Gavop's guide to buying homeowners insurance in Beaufort County, SC covers how to get the right coverage, optimize deductibles, identify the best agents, understand claim requirements, avail discount options, compare cheap quotes and research reviews.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $64,500 | $60,000 | $50,000-$75,000 |
| 2 Bedroom | $179,500 | $140,000 | $125,000-$150,000 |
| 3 Bedroom | $151,500 | $130,000 | $125,000-$150,000 |
| 4 Bedroom | $341,500 | $280,000 | $400,000-$500,000 |
| 5 Bedroom | $460,000 | $410,000 | $500,000-$600,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$194 | $1,190 |
| Superior Protection Discount | -$124 | $1,259 |
| Fire & Security Discount | -$124 | $1,259 |
| Hail Resistant Roof Discount | -$41 | $1,342 |
| Newly Constructed Home Discount | -$360 | $1,024 |
| 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 | $2,500 | $1,367 | $3,867 | $993 | $3,493 | $373 |
| Beaufort County, SC | $700 | $1,367 | $2,067 | $993 | $1,693 | $373 |
| Port Royal, SC | $200 | $901 | $1,101 | $654 | $854 | $246 |
| St. Helena Island, SC | $700 | $957 | $1,657 | $696 | $1,396 | $262 |
| Bluffton, SC | $200 | $1,367 | $1,567 | $993 | $1,193 | $373 |
| Green Pond, SC | $700 | $1,399 | $2,099 | $1,017 | $1,717 | $382 |
| Grays-Tillman, SC | $200 | $646 | $846 | $469 | $669 | $177 |
| Yemassee, SC | $2,500 | $501 | $3,001 | $364 | $2,864 | $137 |
| Whitemarsh Island, GA | $300 | $904 | $1,204 | $657 | $957 | $247 |
| Isle of Hope, GA | $2,000 | $1,394 | $3,394 | $1,013 | $3,013 | $381 |
| Seabrook Island, SC | $400 | $2,480 | $2,880 | $1,802 | $2,202 | $678 |
| Varnville, SC | $700 | $563 | $1,263 | $409 | $1,109 | $154 |
| Home Insurance Company Beaufort County, SC | Homeowners Insurance Agency Beaufort County, SC | Address | Popularity Score | Distance from Beaufort County (miles) |
|---|---|---|---|---|
| Travelers | Kinghorn Insurance Agency Of Beaufort | 910 Carteret St, Beaufort, SC, 29902 | 5.6 | |
| State Farm | Chelsea Heintz | 2600 Savannah Hwy Ste A, Charleston, SC, 29414-5327 | 47.6 | |
| Allstate | Kinghorn Beaufort | Po Box 1088, Beaufort, SC, 29901 | 5.2 | |
| State Farm | Gail Williamson | 1715 Rittenbrg Blvd, Charleston, SC, 29407-4924 | 50.0 | |
| Travelers | The Brinson Agency | 759 Folly Rd Ste C, Charleston, SC, 29412 | 49.7 | |
| State Farm | John Mallett | 15 Mallett Way, Bluffton, SC, 29910-6064 | 11.9 | |
| Travelers | Oak Insurance | 3439 Thorpe Constantine Ave, Johns Island, SC, 29455 | 43.9 | |
| Allstate | Stephen Helwig | 42 New Orleans Rd Ste 100, Hilton Head Island, SC, 29928 | 14.5 | |
| Travelers | Statewide Insurance Group | 134 B Lady' S Island Dr, Beaufort, SC, 29907 | 5.8 | |
| Travelers | Bees Ferry Insurance Agency | 2544 Ashley River Rd Ste A, Charleston, SC, 29414 | 49.8 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| South Carolina | $148,600 | $989 | $680 | $1,350 | $670 |
| Beaufort County, SC | $283,800 | $1,383 | $980 | $1,980 | $1,000 |
| Beaufort County, SC | $283,800 | $1,383 | $930 | $1,900 | $970 |
| Port Royal, SC | $211,500 | $911 | $610 | $1,250 | $640 |
| St. Helena Island, SC | $232,600 | $969 | $700 | $1,390 | $690 |
| Bluffton, SC | $284,000 | $1,383 | $940 | $1,960 | $1,020 |
| Green Pond, SC | $247,400 | $1,416 | $1,030 | $2,010 | $980 |
| Grays-Tillman, SC | $101,700 | $654 | $440 | $910 | $470 |
| Yemassee, SC | $75,000 | $507 | $340 | $700 | $360 |
| Whitemarsh Island, GA | $265,100 | $915 | $670 | $1,310 | $640 |
| Isle of Hope, GA | $319,400 | $1,411 | $960 | $1,990 | $1,030 |
| Seabrook Island, SC | $629,200 | $2,510 | $1,810 | $3,490 | $1,680 |
| Varnville, SC | $83,200 | $570 | $400 | $790 | $390 |