Gavop's guide to buying homeowners insurance in Charleston Central, 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.
| Charleston Central, SC - Neighbourhoods, Census Blocks & Streets | 2 Bedroom | 3 Bedroom | ||||
|---|---|---|---|---|---|---|
| Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | |
| Cosgrove Ave, Chalmers St, Azalea Dr, Short St, George St, Montagu St, E Bay St, Devereaux Ave, Battery Pl, Riverside Dr | $99,500 | $90,000 | $75,000-$100,000 | $132,500 | $110,000 | $150,000-$175,000 |
| Broad St, Kingsworth Ave, Oliver Ct, Echo Ave, Talon Ct, Rutledge Blvd, Grove St, Laurens St, 10th Ave, Zig Zag Aly | $108,500 | $100,000 | $100,000-$125,000 | $100,500 | $80,000 | $75,000-$100,000 |
| Boyces Wharf, Philadelphia Aly, Simonton Mews, Herbert St, E Hampstead Sq, Shand St, Smalls St, Guignard St, S Battery, Ashmead Pl | $321,500 | $270,000 | $250,000-$300,000 | $461,500 | $380,000 | $350,000-$400,000 |
| Kennedy Ct, Gadsden St, Aiken St, America St, Jacobs Aly, Desportes Ct, Lowndes Pointe Dr, Mims Ave, Savage St, Pendleton St | $240,500 | $220,000 | $200,000-$250,000 | $312,000 | $270,000 | $250,000-$300,000 |
| Sabin St, Braswell St, Thomas St, Peecksen Ct, Water St, Woolfe St, Jasper St, Michel Pl, Pinckney St, Vanderhorst St | $315,000 | $290,000 | $300,000-$350,000 | $488,000 | $440,000 | $500,000-$600,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$205 | $933 |
| Superior Protection Discount | -$102 | $1,036 |
| Fire & Security Discount | -$114 | $1,024 |
| Hail Resistant Roof Discount | -$23 | $1,115 |
| Newly Constructed Home Discount | -$250 | $888 |
| 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 | $2,000 | $1,336 | $3,336 | $971 | $2,971 | $365 |
| Charleston Central, SC | $2,000 | $1,124 | $3,124 | $817 | $2,817 | $307 |
| Charleston Central, SC | $500 | $1,124 | $1,624 | $817 | $1,317 | $307 |
| Sullivan's Island, SC | $1,500 | $748 | $2,248 | $544 | $2,044 | $204 |
| Johns Island, SC | $300 | $1,026 | $1,326 | $746 | $1,046 | $280 |
| Ladson, SC | $700 | $772 | $1,472 | $561 | $1,261 | $211 |
| Goose Creek-Hanahan, SC | $400 | $1,056 | $1,456 | $768 | $1,168 | $289 |
| Moncks Corner, SC | $1,500 | $787 | $2,287 | $572 | $2,072 | $215 |
| Berkeley County, SC | $400 | $987 | $1,387 | $717 | $1,117 | $270 |
| Green Pond, SC | $2,000 | $1,399 | $3,399 | $1,017 | $3,017 | $382 |
| Bonneau, SC | $200 | $689 | $889 | $501 | $701 | $188 |
| Russellville, SC | $2,000 | $942 | $2,942 | $684 | $2,684 | $257 |
| Home Insurance Company Charleston Central, SC | Homeowners Insurance Agency Charleston Central, SC | Address | Popularity Score | Distance from Charleston Central (miles) |
|---|---|---|---|---|
| Travelers | Kinghorn Insurance Agency Of Beaufort | 910 Carteret St, Beaufort, SC, 29902 | 49.2 | |
| Liberty Mutual Independent | King Street Agency | 557 King Street Second Floor, Charleston, SC, 29403 | 0.6 | |
| Liberty Mutual Independent | King Street Agency | 557 King St Ste D, Charleston, SC, 29403 | 0.6 | |
| State Farm | Gail Williamson | 1715 Rittenbrg Blvd, Charleston, SC, 29407-4924 | 4.2 | |
| Travelers | The Brinson Agency | 759 Folly Rd Ste C, Charleston, SC, 29412 | 4.3 | |
| Allstate | Sandra Rabon | 9500 Dorchester Rd Ste 204, Summerville, SC, 29485 | 15.4 | |
| State Farm | Ryan Whiten | 3226 Maybank Hwy Ste B1, Johns Island, SC, 29455-4861 | 8.4 | |
| State Farm | Urquit Morris | 1700 Ashley River Rd, Charleston, SC, 29407-5904 | 4.1 | |
| State Farm | Nick Wagner | 2408 Ashley River Rd Unit E, Charleston, SC, 29414-4619 | 5.9 | |
| Allstate | Paul G Langston | 1143 Chuck Dawley Blvd, Mount Pleasant, SC, 29464 | 5.1 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| South Carolina | $148,600 | $989 | $720 | $1,350 | $630 |
| Charleston County, SC | $273,100 | $1,353 | $960 | $1,880 | $920 |
| Charleston Central, SC | $477,200 | $1,138 | $820 | $1,560 | $740 |
| Charleston Central, SC | $477,200 | $1,138 | $820 | $1,580 | $760 |
| Sullivan's Island, SC | $1,248,900 | $757 | $510 | $1,070 | $560 |
| Johns Island, SC | $260,400 | $1,039 | $750 | $1,480 | $730 |
| Ladson, SC | $138,000 | $781 | $520 | $1,080 | $560 |
| Goose Creek-Hanahan, SC | $164,000 | $1,069 | $720 | $1,490 | $770 |
| Moncks Corner, SC | $174,500 | $796 | $540 | $1,090 | $550 |
| Berkeley County, SC | $164,900 | $999 | $720 | $1,410 | $690 |
| Green Pond, SC | $247,400 | $1,416 | $1,010 | $2,000 | $990 |
| Bonneau, SC | $121,300 | $697 | $470 | $980 | $510 |
| Russellville, SC | $142,000 | $953 | $700 | $1,360 | $660 |