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.
Compare Quotes from Top Providers and Save now!
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
| 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.
Safeco Insurance Home Insurance Reviews
Date: December 22, 2019 Age: 30 to 39 Gender: Female Marital Status: Unmarried
Policy Offerings
Its affordable and I could pay the whole year upfront.
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.
Progressive Home Insurance Reviews
Date: January 12, 2020 Age: 30 to 39 Gender: Female Marital Status: Married
Customer Service
Highly satisfied with this company's customer service. Directed to a live op every time. Everything I have ever called in for has been handled in a prompt and kindly manner .