Champion Insurance Agency
30 Professional Village Cir., Beaufort, SC 29907
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Beaufort households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
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30 Professional Village Cir., Beaufort, SC 29907
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910 Carteret St, Beaufort, SC 29901
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1017 Middle Street, Suite A, Beaufort, SC 29902
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903 Port Republic St, Beaufort, SC 29902
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Learn about insurance coverage options specific to Beaufort residents.
Complete insurance guide for Beaufort, SC covering auto requirements, coastal home insurance, flood coverage, and local agents in the Lowcountry.
Home InsuranceBeaufort home insurance averages $2,590/year. Learn about hurricane deductibles, flood coverage, and special considerations for historic Lowcountry homes.
Car InsuranceComplete guide to auto insurance in Beaufort, South Carolina. Learn about the 25/50/25 minimums, at-fault system, costs, and military discounts at Parris Island.
Even if you're not in a high-risk zone, flood insurance is worth considering in Beaufort. The Lowcountry's low elevation means heavy rain can cause flooding anywhere, and storm surge during hurricanes doesn't respect flood zone boundaries. Over 20% of flood claims come from properties outside high-risk zones. With policies starting around $725 annually, it's relatively affordable protection for a catastrophic risk that homeowners insurance won't cover.
Coastal location drives Beaufort's higher premiums. Insurance companies price in the risk of hurricanes, wind damage, and storm surge that inland properties don't face. Since 2023, coastal premiums have jumped 20-35% as insurers refine their hurricane risk models and reinsurance costs increase. Additionally, wind and hail coverage often requires a separate policy with its own deductible in coastal areas, adding to your total insurance costs.
In coastal South Carolina, many homeowners policies exclude or limit wind and hail coverage. Separate windstorm insurance covers damage from hurricanes and high winds, but it typically comes with a percentage deductible (1-5% of your home's value) rather than a flat dollar amount. This means on a $300,000 home with a 3% wind deductible, you pay the first $9,000 of wind damage yourself. You need both policies to be fully protected in Beaufort.
No. South Carolina is unique in requiring uninsured motorist coverage at 25/50 limits with no option to waive it. This mandatory protection ensures you're covered if an uninsured or underinsured driver causes an accident. While it adds to your premium, this coverage protects you from paying out of pocket for medical bills and vehicle damage when the at-fault driver can't pay.
Flood insurance has a mandatory 30-day waiting period before coverage begins. This means you can't purchase a policy when a hurricane is approaching and expect immediate protection. You need to buy flood insurance well before storm season—ideally during the off-season when you're not under pressure from an approaching weather system.
Bundling typically saves 10-25% on premiums and simplifies managing your policies. However, in coastal areas like Beaufort where homeowners insurance is expensive and sometimes hard to find, you might get a better overall deal by shopping auto and home separately. Compare both bundled and separate quotes from multiple carriers—sometimes the best auto rate and best home rate come from different companies, and the total is still less than a bundle.
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