A Absolute Insurance Agency LLC
89B Old Trolley Road, Suite 201, Summerville, SC 29485
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Summerville households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
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89B Old Trolley Road, Suite 201, Summerville, SC 29485
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1605 Central Ave, Ste 6, Summerville, SC 29483
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1605 Central Ave Ste 6, #359, Summerville, SC 29483
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141 N Main St, Summerville, SC 29483
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308 Glen Eagles Drive, Summerville, SC 29483
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110B S Cedar St, Summerville, SC 29483
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870 College Park Rd, Summerville, SC 29486
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103 Azalea Dr, Summerville, SC 29485
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202 East 2nd North St, Summerville, SC 29483
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100 S Main St, Ste P, Summerville, SC 29483
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Learn about insurance coverage options specific to Summerville residents.
Summerville home insurance averages $2,274/year. Learn about flood coverage, hurricane deductibles, and how rapid growth affects your rates.
Car InsuranceGet the facts on auto insurance in Summerville, SC. Learn about 25/50/25 minimums, I-26 corridor risks, and why this Charleston suburb has higher rates.
Car InsuranceSummerville drivers pay $259/month for full coverage—$23 more than other SC towns. Learn why rates are higher and how to save on your Charleston commute.
General Insurance EducationComplete insurance guide for Summerville residents covering auto, home, and flood coverage. Learn about SC requirements, rates, and Lowcountry risks.
If you have a mortgage on a property in a FEMA-designated flood zone, yes—your lender will require it. But even if you own your home outright or live outside a high-risk zone, flood insurance is strongly recommended. Most of Summerville sits in A-designated flood zones, and the area has experienced significant flooding from hurricanes and tropical storms. With average flood claims totaling $25,000 and policies costing just a few hundred dollars annually, it's one of the best insurance values available.
Summerville's location in the Lowcountry puts it at higher risk for hurricanes, tropical storms, and flooding. The average premium of $2,274 is about 39% higher than the state average because insurance companies factor in the likelihood of weather-related claims. Coastal proximity, flood zones near the Ashley River and Dorchester Creek, and hurricane exposure all contribute to higher rates compared to inland South Carolina communities.
Your regular deductible applies to most claims—think fire, theft, or a tree falling on your roof. A hurricane deductible is separate and higher, typically 2-5% of your dwelling coverage, and only applies to damage from named storms. For a $350,000 home with a 2% hurricane deductible, you'd pay $7,000 out of pocket before coverage kicks in. Always check your policy declarations page to know exactly what you'd owe in a hurricane scenario.
Absolutely. Newer homes built to modern building codes often qualify for significantly lower rates because they have stronger roofs, better electrical and plumbing systems, and improved drainage. Some homeowners in newly constructed Summerville properties pay as little as $565 annually with certain carriers. Ask your insurer about new home discounts, and mention any protective features like impact-resistant windows or storm shutters.
Review your policy annually, especially in a rapidly growing market like Summerville where construction costs and home values are rising. Your dwelling coverage should reflect what it would cost to rebuild your home today, not what you paid for it or what it would sell for. With median home prices in the $350,000-$400,000 range and material costs climbing, you could be significantly underinsured if you haven't updated your limits in the past few years.
Yes, significantly. In South Carolina, homeowners with poor credit pay an average of $4,230 per year for coverage—80% more than those with good credit. Insurance companies use credit-based insurance scores to predict the likelihood of claims. If your credit has improved since you first bought your policy, ask your insurer to re-rate you. Even a modest credit score improvement can save you hundreds of dollars annually.
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