Charleston, SC Home Insurance - Analysis On Quotes, Rates & Agents

Charleston, SC Insurance Rates:

The average cost of home insurance in the U.S. is $1,438. But, the cost of home insurance in a specific region depends on various factors including Zip Code, age, and value of the house, construction time, etc. The average cost of insurance in Charleston, SC is $1544 Enter your Zip Code in the banner below to get instant home insurance quotes. vHomeInsurance undertook a detailed analysis of the cost of insurance in Charleston, SC.

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Average Home Insurance Premium in Charleston, SC

National Average Premium State Average Premium Charleston Average Premium
$1,438 $989 $1,544

Top Home Insurance Companies in Charleston, SC | Back to Top

The following is a list of home insurance companies that provide the best home insurance quotes in Charleston, SC

Company Name Coverage $70,000 Coverage $150,000 Coverage $200,000 Coverage $350,000
Aaa $969 $1,163 $1,512 $2,086
Farmers $1,460 $1,752 $2,277 $3,142
State Farm $1,532 $1,838 $2,390 $3,298
Safeco $1,421 $1,705 $2,216 $3,058

Charleston, SC Homeowners Insurance for Different Coverages | Back to Top

Coverage Type Home Insurance Cost($)
$100,000 To $124,999 546.64
$150,000 To $174,999 732.27
$175,000 To $199,999 893.08
$200,000 To $249,999 1,017.95
$250,000 To $299,999 1,647.46
$300,000 To $399,999 2,232.5
$400,000 To $499,999 2,621.55
$500,000 To $749,999 3,355.58
$750,000 To $999,999 3,879.89
$1000,000 To $1499,999 4,273.12
$1500,000 To $2000,000 4,587.71

Visual Guide for Charleston, SC Home Insurance Buyers on Insurance Companies and Rates

Top Home Insurance Agents Near Charleston, SC | Back to Top

Home Insurance Company Near Charleston, SC Homeowners Insurance Agency Near Charleston, SC Address
Travelers Absolute Insurance Agency Llc 435 OLD TROLLEY RD, SUMMERVILLE, SC, 29485
Liberty Mutual Independent King Street Agency 557 King Street Second Floor, Charleston, SC, 29403
State Farm Mark Ensley 2301 Bacons Bridge Rd, Summerville, SC, 29485-4425
Travelers Pinckney Carter Company 1956 REMOUNT RD, NORTH CHARLESTON, SC, 29406
Travelers W Lee Taylor Jr Agcy Inc 100 S MAIN ST STE P, SUMMERVILLE, SC, 29483

List of Charleston, SC Home Insurance Agents by Companies


Charleston, SC Homeowners Insurance Rates Based on Claims Filed | Back to Top

Homeowners in Charleston, SC who have no previous history of claims filed are eligible for a discount of $185.28. Homeowners in Charleston, SC with one claim have to pay an additional home insurance rate of $93, while homeowners with 2 claims have to pay an additional $201 on their home insurance premium.

Type of Claim Homeowners Insurance Cost Increase/Decrease($) Homeowners Insurance Cost($)
No Claim Discount -185 1,359
One Claim +93 1,637
Two Claim +201 1,745


Charleston, SC Homeowners Insurance by Zip Code | Back to Top

Zip Code Median Home Value($) Home Insurance Cost($)
29404 9,999 1,459
29401 898,400 1,563
29403 291,300 1,459
29412 258,800 1,563
29407 230,700 1,459
29414 213,000 1,451
29420 163,700 1,566
29418 133,800 1,459
29405 112,200 1,482

Factors Affecting Home Insurance Premiums in Charleston, SC

The average home insurance premium in Charleston, SC is $1544. There are various factors in Charleston, SC that affect home insurance premiums. vHome Insurance lists the factors that could help homeowners reduce their home insurance rates.

Charleston, SC Home Insurance Premium Based on the Number of Bedrooms | Back to Top

Bedroom Size Average Homeowners Insurance Cost($)
2 Bedroom 1,127
3 Bedroom 1,208
4 Bedroom 2,577
5 Bedroom 2,738

Charleston, SC Home Insurance Premiums for Different Deductibles | Back to Top

Charleston, SC Homeowners who pay a deductible of $500 pay a higher amount for home insurance, while Charleston, SC homeowners who pay a deductible as high as $2500 pay a lower amount on their home insurance rates, as seen in the table below.

Deductible Type Average Homeowners Insurance Cost($)
$500 Deductible 1,525
$1000 Deductible 1,380
$1500 Deductible 1,299
$2000 Deductible 1,179
$2500 Deductible 1,109

Charleston, SC Homeowners Insurance Premium Based on the Age of the Home | Back to Top

Homeowners in Charleston, SC pay a much lower home insurance rate if their homes are newly constructed. Homeowners with homes that are older than 50 years pay a much higher rate on their home insurance premium as seen in the table below.

Home Age Homeowners Insurance Cost($)
Newly Constructed Home 1,173
Year 30 Old 1,567
Year 40 Old 1,584
Year 50 Old 1,603
Above Year 50 1,618

Charleston, SC Homeowners Insurance Cost Based on the Construction Type of the Home | Back to Top

Construction Type Home Insurance Cost Savings($) Home Insurance Cost($)
Fire Resistive 154 1,390
Masonry 77 1,467
Brick 77 1,467
Superior 139 1,405
Hail Resistant Roof 46 1,498

Top Saving Tips on Charleston, SC Homeowners Insurance | Back to Top

Homes that are built using sturdy materials have less propensity to damage. Owing to this, Charleston, SC homes built with sturdy materials earn discounts on homeowners insurance. Charleston, SC homeowners who have clubbed their auto insurance policy with home insurance also receive discounts from home insurance companies. Apart from this, home insurers provide discounts to Charleston, SC senior citizens. Charleston, SC homes attract a considerable amount of discounts depending on the type of home safety devices installed in the household.

The tables below contain the complete list of discounts that Charleston, SC homeowners can avail to increase their savings.

Charleston, SC Auto & Homeowners Insurance Bundling Discounts and Senior Citizen Discounts

Discount Type Home Insurance Cost Savings($) Home Insurance Cost($)
Bundle Discount 293 1,251
Retiree Discount (Senior Citizen Discount) 216 1,760
Newly Constructed Home 371 1,173

Charleston, SC Home Insurance Discounts for Home Safety Devices | Back to Top

Home Safety Devices Home Insurance Cost Savings($) Home Insurance Cost($)
Deadbolts 201 1,343
Fire Extinguishers 154 1,390
Smoke Detectors 185 1,359
Sprinkler System 154 1,390
Fire Alarm 77 1,467
Burglar Alarm 139 1,405
Lightning Protection 46 1,498

Latest Home Insurance Reviews

Progressive
I would recommend this company because they have lower rates than other insurance companies.
State Farm
I would recommend State Farm Insurance your home insurance. Their rates are very competitive if not better than the others.
State Farm
They have great customer service. I have had to use them before, and they were able to help with my concerns.
State Farm
I would absolutely recommend this home insurance provider to anybody that was looking for home insurance.They are quick to respond and take care of claims.
Allstate
the are not reliable and i have had to call them numerous time and nobody ever answers my questions and I get the run around i rate them a 1 and will change after this year
State Farm
I love them so far since I have been with them for two years. Never had any real problem and they are always there to help and the office is really close to me.
Progressive
Honestly, I just went along with the easiest option that worked for my family. I didn't look too hard into other options available to me.
Allstate
When I was shopping to purchase home insurance, I always look for good customer service and ease of claim processing. This home insurance company filled that box for me.
Liberty Mutual
Liberty Mutual earned a low overall customer satisfaction rating in the 2017 J.D. Power study of homeowners insurance companies. .
Allstate
COVERAGE OF INSURANCE FOR LIFE IS VERY ESSENTIAL. ENTIRE FAMILY INCLUDING KID MUST BE COVERED WITH INDIVIDUAL INSURANCE.
Farmer's Insurance
We have a low deductible for most occurrences and some issues doesn't have any deductible.
State Farm
I have not had to file a claim yet. I have had issues to report on because of this but I have never had any issues calling in to make payments or discuss coverage.
State Farm
They are horrible. Great to sign up and get you to add stuff but bad when you need to file a claim
Travelers
I dont recall the deductible but it is modest and the premium is in line with other insurance companies perhaps modestly on the high side.
Allstate
I contacted a representative at this insurance company to get quotes for home insurance and they got back to me quickly with all the information. I'd rate it a 5.
Allstate
Our contact with the local agent has always been a good experience. they have been helpful and friendly whenever we needed assistance.
Farmer's Insurance
It can take a very long time to get in touch with a customer service person or an agent. sometimes when i need them, the waits are long even though to me it's an urgent situation.
Allstate
I am still a bit annoyed that when I first signed up there were several pieces of information that were entered incorrectly. It only took a few calls but eventually, things were resolved.
State Farm
The communication is good and the interaction helps me understanding my policy better than some companies I tried to work with.
Geico
I have only had experience with setting up insurance and never since, but at that time the interaction was friendly and efficient. I had no complaints at all.
State Farm
Progressive's customer service has always been helpful and prompt. They're easy to reach in the event of a problem and readily answer any questions I have.
Geico
It is easy to pay our bills online. The company has super low rates. We have a mobile home, and not all companies will insure them.
Travelers
They are good when I need something taken care of. They seem to have an easy solution for everything. Quick claims and other stuff are a reason I won't leave them.
Allstate
Nothing to compare to other company insurance and in this company was paid an amount is a due method it's very comfortable to me
Allstate
I like how easily accessible the company's customer service is, anytime I have a question all I have to do is make a quick phone call and someone is eager to help
State Farm
The rep is very nice and attentive checking to see how we are enjoying our new home even though that is not in the job description
Progressive
I don’t like that I’m not able to access their mobile app on my older iPhone that I have, but I’m able to use the mobile app on the newer phone that I have.
Allstate
I like how friendly and helpful their representatives are. They always have an answer for my questions and if they don't they find me someone who does. They're also very respectful.
Esurance
I would recommend Esurance for home insurance as I'm using them for apartment coverage. If you have a home you may want a bigger company that will cover more assets and have more readily available customer service.
Farmer's Insurance
I would not recommend them only because of their lack of communication. If they were better about making sure we knew when our deadline was for papers, and being very clear about our options on each policy and did not just sign us up for things we did not need or want, I would maybe give them a recommendation.
Liberty Mutual
From what I have heard, dealing with them for an accident is an issue. I don't believe the rate that I received is even available anymore, so I would probably suggest another company to a friend.
Allstate
So far we have had no problems with our insurance company and we have been with them for almost 5 years.
Geico
I do recommend this company because they have great customer service and they have apps, you can get easy access to questions or anything that you might need.
Farmer's Insurance
Personal contact and quick resolution of open questions. If my main contact isn't available, someone else picks up the work within the same workweek, typically.
American Strategic Insurance
There is nothing I can say that I am dissatisfied with my insurance agency.
State Farm
I like the speed and accuracy of the claims process and the ease of filing and paying Bill's. Customer service is friendly and knowledgeable.
St. Johns Insurance Company
They have an affordable premium, and it is rolled into our mortgage payment each month, which is convenient. In eleven years we have filed one claim, and although it took a long time and lots of negotiation to settle the claim, they did finally issue me a check, and I was satisfied with the amount.