Save On Home Insurance in Bluffton, SC | TGS Insurance Agency

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Bluffton, SC

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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?


  1. Enter your address
  2. View your quote 
  3. 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 LimitsAverage 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.

TGS Insurance is Bluffton's Premier Home Insurance Provider

Bluffton neighborhood

Bluffton, South Carolina, is home to a charming and eclectic culture that is a blend of genuine hospitality and artistic eccentricity. People love to roll down the windows, breathe in the Atlantic air, and take strolls among the 100-year-old oaks. This calm beach town holds the essence of South Carolina and is a popular tourist destination.

Bluffton neighborhood

At TGS Insurance Agency, we only work with the finest insurance carriers, so Bluffton residents can consistently expect a comprehensive homeowners insurance policy at a low cost. As an independent agency with thousands of happy customers, partnerships with 35+ carriers, and exceptional customer service, we win business from Bluffton locals daily.

Key Home Statistics in Bluffton


Total Population in Bluffton, SC


Average Home Value in Bluffton, SC


Median Household Income in Bluffton, SC


Median Age in Bluffton, SC

Major Neighborhoods in Bluffton, SC

Image of Colleton River Club Neighborhood

Colleton River Club

The Colleton River Club is an exclusive community in Bluffton, South Carolina. This neighborhood is known for its grand and stylistically diverse homes, situated in the marsh of the lowcountry.

Image of Old Town Bluffton Neighborhood

Old Town Bluffton

Old Town Bluffton is fondly regarded for its historic charm. Residents of this cozy corner of Bluffton enjoy the trails, historic sites, boutiques and interesting small-town eateries.

Image of Moss Creek Neighborhood

Moss Creek

This beautiful Bluffton borough is home to a blue heron sanctuary and a private mainland marina, among many other amenities. Many residents of Moss Creek also enjoy its Equestrian Center.

Image of Rose Hill Plantation Neighborhood

Rose Hill Plantation

This gated Bluffton community is a tranquil oasis for residents of all ages. Rose Hill Plantation is popular for its large Equestrian Center, amenities and location near the Colleton River.

Image of Palmetto Bluff Neighborhood

Palmetto Bluff

With miles of riverfront, Palmetto Bluff is perfect for outdoor adventure. This tight-knit community is uniquely focused on nature and wellness, making it a premier neighborhood in Bluffton.

Image of Hampton Lake Neighborhood

Hampton Lake

Centered around its namesake freshwater lake, the Hampton Lake neighborhood stands out for its abundance of waterfront residences. It’s easy to see why this corner of Bluffton is in demand.

Local Home Resources in Bluffton, SC

Fire Departments
Bluffton Township Fire2 William Pope Dr
Bluffton, SC 29909
(843) 705-5355
Bluffton Township Fire Dept25 William Pope Dr
Bluffton, SC 29909
(843) 705-5355
Police Departments
Bluffton Police Departm101 Progressive St
Bluffton, SC 29910
Bluffton Police Department101 Progressive St
Bluffton, SC 29910
Bluffton Police DepartmentPO Box 386
Bluffton, SC 29910-0386