Getting a Bluffton Home Insurance Quote is as Easy as 1-2-3!
Getting the best homeowner’s insurance in Bluffton is easy when you use TGS Insurance’s proprietary online quoting tool for a free, no-obligation quote. Did we mention it only takes 15 seconds?
- Enter your address
- View your quote
- Customize your coverage with the guidance of one of our expert independent agents
Bluffton Home Insurance Coverage
The beauty of home insurance is that it can be tailored to fit you and your situation. Typically, a standard home insurance policy covers the following:
- Coverage for your home and other structures on your property, like detached garages
- Coverage for your belongings inside your home, like clothes and furniture
- Liability coverage for guests who may be injured on your property
- It covers additional living expenses if you need temporary lodging while your home is being repaired
How Much Does Bluffton Home Insurance Cost?
On average, a TGS customer in Bluffton would pay $1,832 per year for home insurance. Home insurance rates vary based on several factors, including your home’s age, value, and location, as well as your credit score and desired coverage levels. This average is based on policies with an average home value of $316,582, including windstorm and hail coverage with a 2% deductible. TGS Insurance Agency offers customizable options to all our customers so you can find the right policy and pay what you want. Get started with a free instant home insurance quote by providing your address above.
Home Insurance in Bluffton Cost by Dwelling Coverage Limit
Dwelling coverage limits are one of the key factors that insurers consider when setting premiums. You’ll generally pay a higher premium if you choose a high dwelling coverage limit. However, ensuring adequate coverage to protect your home during a loss is important. If you have a mortgage on your home, your lender may require you to have a certain amount of dwelling coverage to protect your investment.
In Bluffton, South Carolina, a policy with $200,000-$299,999 in dwelling coverage costs an average of $1,543 per year. However, if your home is worth more, you’ll want more coverage, so homeowners wanting $400,000-$499,999 in dwelling coverage will pay an average of $2,343 in Bluffton, South Carolina.
Dwelling Coverage Limits Average Annual Premium (incl. Windstorm & Hail Coverage)
$100,000.00 - $199,999.00 $1,410.70
$200,000.00 - $299,999.00 $1,542.57
$300,000.00 - $399,999.00 $1,926.30
$400,000.00 - $499,999.00 $2,343.45
$500,000.00 - $599,999.00 $2,907.19
$600,000.00 - $699,999.00 $3,259.92
Bluffton Home Insurance Cost By Home Age
The age of your home is also a factor considered when carriers determine your home insurance premium. The age matters because older homes might be more expensive to rebuild after a total covered loss, especially if they must bring them up to modern safety and building codes. If you have an older home and are looking for ways to keep your premiums low, stay up to date on home maintenance and replace older systems in your home.
Bluffton Zip Codes We Insure
- 29910
Zip code not listed? Don’t worry! We can help homeowners throughout South Carolina save money on their home insurance. Get started with a free instant quote by providing your address above.
