Port Royal Homeowners Insurance

Find the right homeowners insurance policy for you.

Ann Herro, Insurance Expert Written by Ann Herro
Ann Herro, Insurance Expert
Written by Ann Herro

Ann Herro has been writing about insurance and employee benefits for over 15 years. She has covered topics as easy as insuring a car, and as difficult as transparency in healthcare costs.


Port Royal, SC is a beautiful coastal town, located just south of Beaufort. This community offers serene walking paths, boating and fishing. And it's an all-around great place for those who love to spend time outdoors. In addition to its beauty, this town offers a tight-knit community with plenty of southern hospitality. Whether you're seeking a permanent residence or a vacation home, Port Royal has it all. However, the downside of this community is the unpredictable weather each year. 

With a high risk for hurricanes and coastal flooding, it’s important to make sure your home is secure with Port Royal homeowners insurance. Our Independent Insurance Agents can help you find reliable home insurance so that your most valuable asset in Port Royal is protected. Our agents can help you search through all the options and find an affordable home insurance plan to protect your property against South Carolina’s most worrisome threats.

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

South Carolina residents will find that home insurance rates trend on the higher end of national averages. Our insurance agents are available to help residents find Port Royal homeowners insurance that is not only affordable but also dependable. Keep in mind that the size, location and age of your home are all factors that determine your individual rate. Risk factors such as swimming pools and trampolines can make your rate increase.

Port Royal Second Home and Vacation Home Insurance

Port Royal is the perfect place to retreat from daily life and escape to a vacation home. This city offers beautiful scenery and many water and nature activities. Insuring a vacation home or second home can be challenging for many reasons. Let our experienced independent insurance agents navigate through the choices of insurance for you and point you in the direction of the right policy for your Port Royal vacation home.

Number of Thefts in South Carolina

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

The state of South Carolina has a high number of burglaries when compared with the national average, but Port Royal is generally viewed as one of the safer cities. If you own a home in this area, you can always take precautions, such as keeping all doors and windows locked and installing a security system. However, the best way to protect your home is by having a dependable home insurance policy. In the event that you are the victim of a home invasion and your valuables are missing or damaged, you file a claim with your insurance company and receive compensation.


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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

South Carolina’s location makes it a common target for natural disasters. Tropical storms and hurricanes frequently bring damaging winds and also cause widespread flooding. Property damage in this area can lead to enormous financial costs, so make sure you have reliable homeowners insurance to protect your property.

What Are the Risks in Port Royal?

Port Royal residents face a very high risk of hurricanes and tropical storms each year, with 72 recorded hurricanes since 1930. This area is also at risk for tornadoes, with an average of at least one per year. This city sees severe damage each time a new storm comes on shore. These storms cause massive flooding and property damage. The only way to make sure your home is protected is with comprehensive homeowners insurance.

Compare Port Royal Home Insurance Quotes

Our Independent Insurance Agents specialize in helping homeowners choose affordable home insurance in Port Royal. Our seasoned agents will assist you as you choose the coverage that is most important to you and your particular situation. Whether you’re shopping for insurance for your primary residence or a vacation home, our agents can provide you with quotes on multiple policies and help you find a plan that works for your budget. 

Contact an agent today to learn more about Port Royal home insurance, and get a free customized rate quote.

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