Check out the most popular Home Insurance agencies & companies in Bluffton, SC & compare the best quotes from them.

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Average Cost of Home Insurance Bluffton, SC

Bluffton is located between Hilton Head Island and Interstate 95. The cost of home insurance is relatively high in Bluffton because of the insignificant climate all year long. Bluffton has a humid subtropical climate with very mild winters, sweltering summers, and substantial rainfall in the form of thunderstorms. Homes in Bluffton are more prone to damage due to these conditions. Hence, the average cost of homeowners insurance in Bluffton, SC, is higher than the national average premium. The average cost of home insurance Bluffton, SC, is $1383.3.

Here are a few ways to further reduce your homeowners insurance in Bluffton, SC.

a. Opt for a higher deductible

A straightforward way to reduce your homeowners insurance in Bluffton, SC, is by opting for a higher deductible. Higher deductible leads to a decrease in the cost of insurance. The deductible is the amount of money a homeowner pays out of pocket before their insurance policy pays any claims.

Here, homeowners in Bluffton who are paying a deductible of $1000 can avail of a discount of $146.3 on homeowners insurance. Homeowners receive discounts of $219.3 and $326.3, respectively, on deductibles of $1,500 and $2,000.

Refer to the chart below to gain a clear insight on the applicable rates based on the deductible opted by the policyholder.

Average_Cost_of_Home_Insurance_Bluffton_SC

b. Maintain zero claims history

Homeowners in Bluffton can take advantage of lower premiums by having a claims-free history. Policyholders who have their home insurance policy without any claims in the past can get premium discounts. For instance, homeowners with zero claims history have to pay only $1218 on their home insurance premium. In contrast, homeowners with one or two claims have to pay a premium of 1467 and 1564, respectively, on homeowners insurance.

c. Install security features at home

Homes with advanced security features, i.e., smoke detectors, deadbolts, fire extinguishers, and fire alarms, pay less premium on their homeowner insurance. With this in mind, homeowners who have installed deadbolts and smoke detectors at home pay $1245 and $1234, respectively. In contrast, homeowners who have installed sprinkler systems and fire alarms pay $1204 and 1273, respectively, on their homeowners insurance in Bluffton.

Top Home Insurance Companies in Bluffton, SC

Home Insurance Company A.M. Best Financial Strength Rating Homeowners Insurance Market share
Allstate A+ 9.81%
Travelers A++ 5.58%
Liberty Mutual A 4.83%
Nationwide A+ 4.76%
Erie A+ 2.8%

Top Liberty Mutual Home Insurance Agents in Bluffton, SC

Homeowners Insurance Agents Agent Address Contact Details
Nicholas Tillman 102 EAST LIBERTY STREET FL 3
31401
(912) 650-3980
Nicholas Walker 8401 WATERS AVE
31406
(912) 352-4444
Katelyn Mccarty 701 1ST ST W
29924
803-943-2911
Sharghi Lyles 129 Willow Lane
30415
Patrick Attilio 5032 AUGUSTA RD
31408
(912) 964-2781

Top Nationwide Home Insurance Agents in Bluffton, SC

Homeowners Insurance Agents Agent Address Contact Details
W. Mack Sykes 8008 East Main St.
29936
Charles E Courtney 114 Canal St Ste 103
31322-4153
912-748-7300
Michael A Mcguire Agency 201 Merchant St
29926-1632
(843) 681-2442
D R Miller Agency Incorporated 6710 Johnny Mercer Blvd
31410-0400
912-897-3333
Nicholas Vaglica Agency 7303 ABERCORN ST STE F
31406
(912) 354-8898
Michael L Travis-Travis Insurance Agency Inc 2631 Boundary Street
29906
843-522-0302
Michael C. Durkin 507 E Montgomery Crossroads
31406
(912) 355-9814
Michael J Romeo 7601 Waters Avenue Suite M
31406
(912) 352-1271
Michael J Wilkinson 7601 Waters Avenue, Suite M
31406
(912) 352-1271
Hendrixson Agency Llc 2102 E VICTORY DR
31404
912-927-1011

Top Erie Home Insurance Agents in Bluffton, SC

Homeowners Insurance Agents Agent Address Contact Details
Summit Ridge Insurance Llc 6811 Waters Ave
31406
Colony Insurance Agency Llc 270 Robertson Blvd
29488-2753
843-549-1880
Patrick B Casper Ins Agency Inc 1001 WHITAKER ST
www.patrickcasperinsurance.com 31401
(888) 544-1999
Lincoln Hills Insurance Agency Inc. 402 ZOLLER DR
31329
912-754-3713
Stuart P Smith 2 Westbury Parkway Ste 103
29910
Kurland Insurance Agency Inc 330 N LUCAS ST
www.kurlandinsurance.com 29488
843-549-6179
Email:kiagency@kurlandinsurance.com

Top Travelers Home Insurance Agents in Bluffton, SC

Homeowners Insurance Agents Agent Address Contact Details
Dudley R Thompson Insurance Inc 2 Park Of Commerce Blvd Ste E2
31405
(912) 352-9860
Insurance Agency Services Llc 1 CORPUS CHRISTIE STE 115
29928
843-681-2221
Insurance Agency Services Llc 28 KEMMERLIN LN
29907
843-524-4500
Beullah Agency & Tax Service Incorporated 1284 Ribaut Rd
29902-6143
843-524-7531
Strategic Insurance Alliance 102 E Liberty St 102 E Liberty St
www.compareinsurancetn.com 31401
Michael A Miller Ins Agcy Inc 23 Plantation Park Dr STE 201
29910
(843) 757-7774
Email:mmiller@smartchoiceagents.com
Aaa - Eugene 401 Elm St W
29924-3207
803-943-3816
Four Star Insurance Agency Inc 465 Spruce St
www.fourstarinsurance.com 29488
(843) 549-7777
Email:agency@fourstarinsurance.com
Lincoln Ins Group Llc 5877 HWY 21 SOUTH
www.lincolninsgroup.com 31326
912-826-5264
Email:service@lincolninsgroup.com
Blumberg & Associates Inc 4919 Augusta Rd
31408-1730
912-964-5535

Top Allstate Home Insurance Agents in Bluffton, SC

Homeowners Insurance Agents Agent Address Contact Details
Fontaine Boutwell 144 Habersham St
31401
(912) 650-2800
Hendry County Ins 1008 ASHLEY ROAD
31410
912-897-6646
Patrick Bailey 7805 WATERS AVE STE 10A
31406
912-353-7200
Clark Insurance 1935 E Victory Dr
31404-3737
912-356-0215
Dennis Owens 42 New Orleans Rd Ste 100
29928
(843) 842-2100
Katharine Adams-Love 1104 N JEFFERIES BLVD
29488
843-549-3218
Joe Gregoline 31 CONSTITUTION WAY STE B
31324
912-756-5942
Dennis P. Couvillon 215 W Collins St
31322
(912) 748-6639
Frank Gargin 11258 Ford Ave Ste 10
31324
(912) 756-6394
Joe Hancock 400 MALL BLVD STE M
31406
912-355-1311

Homeowners Insurance Comparison for the Cheapest Premiums in Bluffton, SC

AllstateNationwideLiberty Mutual
Median Home Value ($) 255,600295,600275,600
Construction year 201220112006
Home Coverage ($) $300000-$350000$400000-$500000$350000-$400000
Total Premium ($) $1877$2664$1704

Bluffton, SC Multi Policy Discounts by Home Insurance Companies

Home Insurance Company Multi Policy Discount (%)
Liberty Mutual upto 17%
Nationwide upto 10%
Erie upto 17%
Travelers upto 5%
Allstate upto 21%