Check out the most popular Home Insurance agencies & companies in Bluffton, SC & compare the best quotes from them.
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.
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.
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% |
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 |
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Patrick Attilio | 5032 AUGUSTA RD 31408 |
(912) 964-2781 |
Homeowners Insurance Agents | Agent Address | Contact Details | |
---|---|---|---|
W. Mack Sykes | 8008 East Main St. 29936 |
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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 |
Homeowners Insurance Agents | Agent Address | Contact Details | |
---|---|---|---|
Summit Ridge Insurance Llc | 6811 Waters Ave 31406 |
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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 |
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Kurland Insurance Agency Inc | 330 N LUCAS ST www.kurlandinsurance.com 29488 |
843-549-6179 Email:kiagency@kurlandinsurance.com |
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 |
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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 |
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 |
Allstate | Nationwide | Liberty Mutual | |
Median Home Value ($) | 255,600 | 295,600 | 275,600 |
Construction year | 2012 | 2011 | 2006 |
Home Coverage ($) | $300000-$350000 | $400000-$500000 | $350000-$400000 |
Total Premium ($) | $1877 | $2664 | $1704 |
Home Insurance Company | Multi Policy Discount (%) |
---|---|
Liberty Mutual | upto 17% |
Nationwide | upto 10% |
Erie | upto 17% |
Travelers | upto 5% |
Allstate | upto 21% |