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97A Towne Dr, Bluffton, SC 29910
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Bluffton households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
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97A Towne Dr, Bluffton, SC 29910
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8 Buckingham Plantation Dr, Bluffton, SC 29910
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7 Simmonsville Road, Suite 500, Bluffton, SC 29910
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1160 Fording Island Rd, Bluffton, SC 29910
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Learn about insurance coverage options specific to Bluffton residents.
Complete insurance guide for Bluffton, SC covering auto requirements, coastal homeowners rates, flood coverage, and local agents. Get the coverage you need.
Home InsuranceHome insurance in Bluffton, SC averages $1,832-$3,386/year. Learn about flood zones, hurricane coverage, and how to protect your Lowcountry home.
Car InsuranceNavigate Bluffton's at-fault system and 25/50/25 minimums. Learn how rapid growth and Hilton Head traffic affect your rates and why minimums aren't enough.
Flood insurance is required if you have a federally backed mortgage and your property is in a high-risk flood zone. However, even if it's not required, it's strongly recommended for all Bluffton properties due to the area's hurricane risk, proximity to the May River, and frequent heavy rains. More than 20% of flood claims come from outside designated flood zones.
Bluffton's coastal location makes it vulnerable to hurricanes and flooding, which drives up insurance costs. The average premium for a $200,000 home is around $3,386 per year—higher than inland South Carolina cities. Insurance companies factor in the risk of tropical storms, wind damage, and the increased cost of rebuilding coastal properties when setting rates.
South Carolina requires 25/50/25 liability coverage ($25,000 per person for injuries, $50,000 per accident, $25,000 for property damage) plus mandatory uninsured motorist coverage at the same limits. Unlike most states, you cannot waive the uninsured motorist protection, and there's typically a $200 deductible.
A hurricane deductible is a special deductible that applies only when damage is caused by a named tropical storm or hurricane. It's typically 2-5% of your home's insured value rather than a flat dollar amount. For a $200,000 home with a 2% hurricane deductible, you'd pay $4,000 out of pocket before insurance coverage begins—even if your regular deductible is only $1,000.
Yes, bundling your auto and home insurance with the same carrier typically saves 10-25% on your premiums. This is one of the easiest ways to reduce insurance costs in the Lowcountry. Other discounts to ask about include claims-free records, security systems, higher deductibles, and loyalty discounts for staying with the same insurer.
Local independent agents offer significant value for coastal properties because they understand Beaufort County's specific risks, know which carriers write policies in flood zones, and can compare quotes from multiple companies. They can also help you navigate hurricane deductibles and coverage gaps that are unique to Lowcountry living—knowledge that generic online quotes don't provide.
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