Hilton Head Island Insurance Rates:

Hilton Head Island, SC homeowners insurance is nearly $820 to $1,124, about $68-$93/month. Our all inclusive guide reveals consumers can save upto $389 by getting multiple quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

State Farm
I also like the options and the levels of coverage offered by our insurance company. i like that we can choose our options.
Liberty Mutual
I don't like how expensive my insurance company is to cover our home and cars, they are very high for the competitive market.
State Farm
I like state farm because they are affordable, personable and always there to answer your questions.

Hilton Head Island, SC Homeowners Insurance By Home Value

Hilton Head Island, SC Home Value Total Homes % of Total Average Hilton Head Island, SC Homeowners Insurance
Less than $50,000 634 12.0% $48
$50,000 to $59,999 55 1.0% $97
$80,000 to $89,999 127 2.0% $165
$100,000 to $124,999 233 4.0% $214
$125,000 to $149,999 120 2.0% $272
$150,000 to $174,999 258 5.0% $321
$175,000 to $199,999 231 4.0% $369
$200,000 to $249,999 496 10.0% $447
$250,000 to $299,999 702 14.0% $554
$300,000 to $399,999 1,955 39.0% $700

Top Home Insurance Agents Near Hilton Head Island, SC

Home Insurance Company Near Hilton Head Island, SC Homeowners Insurance Agency Near Hilton Head Island, SC Address
NA Interline Risk Services, Inc. 135 Canal St, Pooler, GA, 31322
Liberty Mutual Independent Brennan & Co Llc 102 EAST LIBERTY STREET FL 3, SAVANNAH, GA, 31401
Travelers Georgia Farm Bureau Brokerage Inc 402 ZOLLER DR, SPRINGFIELD, GA, 31329
Allstate John Copeland 5142 Highway 21, Garden City, GA, 31408
Allstate Thomas Sheehan Ins 144 Habersham St, Savannah, GA, 31401

Cost Of Homeowners Insurance By Street Near Hilton Head Island, SC

Streets in Hilton Head Island Area Homeowners Insurance Cost
Brunson Ct, Woodbine Rd, Stonegate Ct, Georgianna Dr, Ghost Crab Way, Otter, Trinh Palace Way, Manatee Way, Tombee Ct, Elliot Pl$982
Cypress Marsh Dr, Tupelo Rd, Squire Pope Rd, Madison Ln, Jarvis Creek Rd, Bluebell Ln, Ivory Gull Pl, Windflower Way, Dunlin Pl, Stonegate Dr$956
Greenwood Dr, Ribaut Dr, Celosia Ln, Marsh Hawk, Earl Ct, Paddleboat Ln, Warbler Ln, Retreat Ln, Mead Ln, Primrose Ln$996
Harrogate Dr, Royal Crest Dr, Fern Ct, Lark St, Bow Cir, Wren Dr, W Garrison Pl, Yorkshire Dr, Governors Harbor, Castle Hall Ln$920
Thompson St, Plumbridge Cir, King Oak Ct, Devonshire, Pelican St, Nautilas Rd, Wexford Cir, Bridle Ct, Battery Rd, Jacana St$993
Night Hawk St, Woodbine Dr, Sailstock Ln, Salem Rd, Clarendon Ln, Sunset Pl, Steam Gun Pl, Deixler Ln, Newhall Rd, Katie Miller Dr$935
Seabreeze Ct, Merganser Ct, Yardarm, Gannet St, Timbercrest Cir, Office Park Rd, Crooked Pond Dr, Cottonwood Ln, Forest Cove Rd, Lenox Ln$956
Gull Point Rd, Rhiner Dr, Blackgum Pl, S Shore Ct, Blake Pl, Old Fort Ln, Sea Olive Rd, Off Shr, Sylvan Ln, Sweetwater Ln$1,027
Red Boat Rd, Phoebe Ln, Lamotte Dr, Cat Bird Ln, Jingle Shell Ln, Northside Trtr Pk, Lawton Rd, Seaside Sparrow Rd, Wexford on the Grn, Three Mast Ln$1,007
Sanderling Ln, Florencia Ct, Union Cemetery Rd, Gardner Dr, Stonewall Cir, S Shore Dr, Barony Cir, Big Woods Dr, Mizzenmast Ln, Northridge Dr$1,064

Hilton Head Island, SC Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Hilton Head Island$144 to $147
Bluffton$130
Port Royal$125
Beaufort County$131

Hilton Head Island, 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
Bluffton CCD, Beaufort County, South Carolina $130 $173 $260
Port Royal town, South Carolina $125 $166 $249
Beaufort County, South Carolina $131 $175 $263

Hilton Head Island, 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
Hilton Head Island, SC3.4%11.1%
Bluffton4.3%15.56%
Port Royal4.52%16.63%
Beaufort County4.19%14.25%

Hilton Head Island Renters Insurance as a Percentage of Rent

Hilton Head Island Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 57 1.0% $722
$300 to $499 91 2.0% $1172
$500 to $749 474 11.0% $1847
$750 to $999 1,154 27.0% $2597
$1,000 to $1,499 1,612 38.0% $3722
$1,500 or more 777 18.0% $5372

Hilton Head Island, SC Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,900$4,900
Yearly Hilton Head Island Homeowner Insurance Premium Example $3,400$2,800
Out of Pocket Expense During Claim$1,900$4,900
Total Home Insurance Premium for 7 years + Out of Pocket Expense for Claim $25,700$24,500
Net Savings to Hilton Head Island Home Owner from High Deductible Plan $1,200

Hilton Head Island, SC Home Insurance Costs With Home Replacement Value Scenarios

Scenario Hilton Head Island, SC Home Replacement Value MORE than Home Value Hilton Head Island, SC Home Replacement Value LESS than Home Value
Replacement Value $140,000 $85,500
Insurance Premium based on Replacement Value $1,000 $600
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $35,000 Risk Exposure from Under Insuring Coverage is $19,500
Premium Impact Insurance cheaper by $150/year Insurance costlier by $250/year

Example Hilton Head Island Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company State FarmChubb Group of InsuranceTravelers
Monthly Premium 458204498
Year Built 199320142001
Home Details 3 Beds, 2 Baths4 Beds, 2 Baths5 Beds, 3 Baths
Coverage Amount $600000-$700000$500000-$600000$800000-$900000
Deductible $500- $1000 Deductible> $10,000 Deductible$1000-$2500 Deductible

Sample Home Insurance Rates for Hilton Head Island, SC from Consumer Reviews & Surveys

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1995 590,000 Wood Shake Roof 2,420 4 $500- $1000 Deductible 2020 6 Brick siding No
1982 705,000 Wood Shake Roof 3,060 4 $2500-$5000 Deductible 430 1 Stone Siding yes
1993 525,000 Slate Shingles Roof 2,700 5 $5000 to $10,000 Deductible 1850 10 Brick siding yes
2011 360,000 Wood Shake Roof 1,770 4 $1000-$2500 Deductible 700 4 Brick siding yes
1996 465,000 Shingles Roof 1,940 4 $5000 to $10,000 Deductible 1120 6 Stone Siding No
1980 990,000 Composition Roof 3,840 5 $2500-$5000 Deductible 5020 10 Fiber-Cement Siding No
1995 320,000 Shingles Roof 1,590 3 $500 Deductible 1010 5 Vinyl siding yes
1983 570,000 Membrane Roof 2,570 4 $1000-$2500 Deductible 4550 12 Fiber-Cement Siding No
1982 285,000 Shingles Roof 1,320 3 $2500-$5000 Deductible 1460 10 Wood siding yes
2014 540,000 Metal Roof 2,230 4 $500- $1000 Deductible 330 1 Brick siding yes
2002 680,000 Asphalt Shingles Roof 2,630 4 $2500-$5000 Deductible 2310 6 Stucco siding No
1996 770,000 Slate Shingles Roof 2,870 4 $500 Deductible 3680 5 Stucco siding No
1996 1,075,000 Wood Shake Roof 4,560 5 $2500-$5000 Deductible 1080 2 Wood siding No