Gavop's guide to buying homeowners insurance in Port Royal, 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.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $57,500 | $50,000 | $50,000-$75,000 |
| 2 Bedroom | $110,000 | $100,000 | $100,000-$125,000 |
| 3 Bedroom | $162,500 | $150,000 | $125,000-$150,000 |
| 4 Bedroom | $201,000 | $180,000 | $200,000-$250,000 |
| 5 Bedroom | $271,500 | $220,000 | $250,000-$300,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$164 | $747 |
| Superior Protection Discount | -$82 | $829 |
| Fire & Security Discount | -$100 | $811 |
| Hail Resistant Roof Discount | -$18 | $893 |
| Newly Constructed Home Discount | -$228 | $684 |
| Claim Type | Average Claim Cost |
|---|---|
| General Claims | |
| Water Damage | $6,337 |
| Physical Damage | $2,513 |
| Hail Damage | $4,476 |
| Wind Damage | $6,496 |
| Expensive Claims | |
| Fire | $45,570 |
| Smoke | $15,884 |
| Home Insurance Company Port Royal, SC | Homeowners Insurance Agency Port Royal, SC | Address | Popularity Score | Distance from Port Royal (miles) |
|---|---|---|---|---|
| Allstate | Kinghorn Beaufort | Po Box 1088, Beaufort, SC, 29901 | 5.5 | |
| Liberty Mutual Independent | C T Lowndes & Company | 330 N Lucas St, Walterboro, SC, 29488 | 37.9 | |
| Travelers | Statewide Insurance Group | 134 B Lady' S Island Dr, Beaufort, SC, 29907 | 5.9 | |
| State Farm | Amy Bowman | 1284 Ribaut Rd, Beaufort, SC, 29902-6143 | 3.3 | |
| Allstate | Wally Burbage | 1655 Savannah Hwy Unit B, Charleston, SC, 29407 | 49.9 | |
| Travelers | Statewide Insurance Group | 134 Ladys Island Dr Ste B, Beaufort, SC, 29907 | 4.5 | |
| Travelers | Pc & L Agency Inc | 12 Lafayette Pl Ste C, Hilton Head, SC, 29926 | 9.9 | |
| Liberty Mutual Independent | Beacon Insurance Group Inc | 60 Pennington Dr, Bluffton, SC, 29910 | 11.2 | |
| Liberty Mutual Independent | Beacon Insurance Group Inc | 60 Pennington Drive, Bluffton, SC, 29910 | 11.2 | |
| Travelers | Southern Choice Insurance Group | 225 Drivers Way , Hardeeville, SC, 29927 | 16.8 |
| 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 |
| Beaufort County, SC | $283,800 | $1,383 | $940 | $1,900 | $960 |
| Port Royal, SC | $211,500 | $911 | $660 | $1,250 | $590 |
| Laurel Bay, SC | $120,300 | $692 | $510 | $950 | $440 |
| Hendersonville, SC | $68,300 | $809 | $580 | $1,140 | $560 |
| Port Wentworth, GA | $201,600 | $813 | $550 | $1,160 | $610 |
| Springfield, GA | $106,400 | $782 | $530 | $1,120 | $590 |
| Walterboro, SC | $89,000 | $802 | $570 | $1,130 | $560 |
| Lodge, SC | $73,200 | $493 | $360 | $700 | $340 |
| Gifford, SC | $58,400 | $372 | $270 | $520 | $250 |
| Johns Island, SC | $260,400 | $1,039 | $700 | $1,420 | $720 |
| Williams, SC | $78,300 | $533 | $380 | $740 | $360 |
| Summerville, SC | $187,400 | $1,097 | $740 | $1,560 | $820 |