Homeowners Insurance in Bluffton, SC

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Homeowners Insurance Bluffton, SC

Homeowners insurance just got personal.

Homeowners insurance is usually something you don’t really think about – until you need it. But having it means peace of mind. Because when the unthinkable happens: fire, a fallen tree, theft, high winds, smoke, hail, vandalism, or storm damage, you want to know that you are taken care of, whether you just need to do a few repairs, or you have to rebuild your entire home. You want to know that your home and its contents (such as clothing, furniture, and other possessions) are covered.

It doesn’t stop there though. A homeowners policy can also protect you in the event that someone who does not live in your home gets injured while on your property. With the right homeowners policy, your legal fees and all related medical expenses are covered.

Typically, your homeowners policy will also cover outbuildings that are on your property such as a shed, barn, or garage as well as fireplaces, fences, swing sets, outdoor grills, and walls. Some policies may also cover swimming pools, but that is often additional coverage because it is considered a higher risk item.

It doesn’t cover everything though. Jewelry, artwork, and certain collectibles are jot eligible simply because the value of these items typically exceeds the standard coverage allowances.

Flood coverage is available at an additional cost.

Choosing the Right Carrier

With so many home insurance companies out there, it can be overwhelming to try and decide which one you should go with. There are a lot of things that go into finding the right carrier though so you need to consider certain things about you and your home:

  • Location

Think about the location of your home; it definitely matters. Homeowners insurance rates tend to be higher in areas that are considered high risk for loss events like flooding, high crime, and storms, but there can also be other considerations such as proximity to a fire station. Being close to the coast will also affect your rates.

  • Home Features

There are certain things about your home that can affect the cost of your homeowners insurance policy. Safety features in or around your home, construction materials, and the square footage of your home can make the cost go up or down. However, other features can get you some great discounts such as a home security system or an impact-resistant roof.

  • Your Credit Score

Just as with car insurance from many companies, the cost of your homeowners insurance can be influenced by your credit score. A lower credit score can drive up your premium in some cases, so that is something you definitely want to check out.

  • Multi-Policy Discounts

Some companies offer a better rate for bundling home and auto or other types of insurance. It is well worth the time to review the discounts that insurance companies offer when you are deciding which one to choose.

How Much Coverage Do You Need?

The amount of homeowners coverage that you need depends on what it would cost to replace your home and belongings if it was destroyed by fire, flood, or some other disaster, or if someone sues you for an accident on your property that results in loss or injury.

There are four primary types of homeowner’s insurance coverage. These are the types, along with the common coverage limits and how you calculate your coverage needs:

  • Dwelling Coverage

Coverage is usually between $100,000 and $1 million. Calculate your coverage needs by multiplying your home’s square footage by your area’s average cost per square foot to build.

  • Personal Property Coverage

Coverage is usually 50% of the dwelling limit. Calculate your coverage needs by creating an inventory of all your personal belongings in your home.

  • Liability Coverage

Coverage can run as much as $500,000. Calculate your coverage needs by adding together the value of all assets, including your home, vehicles, personal belongings, retirement funds, investments, and savings.

  • Additional Living Expenses Coverage

Coverage is usually 20% of the dwelling limit. Calculate your coverage needs by adding the amount you typically spend monthly on living expenses like rent, food, utilities, and gas.

It is worth noting here that your dwelling coverage should be enough to cover what it would cost to rebuild your home from the ground up if it were to be destroyed by fire, flood, hurricane, earthquake, or other disasters.

Why Choose Hilton Head Insurance & Brokerage

There are so many reasons to choose Hilton Head Insurance & Brokerage when you are looking for homeowners insurance in Bluffton, SC, but the one we get the most customer raves about is our exceptional customer service. We have a large staff and we are all committed to meeting the needs of our customers.

Our goal is to take the stress and hassle out of the whole insurance process. We write for many different carriers which translates to a great deal for you and more. Every single carrier we represent is A-rated and has a stellar reputation throughout the industry. Plus, the more varied carriers we have, the more options you have. There’s a carrier for just about everybody at Hilton Head Insurance.

If you’ve been in Hilton Head and Bluffton for any time, you are probably well aware of the many insurance carriers that are pulling out because of the recent flood map changes, the flooding in 2021, and the fires in the western part of the state. While it may seem that the insurance landscape is uncertain and unstable, Hilton Head Insurance & Brokerage assures you that we will not only help you find a carrier to meet your insurance needs, we’ll find you one that is reliable and won’t leave you high and dry. We only work with carriers we can depend on – carriers with real staying power.

Personalized Service that You won’t Find Anywhere Else

A big part of our customer service is how we do business. We write policies for a wide variety of carriers, but no matter which carrier you are with, we are your point of contact when getting the policy and also if and when issues arise. Have a question? We’re here for you. Want to change your policy? Just give us a call. We won’t send you to someone else to take care of business. When you choose us, we are here for you for as long as you have insurance through us.

It is this personalized care that separates us from the average insurance broker.

Every time you call or walk through our door you will be treated like family. We are excited to work with you and are dedicated to ensuring that you have the coverage that you need to protect you and your family.

Call one of our knowledgeable, friendly agents today to get your free quote for homeowners insurance. They will ask you some questions to get a good idea of your insurance needs and make sure that you are paired with the carrier that is best suited for you. We’ll walk you through all of your options for coverage and answer any questions you may have.

We are here for you and committed to getting you the best coverage possible.