How Can I Make My North Charleston, SC Home Insurance Cheaper
Gavop's guide to buying homeowners insurance in North 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.
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Estimate Appropriate North Charleston, SC Home Insurance Coverage Levels | Back to Top
| North 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 | |
| Penshire Ct, McCormack Ave, Boundview Ct, Burkeshire Ct, Patriot Blvd, Cane Acre Rd, Lindler Ave, Old Fort Dr, Dirocco Ln, Writing Ct | $214,500 | $200,000 | $200,000-$250,000 | $160,500 | $130,000 | $150,000-$175,000 |
| Peppertree Ln, Persimmon Woods Dr, Veranda Ct, Netherby Ln, Taylor Plantation, Woodbreeze Dr, State Hwy 61, Knowledge Dr, Boykin Dr, Cat Tail Pond Rd | $146,000 | $140,000 | $100,000-$125,000 | $147,500 | $120,000 | $125,000-$150,000 |
| Dorsetshire Downs, Summer Dr, Little School Ct, Windsor Cir, Mulligan Way, Brownhare Ct, Shadowglen Dr, Co Rd S-18-751, Thoroughbred Dr, Wynnefield Dr | $284,000 | $270,000 | $200,000-$250,000 | $219,000 | $180,000 | $200,000-$250,000 |
| Burnt Creek Ct, Co Rd S-18-748, Rowsham Pl, Wigmore St, Sentry Cir, Cumberland Way, Tidewater Dr, Bay Tree Ln, Morrow Ln, Wild Bird Ct | $178,000 | $160,000 | $150,000-$175,000 | $121,500 | $100,000 | $100,000-$125,000 |
| Hickory Creek Ln, Kody Ln, Sandpiper Dr, Polo Pt, Cedar Grove Dr, Gaines Mill Dr, Nightingale Ave, Small Ln, Kambreley Ct, Lincoln Ave | $152,500 | $130,000 | $150,000-$175,000 | $141,000 | $120,000 | $100,000-$125,000 |
Estimate your Savings with Home Insurance Discounts in North Charleston, SC | Back to Top
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$158 | $829 |
| Superior Protection Discount | -$89 | $898 |
| Fire & Security Discount | -$109 | $878 |
| Hail Resistant Roof Discount | -$30 | $957 |
| Newly Constructed Home Discount | -$207 | $780 |
Choose the Right Deductible for your North 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 |
| Dorchester County | $2,000 | $1,043 | $3,043 | $758 | $2,758 | $285 |
| North Charleston, SC | $1,500 | $975 | $2,475 | $709 | $2,209 | $266 |
| Sangaree, SC | $100 | $756 | $856 | $549 | $649 | $207 |
| Goose Creek-Hanahan, SC | $1,000 | $1,056 | $2,056 | $768 | $1,768 | $289 |
| Ravenel, SC | $100 | $989 | $1,089 | $719 | $819 | $270 |
| Dorchester County, SC | $700 | $1,043 | $1,743 | $758 | $1,458 | $285 |
| Colleton County, SC | $2,000 | $1,045 | $3,045 | $759 | $2,759 | $286 |
| Hendersonville, SC | $200 | $799 | $999 | $581 | $781 | $218 |
| Santee, SC | $2,500 | $828 | $3,328 | $602 | $3,102 | $226 |
| St. Helena Island, SC | $200 | $957 | $1,157 | $696 | $896 | $262 |
| Andrews, SC | $1,500 | $813 | $2,313 | $591 | $2,091 | $222 |
Identify Top Home Insurance Agents near North Charleston, SC | Back to Top
| Home Insurance Company North Charleston, SC | Homeowners Insurance Agency North Charleston, SC | Address | Popularity Score | Distance from North Charleston (miles) |
|---|---|---|---|---|
| Allstate | Brian Clyburn | 976 Houston Northcutt Blvd Ste F, Mount Pleasant, SC, 29464 | 13.1 | |
| Allstate | Kaelyn Agency - Scott Labarowski | 421 Old Trolley Rd, Summerville, SC, 29485 | 8.1 | |
| State Farm | Troy Herndon | 1711 Savannah Hwy, Charleston, SC, 29407-6200 | 9.4 | |
| Allstate | Lee Demarest | 1890 Sam Rittenberg Blvd, Charleston, SC, 29407 | 8.5 | |
| Travelers | Absolute Insurance Agency Llc | 435 Old Trolley Rd, Summerville, SC, 29485 | 8.0 | |
| Travelers | Freedom Tax & Insurance | 1455 Remount Rd, North Charleston, SC, 29406 | 3.9 | |
| Liberty Mutual Independent | Turbeville Insurance Agency | 670 Marina Dr Ste 301, Charleston, SC, 29492 | 7.8 | |
| State Farm | Basil Lempesis | 1365 Ashley River Rd, Charleston, SC, 29407-5379 | 9.0 | |
| Liberty Mutual Independent | C T Lowndes & Company | 513 E Main St, Moncks Corner, SC, 29461 | 19.3 | |
| State Farm | Rick Campbell | 1708 Trolley Rd, Summerville, SC, 29485-8076 | 6.5 |
Compare Rates for North 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 | $700 | $1,400 | $700 |
| Dorchester County, SC | $177,500 | $1,056 | $760 | $1,510 | $750 |
| North Charleston, SC | $155,900 | $987 | $700 | $1,350 | $650 |
| Sangaree, SC | $134,700 | $765 | $530 | $1,060 | $530 |
| Goose Creek-Hanahan, SC | $164,000 | $1,069 | $730 | $1,510 | $780 |
| Ravenel, SC | $150,900 | $1,001 | $710 | $1,410 | $700 |
| Dorchester County, SC | $177,500 | $1,056 | $750 | $1,510 | $760 |
| Colleton County, SC | $84,600 | $1,058 | $750 | $1,450 | $700 |
| Hendersonville, SC | $68,300 | $809 | $560 | $1,160 | $600 |
| Santee, SC | $122,500 | $838 | $590 | $1,200 | $610 |
| St. Helena Island, SC | $232,600 | $969 | $700 | $1,390 | $690 |
| Andrews, SC | $79,400 | $823 | $580 | $1,140 | $560 |
Research Home Insurance Companies Reviews in North Charleston, SC Before Buying | Back to Top
Share a review on your home insurance company
Nationwide Home Insurance Reviews
Date: October 05, 2018 Age: 30 to 39 Gender: Female Marital Status: Married
Premium
Other companies make me pay up to 200 dollars more pro my coverage. Some companies are cheaper but do know have everything I'd want.
Date: September 17, 2018 Age: 30 to 39 Gender: Male Marital Status: Unmarried
Customer Service
Sometimes the wait times on the phone are very long. I wish that they would get more employees to take more calls.
Date: September 08, 2018 Age: 20 to 29 Gender: Male Marital Status: Married
Policy Offerings
My policy covers all medical payments, Loss of use, Anything that gets lost or stolen. It is a very good policy.
Date: August 08, 2018 Age: 30 to 39 Gender: Female Marital Status: Married
Website/App
It can sometimes be very slow. I would go to open the app and it can take forever to open. I like the simple UI and menus.
Date: January 27, 2018 Age: Above 60 Gender: Male Marital Status: Married
Communication
Sometimes I will not get a reply on a certain problem I am having for a long time. I wish they would get back to me sooner rather than later.
Allstate Home Insurance Reviews
Date: October 15, 2019 Age: 30 to 39 Gender: Male Marital Status: Married
Customer Service
I have been satisfied with the customer service at Allstate so far. When I call to make a claim or ask a question, the representatives are kind and knowledgable. They are fast to reply to inquiries and explain the policies that affect me.
Date: September 15, 2019 Age: 30 to 39 Gender: Male Marital Status: Unmarried
Policy Offerings
The policy offerings appear to be normal and on par with other providers, from what I have seen and researched. There are other add-ons that I could have done, but I opted not to.
Date: September 09, 2019 Age: 50 to 59 Gender: Female Marital Status: Unmarried
Customer Service
I would rate the customer service about a 4 because there are times the hold to answer questions can be somewhat long. On a whole they are very pleasant and will go the extra mile to help to sort out the problem.
Date: September 05, 2019 Age: 20 to 29 Gender: Male Marital Status: Married
Premium
My premium and deductible are the cheapest available options, which I chose because I am grossly underpaid and I cannot afford anything more substantial.
Date: August 09, 2019 Age: 50 to 59 Gender: Female Marital Status: Married
Customer Service
I have only been a customer of Allstate for 4 years and have never had to file a claim (yet). However, for basic inquiries and questions, I have been very pleased with the response I have experienced.
GEICO Home Insurance Reviews
Date: October 22, 2019 Age: 30 to 39 Gender: Male Marital Status: Married
Premium
My premium deductible is very low, and affordable as compared to most other insurance companies, if not the lowest premiums. The coverage you get for what you pay is outstanding.
Date: July 14, 2019 Age: 30 to 39 Gender: Male Marital Status: Unmarried
Premium
I am very satisfied with Geico insurance company. Their rates a much lower. We had USAA, but switched to Geico and saved almost $100 a month.
Date: February 06, 2019 Age: 40 to 49 Gender: Female Marital Status: Unmarried
Customer Service
I have never used the home insurance claim process. however, I have used their claim service for Auto. As far as customer service for questions, etc, their service is above average. I don't like that they constantly raise rates, though.
Esurance Home Insurance Reviews
Date: December 29, 2018 Age: 20 to 29 Gender: Female Marital Status: Unmarried
Policy Offerings
I honestly wouldn't choose this coverage if I had the option. However, because of my area, other companies were trying to charge a monthly rate for 3x what I could afford and this was a way for me to have coverage and still be able to live.
State Farm Home Insurance Reviews
Date: January 23, 2019 Age: 20 to 29 Gender: Female Marital Status: Unmarried
Premium
I believe my deductible with state farm is lower compared to other companies. since I have a lot of people in my family low cost is important.
American Strategic Insurance Home Insurance Reviews
Date: November 05, 2018 Age: 30 to 39 Gender: Male Marital Status: Married
Customer Service
I liked the Company's customer service very much. They returned my call right away after I left them a message and the representative over the phone was very polite.
Farmer's Insurance Home Insurance Reviews
Date: November 23, 2018 Age: 50 to 59 Gender: Female Marital Status: Unmarried
Customer Service
Good customer service. The deductable decreases yearly if I don't have any claims. The representatives are efficient. I would recommend them.