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

North 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 North Charleston, SC is $1028 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 North Charleston, SC.

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Average Home Insurance Premium in North Charleston, SC

National Average Premium State Average Premium North Charleston Average Premium
$1,438 $989 $1,028

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

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

Company Name Coverage $70,000 Coverage $150,000 Coverage $200,000 Coverage $350,000
Geico $902 $1,082 $1,407 $1,942
Allstate $1,535 $1,841 $2,394 $3,303
Safeco $1,421 $1,705 $2,216 $3,058
Farmers $1,393 $1,672 $2,174 $3,000

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

Coverage Type Home Insurance Cost($)
$100,000 To $124,999 662.77
$150,000 To $174,999 940.06
$175,000 To $199,999 1,094.96
$200,000 To $249,999 1,243.53
$250,000 To $299,999 2,085.81
$300,000 To $399,999 2,642.63
$400,000 To $499,999 3,319.42
$500,000 To $749,999 4,248.85
$750,000 To $999,999 4,912.74
$1000,000 To $1499,999 5,410.65
$1500,000 To $2000,000 5,808.98

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

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

Home Insurance Company Near North Charleston, SC Homeowners Insurance Agency Near North Charleston, SC Address
Liberty Mutual Independent Arthur J Gallagher Risk Mngt Serv Inc 600 SEACOAST PKWY, MT PLEASANT, SC, 29464
Allstate Christopher Von Lehe 593 Belle Station Blvd, Mount Pleasant, SC, 29464
Travelers Iii-Metts Insurance Agency Inc-Trolley Rd 705-C OLD TROLLEY RD, SUMMERVILLE, SC, 29485
Travelers Pinckney Carter Company 1956 REMOUNT RD, NORTH CHARLESTON, SC, 29406
Travelers Santee Insurance Center Inc 8812 Old Sc #6 Highway Santee, Santee, SC, 29142

List of North Charleston, SC Home Insurance Agents by Companies

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

Homeowners in North Charleston, SC who have no previous history of claims filed are eligible for a discount of $133.64. Homeowners in North 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 $123 on their home insurance premium.

Type of Claim Homeowners Insurance Cost Increase/Decrease($) Homeowners Insurance Cost($)
No Claim Discount -134 894
One Claim +93 1,121
Two Claim +123 1,151

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

Zip Code Median Home Value($) Home Insurance Cost($)
29406 126,800 956

Factors Affecting Home Insurance Premiums in North Charleston, SC

The average home insurance premium in North Charleston, SC is $1028. There are various factors in North Charleston, SC that affect home insurance premiums. vHome Insurance lists the factors that could help homeowners reduce their home insurance rates.

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

Bedroom Size Average Homeowners Insurance Cost($)
2 Bedroom 497
3 Bedroom 1,366
4 Bedroom 1,986
5 Bedroom 2,793

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

North Charleston, SC Homeowners who pay a deductible of $500 pay a higher amount for home insurance, while North 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 1,016
$1000 Deductible 919
$1500 Deductible 865
$2000 Deductible 785
$2500 Deductible 738

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

Homeowners in North 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 771
Year 30 Old 1,043
Year 40 Old 1,055
Year 50 Old 1,067
Above Year 50 1,077

North 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 113 915
Masonry 51 977
Brick 51 977
Superior 93 935
Hail Resistant Roof 31 997

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

Homes that are built using sturdy materials have less propensity to damage. Owing to this, North Charleston, SC homes built with sturdy materials earn discounts on homeowners insurance. North 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 North Charleston, SC senior citizens. North 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 North Charleston, SC homeowners can avail to increase their savings.

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

Discount Type Home Insurance Cost Savings($) Home Insurance Cost($)
Bundle Discount 195 833
Retiree Discount (Senior Citizen Discount) 144 1,172
Newly Constructed Home 257 771

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

Home Safety Devices Home Insurance Cost Savings($) Home Insurance Cost($)
Deadbolts 123 905
Fire Extinguishers 113 915
Smoke Detectors 82 946
Sprinkler System 93 935
Fire Alarm 82 946
Burglar Alarm 93 935
Lightning Protection 41 987

Latest Home Insurance Reviews

Liberty Mutual
I would recommend this company to anyone because they really are down on your level. They aren't pushy sales people that call you and hound you to add more to your coverage.
My coverage is pretty good, $20,000 more insurance for less per year than other companies were offering. I checked rates just last week.
St. Johns Insurance Company
The adjusters st johns sent were very professional and courteous when entering my home, going so far as to recommend other items i may want to get looked at.
Farmer's Insurance
I selected this company based on pricing, customer reviews, and coverage. The coverage seems adequate for my needs.
State Farm
I would recommend them, if only so that you don't have future claims denied or have to deal with a new company going under and being unable to pay out on claims in the event of an emergency.
St. Johns Insurance Company
St. Johns had a reasonable deductable in comparison to the other companies we looked at. My husband and I would be able to make the deductable easily even with no notice.
Farmer's Insurance
I moved my insurance to Farmers because it is cheaper. I am lucky not to have had any claims yet. SoI really have not had any contacts with them... so far so good.
The premium is higher than i would like to pay, but you pay for what you get, and my deductible is fair. Other companies charge similar, but this one seemed to fit my needs better.
State Farm
My deductible for my insurance is basically the same as the other insurance companies that I researched. There really wasn't a big difference between them. My deductible is 500 which is pretty standard in the industry.
Geico will treat you right and like a human if you have any issues. Their rates are affordable, and I have always been happy with them.
State Farm
I would definitely recommend State Farm to my friends and family because they have been a great insurance company for my family and myself. I have not had any issues in the 11 years that I have used State Farm.
Liberty Mutual
Liberty Mutual Auto Insurance has a higher overall rating than State Farm Auto Insurance. ... However, State Farm scores better on Financial Stability, and Automation. Both companies score similarly on Financial Strength.
My premuimn is pretty good, it does not rise to much even when I have an accident and I can afford it so all in all I am satisfied
My premium and deductible are on par with other home insurance companies. I do compare rates every year or so with other companies. I have remained with my company for over five years now due to their competitiveness on price and service.
Liberty Mutual
I completely recommend liberty mutual, they were helpful for us navigating the process, they send us reminders and alerts for payment issues when our mortgage was sold to another company.
They were late applying our insurance payment to our account and said that we were behind when we were not. they didn't resolve the issue, yet
State Farm
My insurance company is a state farm insurance company. i like them because they have a great reputation in my neighborhood.
I enjoy using the company website primarily for paying my auto insurance premium. It is convenient and easy to navigate.
State Farm
I think that my premium could be a lot cheaper but I need to search around more.
State Farm
We chose this company primarily because of the amount of coverage they after are the biggest bang for the buck, especially when bundled with our auto insurance.
They have the lowest rates and best coverage when compared to all other competitors I searched for. Their coverage was far superior to all other insurance agencies.