Gavop's guide to buying homeowners insurance in Johns 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.
| Johns Island, 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 | |
| Fern Hill Rd, Dry St, Wine Rd, Copperhead Trl, Edenvale Rd, Old Pond Rd, John Smalls Rd, Ravens Point Rd, Habitat Blvd, State Rd S-10-54 | $177,500 | $150,000 | $150,000-$175,000 | $152,000 | $140,000 | $125,000-$150,000 |
| Zachary George Ln, Roast Duck Ln, State Rd S-10-1957, Suzanne St, Shadow Pond Rd, Parkers Cemetery Rd, Burden Creek Rd Exd, Evans Rd, Sunnybrook Dr, Abundant Rd | $227,000 | $200,000 | $250,000-$300,000 | $162,000 | $140,000 | $150,000-$175,000 |
| Summertrees Blvd, Caroline Rose Path, Jacques Rd, Old Chisolm Rd, Canal Prism Rd, Conrad St, Hydrangea Trl, Four Paws Path, State Rd S-10-1334, Painswick Rd | $188,000 | $160,000 | $150,000-$175,000 | $128,500 | $110,000 | $125,000-$150,000 |
| Fred Farm Rd, Appaloosa Dr, Dunwick Dr, State Rd S-10-1153, Silverbell Ln, Hunters Oak Ln, Solom Rd, Royal Colony Rd, August Rd, State Rd S-10-1945 | $201,000 | $170,000 | $150,000-$175,000 | $143,500 | $120,000 | $150,000-$175,000 |
| Briars Creek Ln, Back Pen Rd, Donnelly Ln, Balmoral Rd, Harcher Rd, Gasque St, Joe Wright Rd, Hope Plantation Dr, Wild Plum Rd, Blackfish Rd | $203,500 | $180,000 | $200,000-$250,000 | $139,000 | $120,000 | $125,000-$150,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$197 | $841 |
| Superior Protection Discount | -$104 | $935 |
| Fire & Security Discount | -$114 | $924 |
| Hail Resistant Roof Discount | -$21 | $1,018 |
| Newly Constructed Home Discount | -$208 | $831 |
| 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 |
| Charleston County | $1,500 | $1,336 | $2,836 | $971 | $2,471 | $365 |
| Johns Island, SC | $1,500 | $1,026 | $2,526 | $746 | $2,246 | $280 |
| Folly Beach, SC | $400 | $2,374 | $2,774 | $1,725 | $2,125 | $649 |
| Wadmalaw Island, SC | $1,000 | $1,549 | $2,549 | $1,126 | $2,126 | $423 |
| Rockville, SC | $200 | $1,808 | $2,008 | $1,314 | $1,514 | $494 |
| Summerville, SC | $1,500 | $1,084 | $2,584 | $788 | $2,288 | $296 |
| Awendaw, SC | $300 | $1,045 | $1,345 | $760 | $1,060 | $286 |
| Pinopolis, SC | $700 | $1,540 | $2,240 | $1,119 | $1,819 | $421 |
| Cross, SC | $300 | $577 | $877 | $419 | $719 | $158 |
| Hendersonville, SC | $2,000 | $799 | $2,799 | $581 | $2,581 | $218 |
| Russellville, SC | $200 | $942 | $1,142 | $684 | $884 | $257 |
| Beaufort County, SC | $700 | $1,367 | $2,067 | $993 | $1,693 | $373 |
| Home Insurance Company Johns Island, SC | Homeowners Insurance Agency Johns Island, SC | Address | Popularity Score | Distance from Johns Island (miles) |
|---|---|---|---|---|
| State Farm | Emily Laplante | 3575 Maybank Hwy Ste H, Johns Island, SC, 29455-4871 | 3.0 | |
| State Farm | Chelsea Heintz | 2600 Savannah Hwy Ste A, Charleston, SC, 29414-5327 | 3.9 | |
| Liberty Mutual Independent | King Street Agency | 557 King St Ste D, Charleston, SC, 29403 | 6.5 | |
| State Farm | Gail Williamson | 1715 Rittenbrg Blvd, Charleston, SC, 29407-4924 | 4.6 | |
| State Farm | John Acker | 630 Skylark Drive Suite O, Charleston, SC, 29407-1718 | 3.6 | |
| Travelers | Roe & Associates Inc | 7089 Rivers Ave, North Charleston, SC, 29406 | 12.9 | |
| Allstate | Lee Demarest | 1890 Sam Rittenberg Blvd, Charleston, SC, 29407 | 4.1 | |
| Travelers | Oak Insurance | 3439 Thorpe Constantine Ave, Johns Island, SC, 29455 | 2.6 | |
| Travelers | Rowell Insurance Agency | 3955 Rivers Ave, Charleston, SC, 29405 | 8.9 | |
| State Farm | Ryan Whiten | 3226 Maybank Hwy Ste B1, Johns Island, SC, 29455-4861 | 1.7 |
| 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 | $1,400 | $720 |
| Charleston County, SC | $273,100 | $1,353 | $930 | $1,850 | $920 |
| Johns Island, SC | $260,400 | $1,039 | $720 | $1,480 | $760 |
| Folly Beach, SC | $577,500 | $2,403 | $1,750 | $3,320 | $1,570 |
| Wadmalaw Island, SC | $293,800 | $1,568 | $1,130 | $2,210 | $1,080 |
| Rockville, SC | $378,600 | $1,830 | $1,240 | $2,620 | $1,380 |
| Summerville, SC | $187,400 | $1,097 | $740 | $1,570 | $830 |
| Awendaw, SC | $161,800 | $1,058 | $730 | $1,460 | $730 |
| Pinopolis, SC | $290,800 | $1,559 | $1,120 | $2,140 | $1,020 |
| Cross, SC | $91,100 | $584 | $400 | $820 | $420 |
| Hendersonville, SC | $68,300 | $809 | $550 | $1,150 | $600 |
| Russellville, SC | $142,000 | $953 | $700 | $1,340 | $640 |
| Beaufort County, SC | $283,800 | $1,383 | $1,000 | $1,980 | $980 |