Gavop's guide to buying homeowners insurance in Dorchester County, 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 | $47,500 | $40,000 | $25,000-$50,000 |
| 2 Bedroom | $135,000 | $110,000 | $125,000-$150,000 |
| 3 Bedroom | $210,000 | $180,000 | $200,000-$250,000 |
| 4 Bedroom | $160,000 | $150,000 | $125,000-$150,000 |
| 5 Bedroom | $206,500 | $190,000 | $200,000-$250,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$158 | $897 |
| Superior Protection Discount | -$95 | $961 |
| Fire & Security Discount | -$106 | $950 |
| Hail Resistant Roof Discount | -$32 | $1,024 |
| Newly Constructed Home Discount | -$211 | $844 |
| 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 | $2,500 | $1,043 | $3,543 | $758 | $3,258 | $285 |
| Dorchester County, SC | $1,000 | $1,043 | $2,043 | $758 | $1,758 | $285 |
| Goose Creek, SC | $100 | $1,029 | $1,129 | $748 | $848 | $281 |
| Hanahan, SC | $700 | $884 | $1,584 | $643 | $1,343 | $242 |
| Meggett, SC | $300 | $1,738 | $2,038 | $1,263 | $1,563 | $475 |
| Wando, SC | $2,000 | $999 | $2,999 | $726 | $2,726 | $273 |
| Wadmalaw Island, SC | $300 | $1,549 | $1,849 | $1,126 | $1,426 | $423 |
| Charleston County, SC | $700 | $1,336 | $2,036 | $971 | $1,671 | $365 |
| Cameron, SC | $300 | $632 | $932 | $460 | $760 | $173 |
| Cordova, SC | $1,000 | $888 | $1,888 | $645 | $1,645 | $243 |
| Cordesville, SC | $400 | $764 | $1,164 | $555 | $955 | $209 |
| Edisto Beach, SC | $1,000 | $1,806 | $2,806 | $1,313 | $2,313 | $494 |
| Home Insurance Company Dorchester County, SC | Homeowners Insurance Agency Dorchester County, SC | Address | Popularity Score | Distance from Dorchester County (miles) |
|---|---|---|---|---|
| Allstate | Harry Blake | 1668 Trolley Rd Ste 104, Summerville, SC, 29485 | 14.2 | |
| Allstate | Brian Clyburn | 976 Houston Northcutt Blvd Ste F, Mount Pleasant, SC, 29464 | 35.7 | |
| Allstate | Sandra Rabon | 9500 Dorchester Rd Ste 204, Summerville, SC, 29485 | 17.8 | |
| Travelers | The Steadman Agency | 465 Spruce Street, Walterboro, SC, 29488 | 19.2 | |
| Liberty Mutual Independent | Turbeville Insurance Agency | 670 Marina Dr Ste 301, Charleston, SC, 29492 | 30.4 | |
| Liberty Mutual Independent | C T Lowndes & Company | 330 N Lucas St, Walterboro, SC, 29488 | 19.4 | |
| Travelers | Statewide Insurance Group | 134 B Lady' S Island Dr, Beaufort, SC, 29907 | 47.8 | |
| State Farm | Jim Rooney | 627 Old Trolley Rd Ste A, Summerville, SC, 29485-5673 | 15.3 | |
| State Farm | Rick Campbell | 1708 Trolley Rd, Summerville, SC, 29485-8076 | 16.3 | |
| Allstate | Patrick Brown | 1124 Sam Rittenberg Blvd Ste 7, Charleston, SC, 29407 | 30.0 |
| 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 |
| Dorchester County, SC | $177,500 | $1,056 | $730 | $1,500 | $770 |
| Dorchester County, SC | $177,500 | $1,056 | $760 | $1,490 | $730 |
| Goose Creek, SC | $174,500 | $1,042 | $750 | $1,440 | $690 |
| Hanahan, SC | $205,700 | $895 | $640 | $1,240 | $600 |
| Meggett, SC | $356,300 | $1,759 | $1,270 | $2,450 | $1,180 |
| Wando, SC | $386,200 | $1,011 | $720 | $1,440 | $720 |
| Wadmalaw Island, SC | $293,800 | $1,568 | $1,050 | $2,210 | $1,160 |
| Charleston County, SC | $273,100 | $1,353 | $960 | $1,870 | $910 |
| Cameron, SC | $92,700 | $640 | $450 | $880 | $430 |
| Cordova, SC | $132,700 | $899 | $600 | $1,280 | $680 |
| Cordesville, SC | $112,200 | $773 | $530 | $1,070 | $540 |
| Edisto Beach, SC | $378,000 | $1,828 | $1,220 | $2,600 | $1,380 |