Gavop's guide to buying homeowners insurance in St. Helena Island, 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.
| St. Helena Island, SC - Neighbourhoods, Census Blocks & Streets | 3 Bedroom | 4 Bedroom | ||||
|---|---|---|---|---|---|---|
| Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | |
| Saltwind Dr, Miller Dr E, Hudson Dr, Bermuda Downs, Big Dataw Point Dr, Rosetta Dr, State Rd S-7-535, Rosie Singleton Dr, Laughing Gull Dr, Flora Cir | $350,000 | $290,000 | $250,000-$300,000 | $482,000 | $420,000 | $400,000-$500,000 |
| Partridge Cir, Amberjack Rd, Cee Cee Rd, Chickadee Ln, Sparkleberry Ln, Well House Rd, Periwincle Ct, Long Pond Dr, Wiggins Rd, Dowitcher Ct | $300,500 | $270,000 | $350,000-$400,000 | $331,000 | $270,000 | $300,000-$350,000 |
| State Rd S-7-185, Red Drum S, Sams Point Rd, Telfair Dr, Logeorge Ln, Homestead Dr, Green Winged Teal Dr S, Star Magnolia Dr, Dataw Club Rd, Escamacu Cir | $344,000 | $300,000 | $250,000-$300,000 | $479,000 | $400,000 | $400,000-$500,000 |
| State Rd S-7-675, Deer Lake Dr, Celadon Dr, Malilly Run Rd, Cedar Crest Cir, Buck Rd, Cottage Walk Cir, Gray Mallard, State Rd S-7-429, Lake Ct | $263,000 | $220,000 | $200,000-$250,000 | $499,500 | $420,000 | $400,000-$500,000 |
| Waterside Dr, Logan Ln, Ferguson Dr, Daisy Ln, Gordon Ln, Beacon Dr, State Rd S-7-579, Varsity St, Deer Run Rd, Tomtom Trl | $238,500 | $200,000 | $250,000-$300,000 | $533,000 | $470,000 | $400,000-$500,000 |
| Sweet Olive Dr, Jo Capers Rd, Sweet Grass Dr, Water Oak Ct, Joey Dobbs Rd, Sherwood Ln, Holly Hall Rd, Perry Rd, Meadowlark St, Cove Rd | $436,000 | $380,000 | $400,000-$500,000 | $695,500 | $580,000 | $700,000-$800,000 |
| State Rd S-7-510, State Rd S-7-254, Summerfield Ct, Frances Ct, Peytons Way, Egret Ct, Rosa Cove Ln, State Rd S-7-666, Bridgett Ln, Flora Ct | $215,500 | $200,000 | $250,000-$300,000 | $430,000 | $360,000 | $400,000-$500,000 |
| Todd Hall, Lands End Woodland Bch, Ernest Dr, State Rd S-7-661, Marshall Ln, Dowitcher Ct, Island Cir W, Attaway Ln, Stellata Ln, Salicornia Dr | $388,000 | $360,000 | $400,000-$500,000 | $375,000 | $300,000 | $400,000-$500,000 |
| Cuffy Rd, N Reeve Rd, Victory Dr, Deerfield Ct, Celadon Dr, Yellow Perch Rd, Snowy Egret Cir, Martha Ann Way, Samuel Ln, Pelican Cv | $281,000 | $260,000 | $300,000-$350,000 | $602,000 | $500,000 | $700,000-$800,000 |
| Seaside Rd, Henry Holmes Dr, Gator Ln, Alfred Alston Ct, State Rd S-7-74, Campground Rd, Wallace Rd, No Man Land Rd, Hunters Grove Rd, Sunset Blvd | $146,000 | $130,000 | $150,000-$175,000 | $149,500 | $130,000 | $150,000-$175,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$174 | $795 |
| Superior Protection Discount | -$87 | $882 |
| Fire & Security Discount | -$107 | $862 |
| Hail Resistant Roof Discount | -$19 | $950 |
| Newly Constructed Home Discount | -$262 | $707 |
| 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 | $1,500 | $1,367 | $2,867 | $993 | $2,493 | $373 |
| St. Helena Island, SC | $2,500 | $957 | $3,457 | $696 | $3,196 | $262 |
| Wadmalaw Island, SC | $200 | $1,549 | $1,749 | $1,126 | $1,326 | $423 |
| Folly Beach, SC | $700 | $2,374 | $3,074 | $1,725 | $2,425 | $649 |
| Port Wentworth, GA | $400 | $803 | $1,203 | $583 | $983 | $219 |
| Montgomery, GA | $2,500 | $966 | $3,466 | $702 | $3,202 | $264 |
| Garden City, GA | $200 | $707 | $907 | $514 | $714 | $193 |
| James Island, SC | $2,500 | $992 | $3,492 | $721 | $3,221 | $271 |
| Summerville, SC | $400 | $1,084 | $1,484 | $788 | $1,188 | $296 |
| Henderson, GA | $2,500 | $1,018 | $3,518 | $740 | $3,240 | $278 |
| Lincolnville, SC | $400 | $796 | $1,196 | $579 | $979 | $218 |
| Home Insurance Company St. Helena Island, SC | Homeowners Insurance Agency St. Helena Island, SC | Address | Popularity Score | Distance from St. Helena Island (miles) |
|---|---|---|---|---|
| Travelers | Kinghorn Insurance Agency Of Beaufort | 910 Carteret St, Beaufort, SC, 29902 | 9.1 | |
| Allstate | Kinghorn Beaufort | Po Box 1088, Beaufort, SC, 29901 | 8.9 | |
| State Farm | Gail Williamson | 1715 Rittenbrg Blvd, Charleston, SC, 29407-4924 | 43.0 | |
| Allstate | Sandra Rabon | 9500 Dorchester Rd Ste 204, Summerville, SC, 29485 | 45.6 | |
| State Farm | John Acker | 630 Skylark Drive Suite O, Charleston, SC, 29407-1718 | 41.7 | |
| State Farm | Troy Herndon | 1711 Savannah Hwy, Charleston, SC, 29407-6200 | 42.1 | |
| Allstate | Kevin Shealy | 781 Saint Andrews Blvd, Charleston, SC, 29407 | 43.5 | |
| Allstate | Stephen Helwig | 42 New Orleans Rd Ste 100, Hilton Head Island, SC, 29928 | 19.4 | |
| State Farm | Amy Bowman | 1284 Ribaut Rd, Beaufort, SC, 29902-6143 | 8.9 | |
| State Farm | Abbi Keen | 149 Riverwalk Blvd Ste 10, Ridgeland, SC, 29936-8191 | 23.4 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| South Carolina | $148,600 | $989 | $670 | $1,360 | $690 |
| Beaufort County, SC | $283,800 | $1,383 | $980 | $1,960 | $980 |
| St. Helena Island, SC | $232,600 | $969 | $700 | $1,390 | $690 |
| Wadmalaw Island, SC | $293,800 | $1,568 | $1,050 | $2,180 | $1,130 |
| Folly Beach, SC | $577,500 | $2,403 | $1,610 | $3,410 | $1,800 |
| Port Wentworth, GA | $201,600 | $813 | $590 | $1,130 | $540 |
| Montgomery, GA | $368,100 | $978 | $710 | $1,340 | $630 |
| Garden City, GA | $120,200 | $716 | $520 | $990 | $470 |
| James Island, SC | $283,500 | $1,004 | $730 | $1,430 | $700 |
| Summerville, SC | $187,400 | $1,097 | $740 | $1,500 | $760 |
| Henderson, GA | $163,700 | $1,030 | $700 | $1,460 | $760 |
| Lincolnville, SC | $117,400 | $806 | $550 | $1,110 | $560 |