Best Hilton Head Homeowners Insurance Quotes (2025)
Chubb, USAA, and State Farm offer the best homeowners insurance policies in Hilton Head, South Carolina.
Secure. Free. Easy-to-use.
Excellent
)
Written bySarah Sharkey
)
7+ years writing insurance and personal finance content
Contributor to top media, including USA Today
A passionate personal finance advocate, Sarah’s writing has graced the pages of many of the personal finance and insurance industries’ top web publications.
Featured in
){kind=logo}
){kind=small}
){kind=small}
)
Edited byKatie Powers
)
Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
Featured in
){kind=small}
){kind=small}
Updated
Why you can trust Insurify: Comparing accurate insurance quotes should never put you at risk of spam. We earn an agent commission only if you buy a policy based on our quotes. Our editorial team follows a rigorous set of editorial standards and operates independently from our insurance partners. Learn more.
Advertiser Disclosure
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
Table of contents
Hilton Head homeowners pay an annual average of $6,139 for a home insurance policy with $300,000 in dwelling coverage and a $1,000 deductible. This is much higher than the South Carolina annual average of $3,153.
Hilton Head homes are vulnerable to numerous natural threats, most notably hurricanes, tornadoes, wildfires, storm surges, and other flooding.[1] Due to these risks, homeowners in the area face expensive average premiums and should pay close attention to home insurance policy options. You may want to purchase additional coverage, like flood insurance, to better protect your home.
Here’s what you should know about finding home insurance in Hilton Head.
Quick Facts
Hilton Head is in a floodplain, so it’s a good idea to consider purchasing an additional flood insurance policy. Standard home insurance policies don’t cover flooding.
The annual cost of $300,000 in homeowners coverage with a $500 deductible is $6,265, $126 more than a policy with a $1,000 deductible.
Heritage Insurance, State Farm, and ASI offer the cheapest home insurance premiums in Hilton Head, on average.
Best home insurance companies in Hilton Head
Finding the right insurance company for your home insurance needs depends on your unique situation, preferences, and budget. You can start your search with three of the best insurance companies in Hilton Head that offer exceptional value to homeowners.
Best company for high-value homes: Chubb
ChubbCompare 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 |
|---|---|
| A.M. Best A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor). | A++ |
| $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. | $123/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. | $213/mo |
Chubb’s top-tier status in both the J.D. Power 2024 U.S. Home Insurance Study and 2025 U.S. Property Claims Satisfaction Study reflects a highly rated customer service experience.[2] Chubb offers quality coverage for high-value homes, including extensive optional policy add-ons like cash settlement and extended replacement cost coverage.
Pros
AM Best financial strength rating of A++ (Superior)
Fewer-than-expected number of complaints with the National Association of Insurance Commissioners (NAIC)
Cons
Not always the cheapest option
Quotes not available online
Best company for veterans: USAA
USAACompare 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 |
|---|---|
| A.M. Best A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor). | A++ |
| $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. | $163/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. | $254/mo |
For the thousands of veterans who live in Hilton Head, USAA is a worthwhile option. USAA is only available to veterans and homeowners with a qualifying military connection. But homeowners who qualify can benefit from the company’s exceptional customer service and relatively affordable rates. In the J.D. Power 2024 U.S. Home Insurance Study, USAA earned the top score for customer satisfaction.[3]
Pros
AM Best financial strength rating of A++ (Superior)
Relatively affordable rates
Cons
Higher-than-expected number of complaints with the NAIC
Coverage limited to military members, veterans, and eligible family members
Best company for cheap rates: State Farm
State FarmCompare 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 |
|---|---|
| A.M. Best A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor). | A++ |
| $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. | $172/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. | $256/mo |
State Farm offers one of the cheapest average home insurance premiums in Hilton Head. The company also offers several home insurance discounts. State Farm has solid financial strength ratings and a track record of quality customer service.
Pros
AM Best financial strength rating of A++ (Superior)
Can bundle coverages
Cons
Higher-than-expected number of complaints with the NAIC
Fewer discounts than some competitors
Our editorial team analyzed regional and national home insurance companies that sell policies in Hilton Head 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 Hilton Head
Heritage Insurance and State Farm offer the cheapest home insurance rates in Hilton Head, on average.
The table below breaks down average annual insurance rates for different insurance companies. Averages reflect costs for policies with $300,000 in dwelling coverage and a $1,000 deductible.
Insurance Company  | Average Annual Premium |
|---|---|
| Heritage Insurance | $3,016 |
| State Farm | $3,619 |
| ASI | $3,652 |
| Nationwide | $4,074 |
| Cincinnati Insurance | $4,096 |
| Chubb | $4,257 |
| QBE | $4,406 |
| Foremost | $4,722 |
| Bankers Insurance Group | $4,786 |
| USAA | $4,808 |
| Allstate | $5,739 |
| Travelers | $6,156 |
| Armed Forces Insurance Exchange | $6,247 |
| Encompass | $6,661 |
| Auto-Owners | $6,808 |
| Central Mutual Insurance | $7,002 |
| Universal Insurance Company of North America | $9,518 |
| Allied | $10,991 |
| Southern Farm Bureau | $16,093 |
Shop for Home Insurance in Hilton Head
Insurify partners with top insurers for real quotes
Secure. Free. Easy-to-use.
Based on 7,669+ reviews
4.8/5
How much is home insurance in Hilton Head?
The average annual cost of homeowners insurance in Hilton Head is $6,139 for a policy with $300,000 in dwelling coverage and a $1,000 deductible. For a policy with a $500 deductible, the average cost increases to $6,265 annually.
Hilton Head homeowners pay much more for a standard home insurance policy than the national annual average of $2,584 and the state average of $3,153.
The exact cost you’ll pay to insure your Hilton Head home varies based on a variety of factors, including flooding risks, your ZIP code, the location of the nearest fire station, and the age of the home.[4]
Cost of home insurance by dwelling coverage in South Carolina
The level of dwelling coverage you need affects your home insurance costs. Homeowners with high-value properties often pay more for coverage than people with properties of lower value.
The table below highlights the average costs by dwelling coverage limit in South Carolina. The average annual premiums reflect costs for a policy with a $1,000 deductible.
Coverage Limit | Average Annual Premium |
|---|---|
| $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
A home insurance deductible is the amount you’ll pay when filing a claim. After you pay your deductible, the insurance company kicks in to help pay for the rest of the covered damages. For example, let’s say a hurricane damages your home. You’ll need to pay a deductible, often $500 or $1,000, before the insurance company pays out your claim.
Insurance companies generally offer lower home insurance premiums to homeowners who choose a higher deductible. The table below highlights how opting for a higher deductible can lead to a lower premium. The rates below reflect a policy with $300,000 in dwelling coverage.
Deductible Amount | Average Annual Premium |
|---|---|
| $500 | $6,265 |
| $1,000 | $6,139 |
Average cost of home insurance in other cities in South Carolina
Average home insurance costs vary from city to city due to different risks. Average costs can even vary by ZIP code. For example, homes in a ZIP code with higher vandalism rates, closer proximity to the ocean, or further distance from a fire station might face higher rates than a home without similar risks.
In South Carolina, homeowners in cities along the coastline tend to pay higher insurance rates than homeowners further away from the beach.
Below, you can see the different average homeowners insurance costs in cities across South Carolina for policies with $300,000 in dwelling coverage and a $1,000 deductible.
City | Average Annual Premium |
|---|---|
| Charleston | $5,293 |
| Columbia | $2,103 |
| Conway | $3,788 |
| Greer | $1,853 |
| Hilton Head | $6,139 |
| Lancaster | $2,049 |
| Lexington | $2,014 |
| Mount Pleasant | $4,714 |
| Myrtle Beach | $4,472 |
| Summerville | $3,248 |
Find Hilton Head Home Insurance
Get personalized home insurance quotes in minutes
Secure. Free. Easy-to-use.
Based on 7,669+ reviews
4.8/5
What to know about owning a home in Hilton Head
If you own a home in Hilton Head or plan to, it’s important to understand the risks your home faces and what insurance you need. Hilton Head homeowners should consider the following factors:
High property values
On average, homes in Hilton Head cost an average of $778,475, according to Zillow. If your home has a high property value, you’ll likely pay more for home insurance coverage.
Flooding
The island is close to sea level, which leaves it prone to flooding. A standard home insurance policy typically doesn’t cover flood damage. Some homeowners may choose to purchase additional flood insurance coverage.
Personal property limits
The protection for personal property, like clothes and furniture, included in your standard home insurance policy comes with limits. For homeowners with high-value items, purchasing a separate policy might better protect their big-ticket items with higher coverage amounts.
Personal liability limits
Most homeowners insurance policies come with some level of personal liability coverage. But if you want more protection, you’ll need to purchase that on top of your home insurance policy.
Hilton Head home insurance FAQs
The following information can help answer your remaining questions about Hilton Head home insurance.
Hilton Head homeowners pay an average of $6,139 per year for a policy with $300,000 in dwelling coverage and a $1,000 deductible. This premium doesn’t include secondary coverages, like flood insurance or an umbrella policy. Buying additional coverage will increase your total insurance costs.
On average, Heritage Insurance offers the cheapest average annual premium for Hilton Head homeowners. The average annual cost for a policy with $300,000 in dwelling coverage and a $1,000 deductible is $3,016. State Farm and ASI are two of the other most affordable insurance companies in the city.
Homeowners in South Carolina pay $4,017 per year for a home insurance policy with $400,000 in dwelling coverage and a $1,000 deductible, on average.
The 80/20 home insurance rule recommends insuring your home for at least 80% of its replacement cost. If your home is insured for less than that amount, your insurance company may not fully pay your claim.
Home insurance policies in South Carolina cost an average of $3,153 for $300,000 in dwelling coverage with a $1,000 deductible. You’ll have to pay an additional cost if you decide to purchase flood insurance for more protection.
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
- Hilton Head Island. "Ready Hilton Head Island."
- J.D. Power. "Widespread Price Increases, Extreme Weather Events and Long Repair Cycle Times Strain Customer Satisfaction with Homeowners Insurance Claims, J.D. Power Finds."
- J.D. Power. "Rampant Home Insurance Increases Strain Customer Satisfaction—and Drive Policy Shopping, J.D. Power Finds."
- Insurance Information Institute. "Home buyer's insurance guide."
)
Sarah SharkeyInsurance Writer
Sarah Sharkey is a personal finance writer who enjoys helping people make savvy financial decisions. She covered insurance and personal finance topics. You can find her work on Business Insider, Money Under 30, Rocket Mortgage, Bankrate, and more. Connect with her on LinkedIn.
Sarah has been a contributor at Insurify since September 2022.
Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
Featured in