Port Royal, SC homeowners insurance is nearly $699 to $970, about $58-$80/month. Our thorough research shows customers can save as much as $333 by comparing multiple quotes. Enter your zipcode below and click “GO” to get multiple free quotes.
| Port Royal, SC Home Value | Total Homes | % of Total | Average Port Royal, SC Homeowners Insurance |
|---|---|---|---|
| Less than $50,000 | 99 | 12.0% | $108 |
| $60,000 to $69,999 | 77 | 9.0% | $283 |
| $90,000 to $99,999 | 14 | 1.0% | $425 |
| $100,000 to $124,999 | 39 | 4.0% | $492 |
| $125,000 to $149,999 | 38 | 4.0% | $608 |
| $150,000 to $174,999 | 120 | 15.0% | $725 |
| $175,000 to $199,999 | 89 | 11.0% | $834 |
| $200,000 to $249,999 | 191 | 24.0% | $1009 |
| $250,000 to $299,999 | 54 | 6.0% | $1225 |
| $300,000 to $399,999 | 54 | 6.0% | $1559 |
| Home Insurance Company Near Port Royal, SC | Homeowners Insurance Agency Near Port Royal, SC | Address |
|---|---|---|
| NA | Bb&T Insurance Services, Inc | 2280 E. Victory Dr. , Savannah, GA, 31404 |
| NA | Seacoast Brokers Llc | 88 A Main St. , Hilton Head Island, SC, 29926 |
| Nationwide | David A Perry & Associates Inc. | 23 Plantation Park Dr STE 201, Bluffton, SC, 29910 |
| State Farm | Emily Laplante | 3575 Maybank Hwy Ste H, Johns Island, SC, 29455-4871 |
| Travelers | Thomas J Sheehan Insurance Co. | 144 HABERSHAM ST, SAVANNAH, GA, 31401 |
| Streets in Port Royal Area | Homeowners Insurance Cost |
|---|---|
| Scheper Ln, Seabrook Pl, Harford, Shadow Moss Dr, Seastover, Crippled Oak Rd, Peacock Run, Scipio Rd, Pin Drop Ln, Barrel Landing Rd | $1,057 |
| Distant Island Dr, Otter Cir, Waters Ave, Assembly Row, Saipan St, Lagaree Ct, Pinckney Rd, Adventure St, Singleton Hill Cir, Old Grinkley Pl | $814 |
| Pinckney Retreat, Dover Ln, Cherry Blvd, State Rd S-7-40, Euhaw St, County Shed Rd, Inlet Rd, Thomasina Dr, State Hwy 280, Wisteria Ln | $868 |
| Glaze Dr, S Hermitage Rd, Powell Dr, 13th St, Sergeant Dr, Lady's Island Cmn, Sunset Cir N, Dusty Cir, Landon Way, Hillside Ct | $815 |
| Fyall St, Qualls Ln, Battery Point Ln, Frederick Place Cir, Groton Cir, Fox Island Ln, Joe Frazier Rd, State Rd S-7-636, State Hwy 281, Manigault Neck | $990 |
| State Rd S-7-466, W Belleview Cir, Ray Cir, Clydesdale Cir S, Rhoda St, Abbey Row, Terry Lee Dr, Spring Island Dr, Saunders Rd, Ellis Pl | $808 |
| Wright's Point Cir, State Rd S-7-596, Preserve Ave W, Forest Fields Rd, Orange Ct, Hermitage Rd, State Rd S-7-627, McChesney Ln, Hamar St, Rugrack Rd | $840 |
| Barksdale Ln, Wolverine Dr, Pleasant View Ln, Shiloh Ct, Wickecliff Pl, Hermitage Pt, Smilax Ave, King St, Gerald Ln, Yemassee Trace Rd | $851 |
| State Rd S-7-538, Bosnia Ave, Brenda Ln, Clark St, Paul Dr, Acorn Hill Ave, Congress St, Shipwright Cir, Village Cir, State Rd S-7-493 | $861 |
| Roseida Rd, Cydette Ln, Gay Dr, State Rd S-7-526, Stono Ct, Walnut St, Battery Creek Rd, Pond Side, Dawn St, Anchorage Way | $819 |
| Place | Savings For Senior Occupied Homes |
|---|---|
| Port Royal | $123 to $127 |
| Beaufort County | $131 |
| Shell Point | $125 |
| Beaufort-Port Royal | $123 |
| Place | 1 Car Bundle Savings On Insurance | 2 Car Bundle Savings On Insurance | 3 Car Bundle Savings On Insurance |
|---|---|---|---|
| Beaufort County, South Carolina | $110 | $146 | $219 |
| Shell Point CDP, South Carolina | $105 | $139 | $209 |
| Beaufort-Port Royal CCD, Beaufort County, South Carolina | $103 | $137 | $206 |
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| Port Royal, SC | 4.5% | 16.6% |
| Beaufort County | 4.19% | 14.25% |
| Shell Point | 5.39% | 18.31% |
| Beaufort-Port Royal | 5.04% | 15.47% |
| Port Royal Home By Monthly Rent | Total Homes | % of Total | Estimated Monthly Income To Afford Rented House Including Renters Insurance |
|---|---|---|---|
| Less than $200 | 23 | 1.0% | $335 |
| $200 to $299 | 55 | 3.0% | $785 |
| $300 to $499 | 23 | 1.0% | $1235 |
| $500 to $749 | 185 | 12.0% | $1910 |
| $750 to $999 | 576 | 39.0% | $2660 |
| $1,000 to $1,499 | 404 | 27.0% | $3785 |
| $1,500 or more | 205 | 13.0% | $5435 |
| Low Deductible | High Deductible | |
|---|---|---|
| Deductible | $1,800 | $4,800 |
| Yearly Port Royal Homeowner Insurance Premium Example | $1,600 | $1,100 |
| Out of Pocket Expense During Claim | $1,800 | $4,800 |
| Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim | $14,600 | $13,600 |
| Net Savings to Port Royal Home Owner from High Deductible Plan | $1,000 | |
| Scenario | Port Royal, SC Home Replacement Value MORE than Home Value | Port Royal, SC Home Replacement Value LESS than Home Value |
|---|---|---|
| Replacement Value | $267,000 | $175,000 |
| Insurance Premium based on Replacement Value | $1,950 | $1,275 |
| Risk Exposure from Under Insuring Coverage | Unnecessary Home Insurance Coverage of $55,000 | Risk Exposure from Under Insuring Coverage is $37,000 |
| Premium Impact | Insurance cheaper by $275/year | Insurance costlier by $400/year |
| Insurance Company | State Farm | Chubb Group of Insurance | Liberty Mutual |
| Monthly Premium | 190 | 53 | 94 |
| Year Built | 1994 | 1985 | 2010 |
| Home Details | 4 Beds, 2 Baths | 2 Beds, 1 Baths | 3 Beds, 2 Baths |
| Coverage Amount | $400000-$500000 | $75000-$100000 | $200000-$250000 |
| Deductible | $2500-$5000 Deductible | $500- $1000 Deductible | $2500-$5000 Deductible |
| Year Built | Home Value | Roof Type | Sqft | Number of Bedrooms | Deductible | Premium | Premium Months | Siding Type | Smoker/Non Smoker |
|---|---|---|---|---|---|---|---|---|---|
| 2013 | 95,000 | Slate Shingles Roof | 1,080 | 2 | $2500-$5000 Deductible | 300 | 8 | Brick siding | No |
| 1992 | 170,000 | Metal Roof | 1,420 | 3 | $1000-$2500 Deductible | 1120 | 9 | Vinyl siding | No |
| 1986 | 180,000 | Tile Roof | 1,950 | 4 | $500- $1000 Deductible | 130 | 1 | Brick siding | No |
| 2012 | 350,000 | Tile Roof | 2,770 | 5 | $2500-$5000 Deductible | 200 | 1 | Wood siding | No |
| 2010 | 355,000 | Wood Shake Roof | 2,950 | 5 | $500- $1000 Deductible | 820 | 3 | Stone Siding | yes |
| 1998 | 195,000 | Metal Roof | 1,680 | 5 | $2500-$5000 Deductible | 250 | 2 | Wood siding | No |
| 1980 | 135,000 | Tile Roof | 1,450 | 3 | $500- $1000 Deductible | 690 | 8 | Fiber-Cement Siding | No |
| 1984 | 190,000 | Asphalt Shingles Roof | 2,100 | 5 | $500- $1000 Deductible | 950 | 9 | Brick siding | No |
| 1986 | 275,000 | Metal Roof | 2,180 | 3 | $5000 to $10,000 Deductible | 1200 | 8 | Wood siding | yes |
| 2014 | 200,000 | Composition Roof | 2,340 | 4 | $1000-$2500 Deductible | 630 | 5 | Stone Siding | yes |
| 2013 | 235,000 | Slate Shingles Roof | 1,850 | 3 | $2500-$5000 Deductible | 1440 | 10 | Vinyl siding | yes |
| 1982 | 145,000 | Metal Roof | 1,670 | 4 | $500- $1000 Deductible | 510 | 5 | Fiber-Cement Siding | No |
| 1994 | 150,000 | Membrane Roof | 1,490 | 2 | $500- $1000 Deductible | 310 | 4 | Vinyl siding | No |
| 1990 | 125,000 | Wood Shake Roof | 1,170 | 2 | $1000-$2500 Deductible | 680 | 10 | Vinyl siding | No |
| 1993 | 160,000 | Slate Shingles Roof | 1,740 | 3 | $500- $1000 Deductible | 190 | 2 | Fiber-Cement Siding | No |
| 1980 | 170,000 | Asphalt Shingles Roof | 1,580 | 3 | $5000 to $10,000 Deductible | 540 | 8 | Wood siding | No |
| 2013 | 125,000 | Asphalt Shingles Roof | 1,350 | 3 | $1000-$2500 Deductible | 260 | 4 | Fiber-Cement Siding | No |
| 1985 | 175,000 | Asphalt Shingles Roof | 1,420 | 2 | $1000-$2500 Deductible | 60 | 1 | Stone Siding | yes |
| 1994 | 150,000 | Shingles Roof | 1,160 | 2 | $1000-$2500 Deductible | 700 | 8 | Stucco siding | No |
| 2010 | 285,000 | Metal Roof | 3,140 | 4 | > $10,000 Deductible | 90 | 1 | Wood siding | yes |
| 2014 | 255,000 | Shingles Roof | 2,150 | 3 | $500 Deductible | 170 | 1 | Fiber-Cement Siding | No |
| 1992 | 155,000 | Shingles Roof | 1,280 | 2 | $1000-$2500 Deductible | 340 | 4 | Fiber-Cement Siding | No |
| 2012 | 175,000 | Wood Shake Roof | 1,720 | 2 | $1000-$2500 Deductible | 450 | 6 | Stucco siding | yes |
| 1980 | 170,000 | Asphalt Shingles Roof | 1,750 | 4 | $2500-$5000 Deductible | 300 | 3 | Brick siding | No |
| 2011 | 165,000 | Shingles Roof | 1,420 | 2 | $500 Deductible | 330 | 3 | Stone Siding | No |
| 2011 | 275,000 | Tile Roof | 3,140 | 4 | $5000 to $10,000 Deductible | 110 | 1 | Wood siding | No |
| 1985 | 245,000 | Metal Roof | 2,580 | 5 | $500 Deductible | 1570 | 9 | Fiber-Cement Siding | No |
| 2002 | 270,000 | Asphalt Shingles Roof | 2,390 | 3 | $500 Deductible | 870 | 4 | Vinyl siding | No |
| 1984 | 405,000 | Wood Shake Roof | 3,570 | 5 | $2500-$5000 Deductible | 2030 | 12 | Stucco siding | yes |
| 2013 | 260,000 | Composition Roof | 2,380 | 4 | $1000-$2500 Deductible | 790 | 6 | Stucco siding | No |
| 1994 | 275,000 | Metal Roof | 2,870 | 4 | $500 Deductible | 350 | 2 | Vinyl siding | No |
| 1999 | 215,000 | Metal Roof | 2,490 | 4 | $500 Deductible | 1100 | 7 | Fiber-Cement Siding | No |
| 2007 | 305,000 | Asphalt Shingles Roof | 2,580 | 4 | $500 Deductible | 210 | 1 | Wood siding | yes |
| 1989 | 125,000 | Asphalt Shingles Roof | 1,450 | 2 | $1000-$2500 Deductible | 140 | 2 | Vinyl siding | No |