Bluffton Insurance Rates:

Bluffton, SC homeowners insurance is approximately $735 to $1,002, about $61-$83/month. Our comprehensive guide shows customers can save as much as $347 by getting multiple quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Tips For Choosing The Best Bluffton, SC, Home Insurance Company

In Bluffton, South Carolina, homeowners pay an average home insurance rate of $1,537, which is higher than the national average premium of $1,438. Below are some of the factors that Bluffton homeowners should consider before choosing the home insurance company that best suits their coverage needs.


A.M. Best Rating

Financial strength is referred to as the capacity of an insurance company to grant the claims of current policyholders. Bluffton homeowners are recommended to opt for home insurance companies with high financial strength ratings. A.M. Best rates home insurance companies based on their financial strength. Bluffton homeowners can use these ratings to identify home insurance companies with a high financial capacity.

J.D. Power Score

J.D. Power awards home insurance companies with a score based on the feedback collected from current policyholders. An insurance company’s customer satisfaction score is calculated using policy coverage, insurance rates, discounts, customer handling, and the speed at which a claim is processed. Bluffton homeowners can use the J.D. Power Score to choose insurance companies that ensure the satisfaction of policyholders.

Comparing Quotes

Home insurance companies use different parameters to calculate home insurance rates. Home insurance quotes can differ from one insurance company to another. Bluffton homeowners should obtain quotes from multiple home insurance companies to choose the cheapest one. Homeowners should also consider the add-on policies offered by home insurance companies, in addition to the standard home insurance policy.

Deductibles vs. Insurance Rates

Bluffton homeowners can opt for high deductibles to reduce their home insurance rates. The deductibles and the corresponding reduction in home insurance rates differ from one home insurance company to another. Bluffton homeowners are advised to choose the home insurance company that offers the highest discount for their deductibles.

Claims Processing Speed

Home insurance companies should be swift in processing the claims of homeowners. Homeowners are generally given a period of 10 to 30 days to file a claim in case of damages. Once submitted, home insurance companies take a maximum of 40 days to review the claim and accept or deny it. Bluffton homeowners are suggested to choose home insurance companies with a simple and swift claims processing system.

Bluffton, SC Homeowners Insurance By Home Value

Bluffton, SC Home Value Total Homes % of Total Average Bluffton, SC Homeowners Insurance
Less than $50,000 964 7.0% $78
$100,000 to $124,999 344 2.0% $364
$125,000 to $149,999 509 3.0% $451
$150,000 to $174,999 1,735 13.0% $538
$175,000 to $199,999 1,526 11.0% $624
$200,000 to $249,999 2,643 20.0% $746
$250,000 to $299,999 2,377 18.0% $920
$300,000 to $399,999 2,643 20.0% $1163

Top Home Insurance Agents Near Bluffton, SC

Home Insurance Company Near Bluffton, SC Homeowners Insurance Agency Near Bluffton, SC Address
Nationwide Beach Insurance Group Inc 507 E Montgomery Crossroads, Savannah, GA, 31406
Travelers Love Insurance Agency Inc 10500 Abercorn St, Savannah, GA, 31419
Travelers Peoples Choice Insurance Agency Llc 586 PARRIS ISLAND GTWY, BEAUFORT, SC, 29906
Travelers Sherrill & Company 7805 WATERS AVE STE 10A, SAVANNAH, GA, 31406
Allstate Thomas Sheehan Ins 144 Habersham St, Savannah, GA, 31401

Bluffton, SC Home Insurance Agents for Top Companies

Cost Of Homeowners Insurance By Street Near Bluffton, SC

Streets in Bluffton Area Homeowners Insurance Cost
Black Mink Ln, Fairway Dr, Bluffton Pkwy, Kitties Landing Rd, Derby Ct, Ibis Cir, Goethe Rd, Whitehouse Plantation Rd, Club House Ln, Lady Slipper Dr$865
Sundome Ct, Hawthorne Ct, Strandhill Ave, Saw Mill Rd, Prospect Ln, Williams Dr, Pinedrop Ct, Wyndham Dr, Blue Willow St, Fishdancer Ct$858
3rd Ave, Pelot Ct, South Sq, Berwyn Cir, Pink House Ln, Walnut Hill Rd, Oxen Ln, Cinnamon Fern, Clubhouse Ct, Sapelo Island Ln$911
Sutton Ct, Able St, Bellavista Ct, Camp Eight Rd, Bryan Rd, Elvis Presley Rd, Kerby St, Lake Linden Dr, River Birch Pl, Timber Ln$823
River Rd, Lichen Ln, Landing Ln, Caspian Ln, Fording Ct, State Rd S-7-461, Baywood Dr, Fernbank Ave, Volunteers Rdg, Freeport Rd$919
Sea Island Dr, Boyds Lndg, W Kershaw Dr, Dunsmuir Ct, Palmetto Beach Ln, Hickory Hill Ln, Manchester Ct, Sylvan Ct, Archdale Cir, Prominence Pt$992
Coastal Dr, Bluffton Rd, Estill Beach Cir, Crestview Ln, Callison Ln, Bull Bunt Ln, Deu Blu Ct, Grassy Ln, Woodstock Way, Friendship Ln$836
Myrtle Ford Rd, Hawkes Rd, Baltusrol Ct, State Rd S-7-592, Prater Creek Cir, Weston Ct, Cedar Lake Ln, Palmetto Bluff Rd, Black Watch Dr, Colleton River Dr$833
Covey Rise, Old Fripp Rd, Boone Hall Ct, Fairforest Ln, Jake Washington Rd, S Campus Dr, Pine Shadow Ct, Shults St, Dolphin Lndg, Fifth Ave$1,054
Cherry Ln, Daniels Island Way, Doncaster Ln, Abbeville Ct, Covington Ln, Solomon Ln, River Cove Ct, Cattle Run Way, Blackstone River Rd, Warrington Pl$851

Bluffton, SC Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Bluffton$129 to $132
Hilton Head Island$145
Shell Point$125

Bluffton, SC Auto & Homeowners Insurance Bundling Discounts

Place 1 Car Bundle Savings On Insurance 2 Car Bundle Savings On Insurance 3 Car Bundle Savings On Insurance
Hardeeville CCD, Jasper County, South Carolina $119 $159 $239
Hilton Head Island CCD, Beaufort County, South Carolina $146 $194 $291
Shell Point CDP, South Carolina $125 $167 $251

Bluffton, SC Area Home Insurance as a % of Housing Cost

PlaceHome insurance as a % of housing cost for homes with mortgageHome insurance as a % of housing cost for homes without mortgage
Bluffton, SC4.3%15.6%
Hilton Head Island3.4%11.12%
Shell Point5.39%18.31%

Bluffton Renters Insurance as a Percentage of Rent

Bluffton Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$300 to $499 111 2.0% $1220
$500 to $749 408 9.0% $1895
$750 to $999 873 19.0% $2645
$1,000 to $1,499 2,163 48.0% $3770
$1,500 or more 868 19.0% $5420

Bluffton, SC Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Yearly Bluffton Homeowner Insurance Premium Example $2,900$1,900
Out of Pocket Expense During Claim$1,300$7,300
Total Home Insurance Premium for 7 years + Out of Pocket Expense for Claim $21,600$20,600
Net Savings to Bluffton Home Owner from High Deductible Plan $1,000

Bluffton, SC Home Insurance Costs With Home Replacement Value Scenarios

Scenario Bluffton, SC Home Replacement Value MORE than Home Value Bluffton, SC Home Replacement Value LESS than Home Value
Replacement Value $232,500 $135,500
Insurance Premium based on Replacement Value $2,075 $1,200
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $55,000 Risk Exposure from Under Insuring Coverage is $42,000
Premium Impact Insurance cheaper by $375/year Insurance costlier by $500/year

Example Bluffton Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company TravelersState FarmNationwide Insurance
Monthly Premium 153138105
Year Built 200220112000
Home Details 3 Beds, 2 Baths4 Beds, 2 Baths5 Beds, 1 Baths
Coverage Amount $200000-$250000$300000-$350000$200000-$250000
Deductible $500- $1000 Deductible$2500-$5000 Deductible$1000-$2500 Deductible

Sample Home Insurance Rates for Bluffton, SC from Consumer Reviews & Surveys

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
2000 200,000 Wood Shake Roof 1,710 3 $5000 to $10,000 Deductible 120 1 Stucco siding yes
2013 340,000 Composition Roof 2,130 3 $500 Deductible 1620 7 Brick siding No
2009 340,000 Shingles Roof 3,080 5 $500- $1000 Deductible 770 4 Stone Siding yes
2007 210,000 Membrane Roof 1,730 4 $500- $1000 Deductible 1130 8 Brick siding No
2014 245,000 Membrane Roof 1,680 4 $500- $1000 Deductible 160 1 Stone Siding yes
2004 380,000 Asphalt Shingles Roof 2,340 3 $500 Deductible 1670 9 Fiber-Cement Siding yes
2012 210,000 Metal Roof 1,910 3 $500 Deductible 270 2 Stone Siding No
2012 275,000 Slate Shingles Roof 2,310 3 $1000-$2500 Deductible 900 4 Fiber-Cement Siding No
2002 250,000 Slate Shingles Roof 1,800 3 $5000 to $10,000 Deductible 180 2 Wood siding yes
2008 230,000 Slate Shingles Roof 1,610 4 $2500-$5000 Deductible 140 1 Stucco siding yes
2004 770,000 Composition Roof 4,990 5 $500- $1000 Deductible 1750 4 Stucco siding yes
2010 160,000 Composition Roof 1,420 3 $1000-$2500 Deductible 1000 10 Vinyl siding No
2006 225,000 Wood Shake Roof 1,990 4 $500 Deductible 500 3 Wood siding No
2013 455,000 Tile Roof 2,830 4 $500- $1000 Deductible 3010 12 Wood siding No
2012 630,000 Metal Roof 3,880 5 $5000 to $10,000 Deductible 250 1 Stucco siding yes
2008 430,000 Tile Roof 2,730 5 $1000-$2500 Deductible 840 5 Stucco siding No
2005 235,000 Metal Roof 1,920 3 $1000-$2500 Deductible 980 6 Wood siding yes
2003 285,000 Metal Roof 2,500 5 $500 Deductible 1160 7 Brick siding yes
2010 270,000 Metal Roof 1,990 3 $2500-$5000 Deductible 870 9 Stucco siding yes
2001 320,000 Metal Roof 2,540 5 $5000 to $10,000 Deductible 150 1 Stucco siding yes
2006 175,000 Metal Roof 1,300 3 $5000 to $10,000 Deductible 370 6 Stone Siding No
2012 420,000 Slate Shingles Roof 2,580 4 > $10,000 Deductible 1100 8 Vinyl siding No
2014 205,000 Composition Roof 1,570 3 $1000-$2500 Deductible 840 6 Wood siding No
2013 620,000 Tile Roof 4,660 5 > $10,000 Deductible 710 2 Fiber-Cement Siding yes
2011 325,000 Wood Shake Roof 2,140 5 > $10,000 Deductible 960 9 Wood siding No
2005 480,000 Tile Roof 3,370 4 $1000-$2500 Deductible 2950 12 Stone Siding yes
2008 725,000 Composition Roof 4,900 5 $5000 to $10,000 Deductible 1250 4 Brick siding No
2012 395,000 Slate Shingles Roof 2,530 5 > $10,000 Deductible 1190 8 Wood siding yes
2007 275,000 Tile Roof 1,690 3 > $10,000 Deductible 890 10 Vinyl siding yes
2007 350,000 Slate Shingles Roof 2,500 5 $5000 to $10,000 Deductible 1130 6 Stone Siding yes
2011 265,000 Asphalt Shingles Roof 2,160 4 > $10,000 Deductible 640 6 Brick siding No
2014 285,000 Slate Shingles Roof 2,140 3 $1000-$2500 Deductible 450 4 Vinyl siding yes
2001 530,000 Metal Roof 3,390 4 $5000 to $10,000 Deductible 610 4 Brick siding yes
2009 270,000 Metal Roof 2,050 4 $500- $1000 Deductible 1180 7 Wood siding No

Latest Home Insurance Reviews

Liberty Mutual
I would recommend them. They are really friendly, and never mean. They follow up all the time to make sure I am happy, and the job is done properly.
State Farm
State Farm has been around for years. They are tried and tested over the years with many customers. They are obviously doing things right or they would not still be in business given today's competition.
My rates with assurance are very competitive. i have been insured with their company for quite a few years and have shopped around on occasion to see what competitors offer. each time i see that my rates are one of the best and i have referred friends and family to assurance as a result.
Grange Insurance
Grange has answered my questions when i called. when i needed someone to come out and look at a possible claim they came out right away to look at it. They did not delay payments so that the work could be done.
State Farm
I would recommend this company based on the type of policies offered, the insurance rating of A++, and the price for a great product.
I am pretty satisfied with my insurance company. When i have problems they are prompt with their customer service. I have only needed their help a couple of times over the years and I have had no issues.
I am very happy with our deductible. We have a newer home so we do not have very many issues and the one claim we needed to make we had no problem reaching it and had to pay nothing out of pocket.
The deductible I chose when I purchased the policy is one I researched and felt covered my needs. The premium seemed fair as I shopped around and looked at other prices.
The deductible is not too much in comparison to other home insurance policies. The premium is also much lower than what other companies would do for a house.
My home insurance company offers basically a complete range of coverage options for my home. I would rate it very well.
I believe the policys are virtually the same as other insurance companies offer.
State Farm
We were looking for comparable prices and decided to switch to State Farm and found it gave us a better deal and they were very helpful.
I don't like the fact that i am not aware of these discounts or features until i qualify and an agent brings them to my attention.
State Farm
I like how state farm takes the time to make sure i feel valued as a customer. i have had to use them a few times on things that were torn up by nature on my house and they made sure that i was taken care of and my house was back as it was before if not better.
They respond very quickly to questions and claims but the premiums seem a bit high for this part of the country.
State Farm
Their website seems to be sparse sometimes difficult to navigate
State Farm
The assistant in the agent's office seems to change often, and they don't know the customers. That's too bad because it leaves a bad impression on the company.
I do reccommend this company for home insurance. They were able to get everything set up quickly and are easy to work with.
I would certainly recommend, mostly because of the app and other online features. Every process is easy to complete from the convenience of your smart phone, and I love that.

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