Ellis Realty & Ins Agency Inc
701 1st St W, Hampton, SC 29924
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Hampton households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
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701 1st St W, Hampton, SC 29924
View this agency's profile to learn more about their services.
200 3rd St NE, Hampton, SC 29924
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200 3rd St E, Hampton, SC 29924
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to Hampton residents.
Compare home insurance rates in Hampton, SC. Learn about flood risks, wind coverage, and discounts. Get the protection you need at prices that fit.
General Insurance EducationComplete insurance guide for Hampton, SC. Learn about auto, home, and flood coverage needs in the Lowcountry, plus money-saving strategies for residents.
Car InsuranceHampton, SC drivers need 25/50/25 liability plus mandatory uninsured coverage. Learn costs, at-fault rules, and how to save on Lowcountry auto insurance.
The average home insurance cost in South Carolina runs about $171 per month or roughly $2,052 annually. Hampton homeowners may pay less than the state average due to lower median home values around $210,000, though actual rates depend on your home's age, condition, coverage limits, and deductible choices.
Most standard homeowners policies don't cover flood damage, and South Carolina faces significant flood risks from severe storms, hurricanes, and seasonal rains. Even if you're not in a mapped high-risk flood zone, flood insurance is worth considering given the Lowcountry's low-lying topography and history of devastating inland flooding events.
Coastal South Carolina has seen premiums rise 20-35% since 2023 due to increased hurricane risk modeling, tightening reinsurance markets, and recent catastrophic storms like Hurricane Helene. While Hampton's inland location provides some buffer from the highest increases, the entire state has felt upward pressure on rates.
Common discounts include bundling home and auto policies (10-25% savings), installing storm shutters or impact-resistant roofing, upgrading electrical and plumbing systems, adding security systems, maintaining claims-free history, and staying with the same insurer for multiple years. Always ask your agent about available discounts you might qualify for.
Standard policies typically cover wind damage from hurricanes, but not flooding. Read your policy carefully—some insurers exclude or limit wind coverage in high-risk areas, requiring separate wind insurance. Flood damage always requires a separate flood policy through NFIP or a private carrier.
Review your policy annually, especially after making home improvements, when home values change significantly, or when your insurer raises rates. An annual review ensures your coverage limits match current replacement costs and that you're taking advantage of all available discounts.
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