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!
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What Does Hilton Head Island Home Insurance Cover?
Most home insurance policies include some level of the following types of coverage.
Coverage A covers damages to your home
Coverage B covers damages to additional structures on your property such as detached garages, sheds, or fences
Coverage C covers damage to personal property such as furniture, electronics, and clothes
Coverage D covers additional living expenses if your home becomes uninhabitable due to a covered loss
Coverage E covers personal liability including coverage for claims arising from accidents on your property
Coverage F covers 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 Limits Average 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:
Zip Codes in Hilton Head Island We Insure
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.