Gavop's guide to buying homeowners insurance in Ridgeland, 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.
| Ridgeland, 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 | |
| Moultrie Plantation, Powell Oak Dr, Battle Cut Rd, 174 Spr, Grays Hwy, Miller, 128, W Woodlawn St, Taylor Mill Rd, 123 | $153,500 | $140,000 | $150,000-$175,000 | $114,000 | $100,000 | $125,000-$150,000 |
| Graveled Rd, Carolina Wren Dr, 29, Captain Bill Rd, 462, 1st Ave, Nickle Plate Rd, Forest St, Smiths Xing Rd, Sunset Ave | $145,500 | $120,000 | $150,000-$175,000 | $81,500 | $70,000 | $75,000-$100,000 |
| 139, 274, Ingram Ln, W Main St, Ellis Hogdes Rd, 19, Tickton Hall Rd, Dawsons, Winsor Park Rd, Chickadee St | $95,500 | $80,000 | $75,000-$100,000 | $101,500 | $90,000 | $75,000-$100,000 |
| Rabbit Cleland Rd, 262, Otis Cannick Dr, Glover Rd, Alexander Rd, Whispering Pines Ln, Honey Hill Cir, 101, 45, Frontage Rd | $81,000 | $70,000 | $50,000-$75,000 | $95,500 | $90,000 | $75,000-$100,000 |
| Courtney Ln, Tammy Dr, N Green St, S27-320, Mid Way Cir, Fordville Rd, Glover Plantation Rd, Bailey Ln, Club Rd, Hagin Dr | $170,000 | $150,000 | $175,000-$200,000 | $84,500 | $80,000 | $50,000-$75,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$138 | $725 |
| Superior Protection Discount | -$86 | $776 |
| Fire & Security Discount | -$78 | $785 |
| Hail Resistant Roof Discount | -$26 | $837 |
| Newly Constructed Home Discount | -$224 | $638 |
| 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 |
| Jasper County | $700 | $737 | $1,437 | $536 | $1,236 | $201 |
| Ridgeland, SC | $700 | $852 | $1,552 | $619 | $1,319 | $233 |
| Hardeeville, SC | $200 | $768 | $968 | $558 | $758 | $210 |
| Oliver, GA | $700 | $504 | $1,204 | $366 | $1,066 | $138 |
| Edisto Beach, SC | $400 | $1,806 | $2,206 | $1,313 | $1,713 | $494 |
| Edisto Island, SC | $1,500 | $1,228 | $2,728 | $892 | $2,392 | $336 |
| Skidaway Island, GA | $300 | $1,105 | $1,405 | $803 | $1,103 | $302 |
| Seabrook Island, SC | $2,000 | $2,480 | $4,480 | $1,802 | $3,802 | $678 |
| Ehrhardt, SC | $100 | $496 | $596 | $360 | $460 | $136 |
| Ulmer, SC | $2,000 | $339 | $2,339 | $246 | $2,246 | $93 |
| Bulloch County, GA | $400 | $856 | $1,256 | $622 | $1,022 | $234 |
| Kiawah Island-Seabrook Island, SC | $1,000 | $2,819 | $3,819 | $2,048 | $3,048 | $770 |
| Home Insurance Company Ridgeland, SC | Homeowners Insurance Agency Ridgeland, SC | Address | Popularity Score | Distance from Ridgeland (miles) |
|---|---|---|---|---|
| Travelers | Kinghorn Insurance Agency Of Beaufort | 910 Carteret St, Beaufort, SC, 29902 | 15.4 | |
| Allstate | Patrick Cunningham | 255 Drivers Way, Hardeeville, SC, 29927 | 12.1 | |
| State Farm | John Mallett | 15 Mallett Way, Bluffton, SC, 29910-6064 | 15.4 | |
| State Farm | Tommy Rhodes | 10840 N Jacb Smrt Blvd, Ridgeland, SC, 29936-2707 | 3.0 | |
| Travelers | Agency One | 23594 Whyte Hardee Blvd, Hardeeville, SC, 29927 | 15.9 | |
| Travelers | Statewide Insurance Group | 134 B Lady' S Island Dr, Beaufort, SC, 29907 | 12.8 | |
| State Farm | Abbi Keen | 149 Riverwalk Blvd Ste 10, Ridgeland, SC, 29936-8191 | 11.2 | |
| State Farm | Amy Bowman | 1284 Ribaut Rd, Beaufort, SC, 29902-6143 | 15.2 | |
| Travelers | Statewide Insurance Group | 134 Ladys Island Dr Ste B, Beaufort, SC, 29907 | 16.6 | |
| Travelers | Iii-Mckenna Agency Inc | 660 Mlk Jr Blvd, Estill, SC, 29918 | 26.1 |
| 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 |
| Jasper County, SC | $130,700 | $746 | $540 | $1,030 | $490 |
| Ridgeland, SC | $155,700 | $863 | $590 | $1,190 | $600 |
| Hardeeville, SC | $137,100 | $777 | $550 | $1,080 | $530 |
| Oliver, GA | $64,000 | $510 | $370 | $700 | $330 |
| Edisto Beach, SC | $378,000 | $1,828 | $1,330 | $2,500 | $1,170 |
| Edisto Island, SC | $201,900 | $1,243 | $890 | $1,720 | $830 |
| Skidaway Island, GA | $474,200 | $1,118 | $770 | $1,530 | $760 |
| Seabrook Island, SC | $629,200 | $2,510 | $1,780 | $3,540 | $1,760 |
| Ehrhardt, SC | $74,400 | $502 | $350 | $700 | $350 |
| Ulmer, SC | $55,000 | $343 | $250 | $470 | $220 |
| Bulloch County, GA | $131,200 | $867 | $590 | $1,200 | $610 |
| Kiawah Island-Seabrook Island, SC | $861,500 | $2,853 | $2,050 | $3,910 | $1,860 |