Beaufort Homeowners Insurance

What Your Beaufort, SC Homeowners Insurance Policy Needs

Find the right homeowners insurance policy for you.

One of Hilton Head Island’s primary cities, Beaufort is the second oldest city in South Carolina. It is a city steeped in history and tradition, and it features many fine homes from the Civil War era. Beaufort, SC also has other residential areas that include newer homes, many of which are of the traditional southern architectural style. There are many reasons why one would want to settle down and buy a home in a charming city with under 15,000 residents. If are among them, you will want to be sure to protect your investment with a suitable Beaufort home insurance policy.

When you are shopping for affordable coverage for your home, you can request the help of an independent insurance agent in our network. These agents are able to acquire Beaufort homeowners insurance quotes from a variety of highly-rated providers so that it is easy for you to compare rates and find the best policy to meet your coverage needs. Find an agent near you to learn more.

  • National yearly premium average: $1,034
  • South Carolina yearly premium average: $1,134
  • 13th most expensive premium in the U.S.

Homeowners in South Carolina pay slightly higher-than-average rates for home insurance coverage. Of course, actual rates can vary significantly from one homeowner to the next, so these figures can only give you a general idea of how much your insurance may cost. Insurance companies take a number of factors into consideration when they calculate your Beaufort home insurance quotes. These include but are not limited to the following:

  • The ZIP code in which your house is located
  • The type of home you are insuring (single-family dwelling, townhouse, condo, mobile home, etc.)
  • The age of your home and the material used in its construction
  • The value of your home and its estimated rebuilding cost
  • The use of the home you are insuring: primary residence or second home
  • The amount of property coverage you wish to include in your coverage
  • The amount of your deductible

Different insurance companies calculate rates in different ways, so you are likely to receive a different quote from each company you contact. It is, therefore, a good idea to compare at least three Beaufort homeowners insurance quotes before you make a selection.

Insurance for Second Homes and Vacation Homes

If you are among the residents in Beaufort who own additional properties, you will want to be sure to find suitable coverage for these homes as well. Vacation homes may cost more to insure if they are left empty and unattended for several months out of the year or if they are located in an area with a high risk for weather-related damage. Using second homes as rental or vacation properties, a popular case in this tourist destination of a city, may require you to purchase a landlord insurance policy. Be sure to discuss all of your properties with your agent, who can help you find the best coverage to protect your investments.

Number of Thefts in South Carolina

  • National number of burglaries: 37,814
  • South Carolina number of burglaries: 40,958

The burglary rate in South Carolina is higher than the national average, and it is high in Beaufort as well. In recent years, there were 155 burglaries reported in this small city, which equates to about 11.84 burglaries per 1,000 households. That is nearly twice the national rate of 6.11 in that same time period. Homeowners are advised to take measures to protect their property, such as keeping doors and windows securely locked and making sure that entryways are well-lit and unobstructed. 

Burglar alarm systems are highly effective at deterring theft, and having one installed in your home may even qualify you for a discount on your home insurance. In the unfortunate event that your house is broken into, your Beaufort homeowners insurance reimburses you for your losses. You need a copy of the police report and a detailed inventory of your lost or damaged items when you file your claim.

Number of Catastrophes in South Carolina

  • Number of catastrophes in South Carolina: 621
  • Number of tornadoes in South Carolina: 13
  • Amount of property damage in South Carolina: $12,050,000
  • 1 in 15 insured homes has a claim each year

While the tornado risk in Beaufort is small, as it is 43 percent less than the national average, it is important to bear in mind that major catastrophes such as tornadoes, hurricanes, and house-fires can lead to a total loss of your home and all the property you keep inside. It is therefore important that you make certain that your Beaufort homeowners insurance policy includes a sufficient amount of structure and contents coverage to enable you to rebuild and start over without facing large financial losses. Your agent can help you determine how much coverage adequate to protect your property.

What Are the Risks in Beaufort?

The biggest threat faced by property owners in Beaufort is loss or damage caused by hurricanes and tropical storms. On average, this city is affected by these storms about once every 2.25 years, and it experiences a direct hit approximately once every eight years. These storms often bring heavy rains and winds of about 100 miles per hour, and this can loosen roofing shingles, damage siding and break windows. It is therefore extremely important that you ensure that your home policy includes hurricane insurance coverage.

Some Beaufort home insurance policies may require you to purchase a special endorsement in order to be covered against hurricane damage. Your local agent will be familiar with the risk that these storms pose in your city and will help you ensure that the policy you choose includes the coverage you need.

Compare Beaufort Home Insurance Quotes

The only way you can be sure that you are getting your Beaufort homeowners insurance policy at a reasonable price is by comparing costs and offerings from a few competing insurance companies. Of course, this can be a time-consuming and frustrating chore; so many people do not do it, and then they end up paying more than they have to for their coverage.

That is why it is to your benefit to work with an independent insurance agent in our network. These agents can work with you to clarify your coverage needs and can then do the comparison shopping legwork for you by contacting insurance companies on your behalf. That way, you can quickly and easily compare rates for Beaufort home insurance policies that have been customized specifically for you. With offices conveniently located in and near Beaufort, it is easy to find a local agent to learn more.

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