Gavop shows you how to buy homeowners insurance in James Island, SC by estimating coverage, choosing the right deductible, contacting the best agents, understanding claim requirements, comparing cheap rates, using discount options and reading reviews.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $70,000 | $60,000 | $50,000-$75,000 |
| 2 Bedroom | $173,000 | $160,000 | $175,000-$200,000 |
| 3 Bedroom | $214,500 | $190,000 | $200,000-$250,000 |
| 4 Bedroom | $301,500 | $240,000 | $250,000-$300,000 |
| 5 Bedroom | $330,000 | $300,000 | $300,000-$350,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$161 | $844 |
| Superior Protection Discount | -$100 | $904 |
| Fire & Security Discount | -$80 | $924 |
| Hail Resistant Roof Discount | -$30 | $974 |
| Newly Constructed Home Discount | -$221 | $783 |
| 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 | $2,500 | $1,336 | $3,836 | $971 | $3,471 | $365 |
| James Island, SC | $2,000 | $992 | $2,992 | $721 | $2,721 | $271 |
| Folly Beach, SC | $500 | $2,374 | $2,874 | $1,725 | $2,225 | $649 |
| Sullivan's Island, SC | $2,500 | $748 | $3,248 | $544 | $3,044 | $204 |
| Hollywood, SC | $500 | $1,355 | $1,855 | $984 | $1,484 | $370 |
| Ravenel, SC | $2,000 | $989 | $2,989 | $719 | $2,719 | $270 |
| Cordesville, SC | $100 | $764 | $864 | $555 | $655 | $209 |
| Cross, SC | $700 | $577 | $1,277 | $419 | $1,119 | $158 |
| Bonneau Beach, SC | $1,000 | $951 | $1,951 | $691 | $1,691 | $260 |
| Walterboro, SC | $200 | $792 | $992 | $576 | $776 | $216 |
| Beaufort County, SC | $2,000 | $1,367 | $3,367 | $993 | $2,993 | $373 |
| Home Insurance Company James Island, SC | Homeowners Insurance Agency James Island, SC | Address | Popularity Score | Distance from James Island (miles) |
|---|---|---|---|---|
| Liberty Mutual Independent | King Street Agency | 557 King St Ste D, Charleston, SC, 29403 | 7.5 | |
| State Farm | Chelsea Heintz | 2600 Savannah Hwy Ste A, Charleston, SC, 29414-5327 | 10.8 | |
| State Farm | Gail Williamson | 1715 Rittenbrg Blvd, Charleston, SC, 29407-4924 | 9.8 | |
| State Farm | Urquit Morris | 1700 Ashley River Rd, Charleston, SC, 29407-5904 | 9.5 | |
| Allstate | Brian Clyburn | 976 Houston Northcutt Blvd Ste F, Mount Pleasant, SC, 29464 | 8.1 | |
| State Farm | John Acker | 630 Skylark Drive Suite O, Charleston, SC, 29407-1718 | 9.7 | |
| State Farm | Ryan Whiten | 3226 Maybank Hwy Ste B1, Johns Island, SC, 29455-4861 | 8.6 | |
| Allstate | Lee Demarest | 1890 Sam Rittenberg Blvd, Charleston, SC, 29407 | 9.8 | |
| State Farm | Nick Wagner | 2408 Ashley River Rd Unit E, Charleston, SC, 29414-4619 | 11.9 | |
| Allstate | Paul G Langston | 1143 Chuck Dawley Blvd, Mount Pleasant, SC, 29464 | 9.1 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| South Carolina | $148,600 | $989 | $670 | $1,390 | $720 |
| Charleston County, SC | $273,100 | $1,353 | $930 | $1,870 | $940 |
| James Island, SC | $283,500 | $1,004 | $720 | $1,380 | $660 |
| Folly Beach, SC | $577,500 | $2,403 | $1,630 | $3,290 | $1,660 |
| Sullivan's Island, SC | $1,248,900 | $757 | $510 | $1,040 | $530 |
| Hollywood, SC | $234,600 | $1,371 | $950 | $1,950 | $1,000 |
| Ravenel, SC | $150,900 | $1,001 | $690 | $1,410 | $720 |
| Cordesville, SC | $112,200 | $773 | $520 | $1,100 | $580 |
| Cross, SC | $91,100 | $584 | $400 | $840 | $440 |
| Bonneau Beach, SC | $143,800 | $963 | $650 | $1,320 | $670 |
| Walterboro, SC | $89,000 | $802 | $570 | $1,110 | $540 |
| Beaufort County, SC | $283,800 | $1,383 | $950 | $1,900 | $950 |