Back to Top

Share a review on your home insurance company


Farmer's Insurance Home Insurance Reviews

Date: July 09, 2019    Age: 30 to 39    Gender: Female    Marital Status: Married

Policy Offerings
Only insurance company we have ever dealt with in the 11 years we have owned our home.


Date: May 23, 2019    Age: 40 to 49    Gender: Unmarried    Marital Status: Male

Customer Service
The home insurance was good. They gave very good coverage on deductible and also cover with many other options available to the customer.

Liberty Mutual Home Insurance Reviews

Date: October 14, 2019    Age: 40 to 49    Gender: Female    Marital Status: Married

Customer Service
Yes, Liberty Mutual Insurance Is Expensive.Liberty Mutual Insurance sure isn't the cheapest deal. ... In fact, spending more on your insurance policy can actually save you money in the long run.

State Farm Home Insurance Reviews

Date: June 18, 2019    Age: 30 to 39    Gender: Unmarried    Marital Status: Male

Premium
My premium and deductible is very good with State Farm Insurance. They were offering one of the lowest payments for insurance.

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