Best Insurance HH
2 Corpus Christi Pl, Suite 200, Hilton Head Island, SC 29928
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Hilton Head Island households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
Compare local agents, coverage options, and specialties to find the right fit for your insurance needs.
2 Corpus Christi Pl, Suite 200, Hilton Head Island, SC 29928
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2 Corpus Christi Place, Ste. 200, Hilton Head Island, SC 29928
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17 Executive Park Rd, Ste 1, Hilton Head Island, SC 29928
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95 Mathews Dr Suite B-3, Hilton Head Island, SC 29926
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15 Bow Circle, Suite 101, Hilton Head Island, SC 29928
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23A Shelter Cove Lane, Hilton Head Island, SC 29928
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Learn about insurance coverage options specific to Hilton Head Island residents.
Home insurance on Hilton Head Island costs $6,139/year—double SC's average. Learn about flood, wind, and auto coverage requirements for coastal living.
Home InsuranceHilton Head home insurance costs $3,300-$6,100/year. Learn about wind, flood coverage requirements, high-value property insurance, and discounts for barrier island homes.
Car InsuranceNavigate Hilton Head's 25/50/25 minimums, at-fault system, and seasonal traffic risks. Learn why island rates average $90/month and how to save on coverage.
Home insurance on Hilton Head Island costs about double the South Carolina average ($6,139 vs. $3,153 annually) because the island faces high hurricane and flood risks, wind and hail damage must be covered separately through specialized policies, and construction costs are higher on a barrier island. Insurers are also pricing in recent storm losses and predictions of continued active hurricane seasons.
If you have a federally backed mortgage and live in a high-risk flood zone (which covers most of Hilton Head Island), flood insurance is required by law. Even if it's not required, you should seriously consider it since the island is in a floodplain and standard homeowners policies don't cover flooding. Coastal properties typically pay $1,200 or more annually for flood coverage.
South Carolina is the only state that requires uninsured motorist bodily injury coverage (25/50 UMBI) on top of standard liability insurance. This protects you if you're hit by a driver without insurance. You must carry 25/50/25 liability coverage ($25,000 per person, $50,000 per accident for injuries, and $25,000 for property damage) plus the uninsured motorist coverage.
No, standard homeowners policies in Beaufort County exclude wind and hail damage from hurricanes. You must purchase separate wind and hurricane coverage through the South Carolina Wind and Hail Underwriting Association or private insurers. These policies come with deductibles of 1-5% of your home's value ($3,000 to $15,000 on a $300,000 home).
Auto insurance on Hilton Head Island averages about $671 annually for minimum coverage or $1,559 to $2,160 for full coverage, similar to the rest of South Carolina. Rates increased 4-11% heading into 2026 due to storm claims and inflation, with coastal areas seeing higher increases.
Working with a local agent who specializes in coastal property coverage is highly recommended. They understand the unique challenges of insuring homes in communities like Sea Pines and Harbour Town, know which insurers are currently writing policies on the island, and can help you avoid dangerous gaps between your homeowners, wind, and flood coverage.
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