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Best Charleston Homeowners Insurance Quotes (2025)

State Farm, Chubb, and USAA offer the best homeowners insurance policies in Charleston, South Carolina.

Danny Smith
Written byDanny Smith
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Danny Smith

  • Licensed auto and home insurance agent

  • 4+ years in content creation and marketing

As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.

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Sara Getman
Edited bySara Getman
Sara Getman
Sara GetmanAssociate Editor

Sara Getman is an Associate Editor at Insurify and has been with the company since 2022. Prior to joining Insurify, Sara completed her undergraduate degree in English Literature at Simmons University in Boston. At Simmons, she was the Editor-in-Chief for Sidelines Magazine (a literary and art publication), and wrote creative non-fiction.

Outside of work, Sara is an avid reader, and loves rock climbing, yoga, and crocheting.

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The average cost of home insurance in Charleston, South Carolina, is $5,401 per year for a $300,000 dwelling policy with a $500 deductible. As a coastal city, Charleston is no stranger to flooding.

Over the last 100 years, the sea level around Charleston has risen by more than 13 inches, resulting in more consistent flooding in the city.[1] Standard home insurance doesn’t cover flooding, so Charleston homeowners should strongly consider purchasing a flood insurance policy.

Here’s what Charleston homeowners need to know about finding home insurance.

Quick Facts

  • State Farm offers some of the cheapest homeowners insurance in Charleston.

  • A $300,000 policy with a $1,000 deductible costs $5,293 per year in Charleston.

  • Charleston homeowners pay the second most for coverage in South Carolina, with Hilton Head homeowners paying the most.

Best home insurance companies in Charleston

Charleston homeowners have plenty of excellent home insurance companies to choose from. There’s no single “best” home insurance company for everyone, though. The best home insurance company for you will depend on things like your budget, your home’s location, and your coverages, which is why it’s so important to compare quotes.

Below are three of the best home insurance companies in Charleston to help get your search started.

Best company for affordability: State Farm

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
8.2/10
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
643
$300,000 Dwelling
A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others.
$224/mo
$500,000 Dwelling
A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others.
$332/mo

State Farm is the best home insurance company for homeowners in Charleston looking for affordable coverage. It offers some of the cheapest home insurance rates in the city. State Farm also offers relevant discounts for Charleston homeowners, such as a discount for having certain wind mitigation features on your home.

Pros

  • Affordable rates

  • Network of local agents

  • AM Best financial strength rating of A++ (Superior)

Cons

  • Flood coverage not available

  • Low Trustpilot rating

  • Not as many discounts as other insurers

Best company for private flood coverage: Chubb

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
7.8/10
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
688
$300,000 Dwelling
A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others.
$301/mo
$500,000 Dwelling
A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others.
$541/mo

Chubb is the best homeowners insurance company in Charleston for homeowners looking for private flood insurance. The insurer offers up to $15 million in total property coverage for your home and belongings, significantly higher than the limits offered by the National Flood Insurance Program (NFIP) flood insurance policy of $500,000.

The company also specializes in high-value homes, which is helpful in an area where the average home costs more than $500,000.

Pros

  • Free home appraisals

  • High coverage limits

  • Many discounts available

Cons

  • Quotes not available online

  • Not the cheapest insurer

  • Low Trustpilot rating

Best company for military members and their families: USAA

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
8/10
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
737
$300,000 Dwelling
A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others.
$389/mo
$500,000 Dwelling
A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others.
$639/mo

USAA is the best home insurance company for Charleston homeowners with ties to the military community. The insurer offers numerous exclusive home insurance coverages and discounts to its members, such as replacement cost coverage rather than actual cash value. It’s a great option for the roughly 27,000 veterans who live in Charleston.

Pros

  • Online claims filing

  • AM Best financial strength rating of A++ (Superior)

  • Exclusive members-only benefits

Cons

  • Not the most affordable insurer

  • Available only to military members and their families

  • Flood insurance not available

  • Our editorial team analyzed regional and national home insurance companies that sell policies in Charleston to assess which offer the best rates, coverage options, customer service, and savings to homeowners. We prioritized competitive rates, 24/7 customer service, homeownership discounts or bundling options, and specialty or supplemental coverages.

Cheapest home insurance companies in Charleston

Heritage Insurance is the cheapest home insurance company in Charleston, with an average annual rate of $2,600 for a $300,000 dwelling policy. Take a look at the table below to see the other cheapest home insurance companies in Charleston.

Insurance Company
sort ascsort desc
Average Annual Premium
sort ascsort desc
Heritage Insurance Holdings$2,600
State Farm$3,120
Nationwide$3,512
Chubb$3,670
Foremost$4,071
USAA$4,145

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How much is home insurance in Charleston?

The average cost of home insurance in Charleston is $5,401 annually for a $300,000 dwelling policy with a $500 deductible. This is significantly higher than the national average rate of $2,584 annually for a policy with the same $300,000 limit.

Part of the reason for this price difference is likely due to Charleston’s likelihood of floods, given its proximity to the ocean. Some other factors that can affect the cost of home insurance include the age of your home and its value. Charleston is one of the oldest cities in the U.S. and has a high average home value, both of which can drive up home insurance costs.

Cost of home insurance by dwelling coverage in South Carolina

The cost of your home insurance policy depends on numerous factors, with your chosen dwelling coverage amount having one of the largest effects. The higher your coverage level is, the higher your premiums will be. Insurers are on the hook for higher amounts of damages, so they charge higher premiums to make up for that increased financial risk.[2]

The table below shows how your dwelling coverage limit affects your annual premium in South Carolina.

Coverage Limit
sort ascsort desc
Average Annual Premium
sort ascsort desc
$100,000$1,431
$200,000$2,265
$300,000$3,153
$400,000$4,017
$500,000$4,865

Cost of homeowners insurance by deductible amount

Your home insurance deductible is the amount of money you’ll pay out of pocket before your insurance coverage kicks in. Typical home insurance deductibles are $500 and $1,000 but can vary based on the insurer.

The higher your home insurance deductible is, the lower your home insurance premium will be, as insurers are on the hook for fewer damages. The lower your home insurance deductible is, the higher your home insurance premium will be.

The table below shows how your deductible affects your average premium.

Deductible Amount
sort ascsort desc
Average Annual Premium
sort ascsort desc
$500$5,401
$1,000$5,293

Average cost of home insurance in other cities in South Carolina

The average cost of home insurance varies greatly by location, with homeowners in different states, cities, and even ZIP codes sometimes paying drastically different rates for the same coverage.

This cost difference is due to numerous reasons, including the weather and climate in your area, such as flooding and windstorms, like in Charleston. Home insurance rates can also vary based on factors like burglary frequency, vandalism, and even how close your home is to a fire department. Take a look at the table below to see the average rates in different South Carolina cities.

City
sort ascsort desc
Average Annual Premium
sort ascsort desc
Charleston$5,293
Columbia$2,103
Conway$3,788
Greer$1,853
Hilton Head$6,139
Lancaster$2,049
Lexington$2,001
Mount Pleasant$4,714
Myrtle Beach$4,472
Summerville$3,248

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What to know about owning a home in Charleston

Owning a home in Charleston allows you to enjoy all the wonderful things the historic coastal city has to offer, but it also comes with some home ownership considerations. It’s important to understand what risks are present in your area and know exactly what your home insurance covers to ensure you have adequate protection in the event of an incident.

In Charleston, one of the main things that homeowners need to be aware of is the city’s likelihood of flooding. The city is on a peninsula, so it often experiences both coastal and inland flooding. The city has seen an increase in the number of floods in recent years, according to the National Oceanic and Atmospheric Administration.

Standard home insurance policies don’t cover flooding, so if you only buy a standard dwelling coverage policy, you’ll be left paying for flooding damage out of pocket. Charleston homeowners should strongly consider purchasing a separate flood insurance policy to protect themselves from the costs associated with flood damage.

You can purchase flood insurance through some private insurance companies, such as Chubb, but you can also secure flood coverage through the NFIP. The NFIP is a flood insurance program managed by the Federal Emergency Management Agency that provides flood insurance coverage to eligible homeowners. In some cases, if you live in a high-risk flood area, your lender may require you to carry flood insurance.[3]

Charleston home insurance FAQs

If you’re shopping for home insurance in Charleston, this additional information may help as you research your coverage options.

  • The average cost of home insurance in Charleston is $450 per month for a $300,000 dwelling policy with a $500 deductible. In some parts of Charleston, you’ll likely need to have flood insurance, which can add to your costs, as standard home insurance doesn’t cover flood damage.

  • Heritage Insurance has the cheapest homeowners insurance in Charleston, with an average annual rate of $2,600 for a $300,000 dwelling policy.

  • In South Carolina, the average annual cost of a homeowners insurance policy with $400,000 in dwelling coverage is $4,017, Insurify data shows.

  • One of the best ways to reduce your property insurance premium is to increase your home insurance deductible. Deductibles and premiums have an inverse relationship, meaning if you increase one, the other will decrease. Another way to reduce your property insurance premium is to take advantage of incentives that insurance companies offer, such as using wind-resistant building materials.

  • Home insurance companies may consider your home high risk if it has existing damage, is vacant, or if you live in an area prone to natural disasters.

Methodology

Insurify data scientists analyzed rates from more than 180 home insurance companies sourced directly from Insurify’s partner companies and Quadrant Information Services. Rates span all 50 states and Washington, D.C., and quote averages represent the mean price for a given coverage level and geographic area. To ensure data reliability, only insurers meeting minimum quote thresholds were included in the analysis.

Unless otherwise specified, quoted rates reflect the average cost for homeowners with no prior claims and good credit with a home construction year of 1980. The default coverage assumptions include:

Default Coverage Assumptions

  • Dwelling coverage: $300,000
  • Deductible: $1,000
  • Personal property limit: $25,000
  • Liability limit: $300,000

Additional data points beyond these default values are sourced from Insurify’s proprietary database. Rates are updated monthly.

Sources

  1. Charleston, SC. "Flooding & Sea Level Rise Strategy."
  2. III. "Facts + Statistics: Homeowners and renters insurance."
  3. FEMA. "Flood insurance."
Danny Smith
Danny Smith

Danny is a Brooklyn-based writer with a producer’s license for property and casualty insurance. A former editor at Insurify, he specializes in auto, home, and pet insurance. He works to translate his insurance expertise into digestible, easy-to-understand content for drivers, homeowners, and pet owners alike.

Danny has been a contributor at Insurify since March 2022.

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Sara Getman
Edited bySara GetmanAssociate Editor
Sara Getman
Sara GetmanAssociate Editor

Sara Getman is an Associate Editor at Insurify and has been with the company since 2022. Prior to joining Insurify, Sara completed her undergraduate degree in English Literature at Simmons University in Boston. At Simmons, she was the Editor-in-Chief for Sidelines Magazine (a literary and art publication), and wrote creative non-fiction.

Outside of work, Sara is an avid reader, and loves rock climbing, yoga, and crocheting.

Read Editorial Guidelines

View Full Bio

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