Save On Home Insurance in Hilton Head Island, SC | TGS Insurance Agency

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Homeowners Insurance  »  South Carolina  »  

Hilton Head Island

Shopping For Cheap Hilton Head Island Home Insurance Is Easier Than You Think 


As an independent agency, we represent 55+ top-rated insurance carriers, which allows us to offer comprehensive insurance options to meet your every need. The best part? Our highly qualified homeowners insurance agents do the hard work for you, making your home insurance shopping process easy and stress-free. Your savings start with an instant, free quote. Our agents are ready to help you further customize your quote and find any discounts you might qualify for! 


We shop. You Save. Yes, it really is that easy.


What Does Hilton Head Island Home Insurance Cover?


Most home insurance policies include some level of the following types of coverage. 


Coverage Acovers damages to your home
Coverage Bcovers damages to additional structures on your property such as detached garages, sheds, or fences
Coverage Ccovers damage to personal property such as furniture, electronics, and clothes
Coverage Dcovers additional living expenses if your home becomes uninhabitable due to a covered loss
Coverage Ecovers personal liability including coverage for claims arising from accidents on your property
Coverage Fcovers medical expenses for injuries occurring on your property for those outside of your household

When it comes to home insurance in Hilton Head Island, there’s no shortage of options. A standard policy typically covers a variety of losses, including damage caused by weather, theft, and accidents. But not all policies are created equal. That’s why it’s important to work with a knowledgeable agent who can help you navigate the complexities of home insurance and tailor your coverage to fit your needs. Whether you need more protection for your personal belongings or additional liability coverage, we’ve got you covered.

How Much Does Hilton Head Island Home Insurance Cost?


On average, a TGS customer in Hilton Head Island would pay $3,703 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 $357,672 and includes 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.


Average Homeowners Insurance Cost by Coverage Level in Hilton Head Island


The cost to replace your home is essential to determine the dwelling coverage you need on your home insurance policy; this limit directly impacts your home insurance premium. On top of affecting your average annual costs, having an accurate replacement cost can prevent you from being underinsured if a covered loss takes your entire house. These are the average annual home insurance costs in Hilton Head Island, South Carolina, based on dwelling coverage limits associated with the policy. 


Dwelling Coverage LimitsAverage Annual Premium (incl. Windstorm & Hail Coverage)
$100,000.00 - $199,999.00$2,500.34
$200,000.00 - $299,999.00$2,832.10
$300,000.00 - $399,999.00$3,604.27
$400,000.00 - $499,999.00$4,418.74
$500,000.00 - $599,999.00$5,265.55
$600,000.00 - $699,999.00$5,966.79


How Does Your Location in Hilton Head Island Affect Your Home Insurance?


Where you live is one of the biggest factors that affect your home insurance premium. This gets so specific that carriers look at ZIP codes and neighborhoods. If your neighborhood has a higher theft rate than another neighborhood a few blocks down, your rates will be higher. Because carriers are very particular with risk evaluations, rates vary greatly within the same city. Below is a breakdown of the average annual premium for home insurance in Hilton Head Island:


map showing average home insurance premiums by zip code in Hilton Head Island, South Carolina


Zip Codes in Hilton Head Island We Insure


  • 29926
  • 29928


Don’t see your zip code? Not a problem! We can help homeowners throughout South Carolina find the best home coverage for their needs. Get started with a free instant quote by providing your address above.

TGS Insurance is Hilton Head Island's Premier Home Insurance Provider

Hilton Head Island neighborhood

Hilton Head Island is one of the top 10 family beaches in the United States. The area features world-class golf courses and beautiful outdoor recreation and draws tourists from around the country. One of the great areas in Lowcountry, South Carolina, Hilton Head Island is described as a laid-back and welcoming area for all ages.

Hilton Head Island neighborhood

When choosing an insurance agency for your Hilton Head Island home insurance needs, you want a company you can trust. TGS Insurance Agency is an independent insurance agency committed to being that for you. We do not work for an insurance company; we work for you!

Key Home Statistics in Hilton Head Island


Total Population in Hilton Head Island, SC


Average Home Value in Hilton Head Island, SC


Median Household Income in Hilton Head Island, SC


Median Age in Hilton Head Island, SC

Major Neighborhoods in Hilton Head Island, SC

Image of Wexford Neighborhood


Wexford boasts some of the most impressive homes in Hilton Head, most with private deepwater docks. Residents enjoy convenient Intracoastal Waterway access via Wexford’s inland harbor and lock system.

Image of Hilton Head Plantation Neighborhood

Hilton Head Plantation

This sprawling community in Hilton Head, South Carolina has beach access and private amenities. With four golf courses and two nature conservancies, the Hilton Head Plantation is a green oasis.

Image of Palmetto Dunes Neighborhood

Palmetto Dunes

Palmetto Dunes is home to the second largest lagoon system in the country. This neighborhood is known for its efforts to preserve the fragile ecosystem which makes Hilton Head so stunning.

Image of Port Royal Plantation Neighborhood

Port Royal Plantation

The Port Royal Plantation community enjoys a multitude of amenities, including historical sites, a lagoon, and a golf course. It’s no wonder this private Hilton Head neighborhood is in high demand.

Image of Folly Field Neighborhood

Folly Field

Folly Field strikes the perfect balance between tranquil island living and lively urban convenience. This area of Hilton Head is adored for its charm and its central location on the island.

Image of Forest Beach Neighborhood

Forest Beach

This well established neighborhood is within walking distance of some of the most charming shops and eateries in Hilton Head, South Carolina. Forest Beach is popular for its extensive beach access.

Local Home Resources in Hilton Head Island, SC

Fire Departments
Fire Departments - Daufuskie Island Fire Department- Chief's OFC400 Haig Point Road
Hilton Head Island, SC 29926
(843) 785-2116
Hilton Head Fire Dept40 Summit Dr
Hilton Head Island, SC 29926
(843) 682-5100
Hilton Head Island Town - Fire & Rescue Division-Non-Emergency- Burn Day InformaTown Hall
Hilton Head Island, SC 29926
(843) 341-4714