How Can I Make My Bluffton, SC Home Insurance Cheaper
Gavop shows you how to buy homeowners insurance in Bluffton, SC by estimating coverage, choosing the right deductible, contacting the best agents, understanding claim requirements, comparing cheap rates, using discount options and reading reviews.
Compare Quotes from Top Providers and Save now!
Estimate Appropriate Bluffton, SC Home Insurance Coverage Levels | Back to Top
| Bluffton, 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 | |
| Pickett Creek Ln, Holly Ln, Boyds Lndg, Fairforest Ln, Three Oaks Ln, N Lake Rd, Harborage Ct, Spring Beauty Dr, Boone Hall Ct, South Sq | $155,000 | $130,000 | $150,000-$175,000 | $176,500 | $150,000 | $150,000-$175,000 |
| Sawmill Forest Dr, St Catherine St, Berwyn Cir, Able St, Magnolia Blossom Dr, Rain Lily Ln, Southside Pkwy, Inverness Dr, Parkside Ct, Croaker St | $408,000 | $330,000 | $350,000-$400,000 | $197,000 | $160,000 | $200,000-$250,000 |
| Friendship Ln, Bridle Ct, Meadow Dr, Newberry Ct, Heritage Pkwy, Gleneagles Ct, Faus Rd, River Birch Pl, Baltusrol Ct, Laurel Oak Bay | $182,500 | $150,000 | $150,000-$175,000 | $119,500 | $100,000 | $100,000-$125,000 |
| Smith Rd, Thorton St, Hampton Pl, Dr Mellichamp Dr, Lichen Ln, Paxton Cir, Oldfield Way, Pine Burr Dr W, Clubhouse Ct, Trout Hole Rd | $214,000 | $200,000 | $175,000-$200,000 | $219,000 | $210,000 | $200,000-$250,000 |
| Camp Eight Rd, Bryan Rd, Cattle Run Way, Cotton Grass Rd, Maypop Ct, Pinedrop Ct, Bartons Run Xing, Palmetto Beach Ln, Estill Beach Cir, Boat House St | $209,000 | $180,000 | $175,000-$200,000 | $209,000 | $180,000 | $200,000-$250,000 |
| River Club Ct, Jekyll Ct, Cypress Hollow, Sylvan Ct, Mobley Oaks Ln, Lady Slipper Ct, Ibis Cir, Wheatfield Cir, Shady Glen Cir, Columbus Cir | $729,000 | $600,000 | $700,000-$800,000 | $427,500 | $410,000 | $500,000-$600,000 |
| Thomas Lawton Dr, Royal Bay Cir, Estill Beach Dr, Fishdancer Ct, State Rd S-7-592, Ceres Ct, Pope Ln, Callawassie Dr, River Oaks Dr, Clubhouse Dr | $271,000 | $240,000 | $250,000-$300,000 | $205,000 | $170,000 | $200,000-$250,000 |
| Lynnfield Pl, Bridgewater Dr, Blackstone River Rd, Kendall Dr, Clifton Dr, Cooper Ct, Stoney Ct, Cinnamon Fern, Belmont Dr, Prospect Ln | $434,500 | $380,000 | $400,000-$500,000 | $287,000 | $240,000 | $250,000-$300,000 |
| Myrtle View St, Water Tupelo Ave, Fording Rd, Wainwright Dr, River Rd, Oxford Way, Pebble Beach Cove, Fernbank Ave, Freeport Rd, Saw Mill Rd | $179,000 | $150,000 | $175,000-$200,000 | $183,000 | $150,000 | $200,000-$250,000 |
| Melrose Landing Rd, Pinecrest Cir, Hickory Hill Ln, Fishdancer Cir, Falmouth Way, Barksdale Ln, Calverton Pl, Meeting House Rd, Devant Dr E, McCall Ct | $217,000 | $200,000 | $175,000-$200,000 | $178,000 | $160,000 | $200,000-$250,000 |
Estimate your Savings with Home Insurance Discounts in Bluffton, SC | Back to Top
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$249 | $1,134 |
| Superior Protection Discount | -$124 | $1,259 |
| Fire & Security Discount | -$138 | $1,245 |
| Hail Resistant Roof Discount | -$28 | $1,356 |
| Newly Constructed Home Discount | -$277 | $1,107 |
Choose the Right Deductible for your Bluffton, 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 |
| Beaufort County | $1,000 | $1,367 | $2,367 | $993 | $1,993 | $373 |
| Bluffton, SC | $1,500 | $1,367 | $2,867 | $993 | $2,493 | $373 |
| Burton, SC | $500 | $694 | $1,194 | $504 | $1,004 | $190 |
| Dutch Island, GA | $2,500 | $2,045 | $4,545 | $1,486 | $3,986 | $559 |
| Vernonburg, GA | $500 | $559 | $1,059 | $406 | $906 | $153 |
| Springfield, GA | $1,500 | $773 | $2,273 | $561 | $2,061 | $211 |
| Shawnee, GA | $100 | $826 | $926 | $600 | $700 | $226 |
| Pembroke, GA | $1,000 | $752 | $1,752 | $546 | $1,546 | $205 |
| Oliver, GA | $400 | $504 | $904 | $366 | $766 | $138 |
| Liberty County, GA | $2,500 | $818 | $3,318 | $595 | $3,095 | $224 |
| Gifford, SC | $300 | $368 | $668 | $267 | $567 | $100 |
| Ravenel-Hollywood, SC | $1,500 | $811 | $2,311 | $589 | $2,089 | $222 |
Identify Top Home Insurance Agents near Bluffton, SC | Back to Top
| Home Insurance Company Bluffton, SC | Homeowners Insurance Agency Bluffton, SC | Address | Popularity Score | Distance from Bluffton (miles) |
|---|---|---|---|---|
| Travelers | Kinghorn Insurance Agency Of Beaufort | 910 Carteret St, Beaufort, SC, 29902 | 16.9 | |
| Allstate | Patrick Cunningham | 255 Drivers Way, Hardeeville, SC, 29927 | 7.8 | |
| State Farm | John Mallett | 15 Mallett Way, Bluffton, SC, 29910-6064 | 0.6 | |
| Allstate | Stephen Helwig | 42 New Orleans Rd Ste 100, Hilton Head Island, SC, 29928 | 9.3 | |
| Travelers | The Steadman Agency | 465 Spruce St, Walterboro, SC, 29488 | 47.1 | |
| Travelers | The Steadman Agency | 465 Spruce Street, Walterboro, SC, 29488 | 47.1 | |
| State Farm | Tommy Rhodes | 10840 N Jacb Smrt Blvd, Ridgeland, SC, 29936-2707 | 16.9 | |
| Travelers | Statewide Insurance Group | 134 B Lady' S Island Dr, Beaufort, SC, 29907 | 15.3 | |
| State Farm | Debbie Elrod | 401 Elm St W, Hampton, SC, 29924-3207 | 44.6 | |
| Travelers | Statewide Insurance Group | 134 Ladys Island Dr Ste B, Beaufort, SC, 29907 | 16.0 |
Compare Rates for Bluffton, 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 | $720 | $1,390 | $670 |
| Beaufort County, SC | $283,800 | $1,383 | $930 | $1,920 | $990 |
| Bluffton, SC | $284,000 | $1,383 | $980 | $1,920 | $940 |
| Burton, SC | $122,200 | $702 | $480 | $990 | $510 |
| Dutch Island, GA | $460,600 | $2,070 | $1,410 | $2,840 | $1,430 |
| Vernonburg, GA | $833,300 | $566 | $380 | $780 | $400 |
| Springfield, GA | $106,400 | $782 | $560 | $1,090 | $530 |
| Shawnee, GA | $116,800 | $836 | $600 | $1,150 | $550 |
| Pembroke, GA | $131,800 | $761 | $530 | $1,090 | $560 |
| Oliver, GA | $64,000 | $510 | $370 | $700 | $330 |
| Liberty County, GA | $120,500 | $828 | $600 | $1,180 | $580 |
| Gifford, SC | $58,400 | $372 | $270 | $520 | $250 |
| Ravenel-Hollywood, SC | $181,600 | $820 | $570 | $1,140 | $570 |
Research Home Insurance Companies Reviews in Bluffton, SC Before Buying | Back to Top
Share a review on your home insurance company
Progressive Home Insurance Reviews
Date: October 11, 2019 Age: 30 to 39 Gender: Female Marital Status: Married
Customer Service
Our experience so far with this insurance company has been great. We made the switch to them a few years ago and cut our insurance bill about in half. We have our home and cars bundled together.
Date: July 18, 2019 Age: 30 to 39 Gender: Female Marital Status: Married
Premium
Our policy for homeowners insurance is $1500.00. We didn't want to have to pay too much year around and knew we didn't live in an area that was pron to the damage.
State Farm Home Insurance Reviews
Date: September 20, 2019 Age: 40 to 49 Gender: Female Marital Status: Married
Customer Service
I have been very pleased with the customer service from State Farm. My agent is always willing to answer my questions and always makes me feel important.
Date: June 06, 2019 Age: 50 to 59 Gender: Unmarried Marital Status: Male
Premium
The premium on my policy has actually decreased over time, as we have not had any claims. My company offers a flat deductible, instead of a percentage deductible.
GEICO Home Insurance Reviews
Date: July 06, 2019 Age: 30 to 39 Gender: Female Marital Status: Married
Premium
The deductible on my home insurance is fair and on the lower side of average compared to other providers for the same coverage. I am satisfied.