How Can I Make My Charleston, SC Home Insurance Cheaper
Gavop's guide to buying homeowners insurance in Charleston, 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.
Compare Quotes from Top Providers and Save now!
Estimate Appropriate Charleston, SC Home Insurance Coverage Levels | Back to Top
| Charleston, SC - Neighbourhoods, Census Blocks & Streets | 3 Bedroom | 2 Bedroom | ||||
|---|---|---|---|---|---|---|
| Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | |
| Guerin Landing Rd, Hillridge Rd, Panther Ave, Ferry Point Dr, Cainhoy Landing Ln, Dalton St, Brown Pelican Dr, Cainhoy Village Rd, Thrower St, Hattie Cir | $164,000 | $140,000 | $150,000-$175,000 | $217,500 | $190,000 | $200,000-$250,000 |
| Boat Dock Ct, Bulline St, Beckon St, Beresford Woods Ln, Center Park St, Frost Ln, Fogarty Ln, Ashby Dr, Barfield St, Pierce St | $407,500 | $380,000 | $300,000-$350,000 | $434,500 | $360,000 | $400,000-$500,000 |
| Halfway Creek Rd, Roundhouse Ln, Shadow Mist Ln, Delahow St, Lost Way, Clements Ferry Rd, S Hampton Rd, Privateer Ln, Josie Ln, Postal Crescent Ct | $249,500 | $220,000 | $200,000-$250,000 | $215,500 | $180,000 | $175,000-$200,000 |
| Richardson Corner Ln, Stafford Ln, Lucia St, Peninsula Cove Dr, Circle Oaks Dr, Hartlock Ln, Thrift Ln, Old Hagan Ave, Hwy 98, Clements Ferry Rd | $275,000 | $250,000 | $300,000-$350,000 | $158,500 | $130,000 | $175,000-$200,000 |
| Hendorrich Trl, Wando Creek Ln, State Rd S-8-33, Cattle St, Brandam Ln, State Rd S-8-913, Nassau Trl, Harvest Time Pl, Old Brick Ln, Sailmaker St | $416,000 | $360,000 | $400,000-$500,000 | $260,500 | $230,000 | $250,000-$300,000 |
Estimate your Savings with Home Insurance Discounts in Charleston, SC | Back to Top
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$250 | $1,139 |
| Superior Protection Discount | -$125 | $1,265 |
| Fire & Security Discount | -$139 | $1,251 |
| Hail Resistant Roof Discount | -$42 | $1,348 |
| Newly Constructed Home Discount | -$278 | $1,112 |
Choose the Right Deductible for your Charleston, 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 |
| Berkeley County | $1,000 | $987 | $1,987 | $717 | $1,717 | $270 |
| Charleston, SC | $2,500 | $1,373 | $3,873 | $998 | $3,498 | $375 |
| North Charleston, SC | $500 | $975 | $1,475 | $709 | $1,209 | $266 |
| Kiawah Island, SC | $700 | $759 | $1,459 | $552 | $1,252 | $208 |
| Ladson, SC | $200 | $772 | $972 | $561 | $761 | $211 |
| Sangaree, SC | $1,500 | $756 | $2,256 | $549 | $2,049 | $207 |
| Edisto Island, SC | $400 | $1,228 | $1,628 | $892 | $1,292 | $336 |
| Berkeley County, SC | $700 | $987 | $1,687 | $717 | $1,417 | $270 |
| Cordesville, SC | $200 | $764 | $964 | $555 | $755 | $209 |
| St. Stephen, SC | $2,500 | $606 | $3,106 | $440 | $2,940 | $165 |
| Reevesville, SC | $500 | $652 | $1,152 | $474 | $974 | $178 |
| Lane, SC | $2,000 | $368 | $2,368 | $267 | $2,267 | $100 |
Identify Top Home Insurance Agents near Charleston, SC | Back to Top
| Home Insurance Company Charleston, SC | Homeowners Insurance Agency Charleston, SC | Address | Popularity Score | Distance from Charleston (miles) |
|---|---|---|---|---|
| State Farm | Stiles Bee Iv | 1000 Tanner Ford Blvd Ste 110, Hanahan, SC, 29410-4709 | 8.3 | |
| State Farm | Emily Laplante | 3575 Maybank Hwy Ste H, Johns Island, SC, 29455-4871 | 9.7 | |
| State Farm | Tony Pope | 1661 N Main St, Summerville, SC, 29483-7870 | 18.5 | |
| State Farm | Gail Williamson | 1715 Rittenbrg Blvd, Charleston, SC, 29407-4924 | 3.3 | |
| Travelers | The Brinson Agency | 759 Folly Rd Ste C, Charleston, SC, 29412 | 5.3 | |
| Travelers | Absolute Insurance Agency Llc | 435 Old Trolley Rd, Summerville, SC, 29485 | 17.1 | |
| State Farm | Nick Wagner | 2408 Ashley River Rd Unit E, Charleston, SC, 29414-4619 | 4.7 | |
| Travelers | Freedom Tax & Insurance | 1455 Remount Rd, North Charleston, SC, 29406 | 6.2 | |
| Allstate | Kevin Shealy | 781 Saint Andrews Blvd, Charleston, SC, 29407 | 2.5 | |
| Travelers | Bees Ferry Insurance Agency | 2544 Ashley River Rd Ste A, Charleston, SC, 29414 | 5.1 |
Compare Rates for Charleston, 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 | $670 | $1,400 | $730 |
| Berkeley County, SC | $164,900 | $999 | $670 | $1,380 | $710 |
| Charleston, SC | $286,200 | $1,390 | $1,010 | $1,920 | $910 |
| North Charleston, SC | $155,900 | $987 | $720 | $1,410 | $690 |
| Kiawah Island, SC | $1,382,200 | $769 | $560 | $1,070 | $510 |
| Ladson, SC | $138,000 | $781 | $560 | $1,100 | $540 |
| Sangaree, SC | $134,700 | $765 | $540 | $1,060 | $520 |
| Edisto Island, SC | $201,900 | $1,243 | $880 | $1,770 | $890 |
| Berkeley County, SC | $164,900 | $999 | $720 | $1,420 | $700 |
| Cordesville, SC | $112,200 | $773 | $530 | $1,110 | $580 |
| St. Stephen, SC | $95,500 | $613 | $440 | $860 | $420 |
| Reevesville, SC | $95,600 | $660 | $470 | $940 | $470 |
| Lane, SC | $58,500 | $372 | $250 | $510 | $260 |
Research Home Insurance Companies Reviews in Charleston, SC Before Buying | Back to Top
Share a review on your home insurance company
State Farm Home Insurance Reviews
Date: April 06, 2019 Age: 30 to 39 Gender: Male Marital Status: Married
Premium
My home insurance premium and deducible are quite a bit more expensive than other home insurance policies which cover homes in my area.
Date: September 21, 2018 Age: 20 to 29 Gender: Male Marital Status: Married
Policy Offerings
The good thing about our insurance company is that it covers actual loss, not the estimated value this is really important when you incur a major loss you get the actual value not a depreciated value
Date: September 16, 2018 Age: 20 to 29 Gender: Female Marital Status: Unmarried
Policy Offerings
It covers the home (outside) any dwelling or fence in the yard, decks, patio addition and also comes with a liability insurance for dog attacks. They included the (inside) furniture and valuables as well in our policy
Date: September 13, 2018 Age: 40 to 49 Gender: Female Marital Status: Married
Communication
No problems my agent is always willing to help if I have questions or concerns. I have never had a negative experience with State Farm
Date: August 17, 2018 Age: 20 to 29 Gender: Female Marital Status: Married
Customer Service
So far I've never stepped foot in an SF office. I was able to do everything over the phone or internet in the last 8 years. They have a hotline for after hours which I used before and my actual office will follow up with me the next day.
Date: August 06, 2018 Age: 30 to 39 Gender: Female Marital Status: Unmarried
Customer Service
I have never had an issue with the customer service part of my sins. My agent whom I have had for almost 30 years always helps when I have a question
Date: August 06, 2018 Age: 50 to 59 Gender: Female Marital Status: Married
Premium
I heard that our premium is one of the lowest for the houses in our neighborhood. Neighbors pay a lot more for smaller houses. I don't know why that is the case but some pay more than double according to our mortgage company
Date: July 29, 2018 Age: 50 to 59 Gender: Female Marital Status: Married
Website/App
You have to go through several pages from the main page to your agent's page to police pages just to pay your bill. I don't like that
Date: July 28, 2018 Age: 30 to 39 Gender: Male Marital Status: Married
Communication
The interaction is great so far, I've never had a claim with my homeowner insurance but if they handle it as well as car related things I couldn't complain at all. The only thing that is a little annoying is the upsell part as soon as you call the agent.
Date: March 13, 2018 Age: 30 to 39 Gender: Female Marital Status: Married
Website/App
It's easy to navigate since I have all insurances with state farm I can not only see the status of my home/car policy but can make changes and see how it affects the premium we pay. It also keeps a record of my insurance cards/policies so they're easy to find.
Date: November 19, 2017 Age: 30 to 39 Gender: Male Marital Status: Married
Premium
I am not sure about the premium I have a friend who is an agent from another company when I have inquired about switching sue jas told me not to because most companies do not sell actual loss policies so to stick with what I have
Allstate Home Insurance Reviews
Date: August 14, 2019 Age: 30 to 39 Gender: Female Marital Status: Unmarried
Customer Service
I would rate the customer service of my home insurance company as a 3. This is simply because I have had very little interaction with them since I purchased my home. I have not had to make any claims.
Date: February 10, 2019 Age: 20 to 29 Gender: Female Marital Status: Unmarried
Policy Offerings
I have always been able to get the best rates with this insurance company- I've compared across other companies for the same offerings, and this offers the best bang for my buck!
Date: December 08, 2018 Age: 20 to 29 Gender: Male Marital Status: Married
Policy Offerings
I think the policy offerings are good. They're what we need as homeowners, and with bundling home and auto we haven't been able to find a better price.
Date: October 24, 2018 Age: 30 to 39 Gender: Male Marital Status: Married
Website/App
The company's website doesn't look very friendly at all. It looks like your mostly standard corporate website that most company's have.
Date: August 25, 2018 Age: 40 to 49 Gender: Male Marital Status: Married
Customer Service
I really like the customer service that gives priority to the customer and satisfies him in the information he requires, the times he requested me and the service they have served me very well and in a very adduced and accurate way
Date: August 17, 2018 Age: 40 to 49 Gender: Female Marital Status: Unmarried
Website/App
I really like the page of the company that offers great information, which is for all the clients that have the intention of getting an insurance for the home, I really feel very happy
Date: August 06, 2018 Age: 50 to 59 Gender: Female Marital Status: Married
Communication
the interaction with the company is usually very instructive and interesting, from the time it was until everything was an informative and capacitative process, that is, a very agreeable process, I feel very satisfied with everything
Date: January 11, 2018 Age: 30 to 39 Gender: Female Marital Status: Married
Policy Offerings
good usually covers many items in my home, among these items, are everything that is inside my houses such as kitchen utensils and the living room
Date: January 03, 2018 Age: 20 to 29 Gender: Female Marital Status: Unmarried
Premium
well I think there are different forms of premium relationship since some benefit more customers and others offer fewer benefits, there are premiums that do not satisfy the clientele, everything depends on what the insurance offers, I think that the ones offered by my insurance are the best given the comparison
MetLife Home Insurance Reviews
Date: September 16, 2018 Age: 20 to 29 Gender: Female Marital Status: Married
Communication
their Interaction was very nice and gentle they always watch customers timings and what they needs.
nothing is dislikable with that
Date: May 31, 2018 Age: 30 to 39 Gender: Female Marital Status: Unmarried
Policy Offerings
Customizable coverage offers peace of mind in the event of tornadoes, hail, fire, theft, vandalism, and more. we can even replace the contents in our home??ithout deduction for depreciation??f we ever experience a loss.
Additional features available that will pay the full cost to rebuild our home if necessary, even if it?? more than the amount for which our home was insured. Liability coverage ensures that if sued from a mishap on your property, your legal fees are covered.
Identity Protection Services are included with every policy
Date: November 18, 2017 Age: 20 to 29 Gender: Female Marital Status: Unmarried
Premium
In the same coverage plans comparing with other its very low cost
GEICO Home Insurance Reviews
Date: September 11, 2019 Age: 50 to 59 Gender: Male Marital Status: Unmarried
Policy Offerings
They offer pretty much what every other insurance company offers. There is nothing that stands out in terms of anything out of the ordinary that they offer.
Date: January 10, 2019 Age: 20 to 29 Gender: Male Marital Status: Married
Policy Offerings
GEICO is always awesome when it comes to incentives to stay with the company. Just with my last renewal they offered me five hundred off if I paid for my new policy in full and that was pretty cool.
Liberty Mutual Home Insurance Reviews
Date: November 23, 2018 Age: 30 to 39 Gender: Female Marital Status: Unmarried
Customer Service
So far I have had a decent experience with liberty mutual. However, my experience is limited as I have not had to file a claim with them and that is usually when you run into problems. My agent was helpful in setting me up with the right coverage for me.
Travelers Home Insurance Reviews
Date: December 23, 2018 Age: 40 to 49 Gender: Male Marital Status: Married
Policy Offerings
My home insurance protects me if I get water damage from my sump pump breaking. This peace of mind is very important
Farmer's Insurance Home Insurance Reviews
Date: January 02, 2019 Age: 30 to 39 Gender: Male Marital Status: Unmarried
Policy Offerings
Compared to other companies they provide basically the same offerings with a couple of exceptions that I either don't need or am not interested in.