Pawleys Island, SC Home Insurance Quotes!

You can now easily compare up to 12 home insurance rates in Pawleys Island, SC online without the hassle of multiple home insurance agents or companies calling you all at once. At GetHomeInsuranceQuotes.com, we provide superior service when it comes to finding cheaper rates with better coverage options. The majority of our carrier options are rated "A+" by A.M. Best and most of all they are brand names you can trust like Travelers, Safeco, Nationwide, Liberty Mutual, Progressive, and so many more carriers that are very competitive in the Pawleys Island area.

Getting multiple South Carolina homeowners insurance quotes doesn't have to be a stressful burden. We make it easy for you to get the quotes you need fast so you have time to review, compare and save up to 40% or more on your new home insurance policy. Please visit our discounts and credits page to find out how you can save additional money on your home insurance premium to help make it more affordable. Our process will run multiple estimates to help you apply all the discounts available so we can help you bundle and package your home insurance coverage together. This process makes it easy for you to get the home insurance shopping done right the first time.

Our Pawleys Island, SC Home Insurance Quoting Process

It's time to start saving time and money by shopping your policy with us. Lower rates are available for homeowners living in Pawleys Island as low as $702 a year, so it's important to work with a Pawleys Island homeowners insurance agent that knows the best carrier that's right for you and your family. Our process is simple and thousands of homeowners just like you enjoy our fast, free shopping service. Once you complete our quoting application, we will present up to 12 rates. We will also assign one licensed home insurance professional to help answer any questions that you may have. Enter your zip code and get your quotes today!

Homeownership in Pawleys Island, SC

It's no secret that Pawleys Island, SC has now reached over 68,030 residents in population size with 30,875 homes within the city of Pawleys Island. The average number of homes per zip code in Pawleys Island is around 6,175. With population density increasing, it's important to make sure your home has the proper coverage within your local neighborhood or district.

Source	Value
Location:	Pawleys Island, SC (GEORGETOWN County)
Population:	68,030
Occupied Residents:	30,875
Average Real Estate Value Per Zip Code:	$332,500

Homeowners Insurance Rates in Pawleys Island

Common questions that we get from homeowners based out of Pawleys Island, usually have to do with a comparision request of what they are currently paying per year for home insurance and what other homeowners in Georgetown County are also paying for the best home insurance coverage. Residents of Pawleys Island, SC are currently paying $952 per year for homeowners insurance coverage on average, where the majority of the United States home insurance premiums are around $1,311. When we shop your policy, you can expect more affordable premiums that can be as low as $702 a year for great coverage with a great company. Homes that are larger in square footage require more replacement cost coverage so rates for a home above the 2500 square foot range are seeing rates around $1,252 a year. Most homeowners in your area are paying around $79 per month for a standard homeowners policy not including wind and hail insurance, flood or earth quake coverage. Those require a separate policy to help cover major damages to your home.

Compare Homeowners Insurance Rates in Pawleys Island, SC!

Get up to 12 competitive Pawleys Island, SC homeowners insurance rates all in one place!

Pawleys Island, SC Insurance Quotes & Service

With over 20 years of South Carolina homeowners insurance coverage and quoting experience, we enjoy helping customer find the best price and coverage options for your home in Pawleys Island, SC. Our new carrier platform includes quick rates from the very best insurance companies, like Liberty Mutual, Safeco Insurance, Tower Hill, ShoreOne, Kind Group Underwriting, AIG, Chubb, Travelers, National General, Heritage Insurance and the South Carolina Wind and Hail Underwriting Association for wind and hail insurance policies. Getting the best insurance rates with the right insurance company is key to protecing your Pawleys Island home. Let us help you shop the best rates and coverages today!

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Average Rates Nearby Pawleys Island

Are you looking for homeowners insurance in a city near Pawleys Island? Review coverage options and average rates in your area by clicking your city below. We can help you shop home insurance rates!

Home Insurance Rates by Zipcode in Pawleys Island, SC

Easily review average rates and get multiple homeowners insurance quotes by clicking your zip code below located in Pawleys Island.

29585,

Pawleys Island, SC Home Insurance Average Premiums

Local Pawleys Island, SC home insurance quotes comparison

$702 /yr.

Shows Pawleys Island's lowest average rates with discounts applied.

For the city of Pawleys Island, homeowners insurance rates may vary on deductible, coverage amount and property details. Below is a list of the averages based on the cost of an annual home insurance premium.

Coverage Amount:	Annual Premium
1800 sq. ft. or below (discounts applied)	$702 /yr.
Average Coverage:	$952 /yr.
2600 sq. ft. or higher (all discounts applied)	$1252 /yr.

What is the average home insurance cost for a home in Pawleys Island, SC?

• The average homeowners insurance premium paid annually for a home in Pawleys Island is around $952 per year.

What does it cost on average per month for home insurance in Pawleys Island, SC?

• Homeowners in Pawleys Island pay an average cost per month around $79.00 for insurance coverage.

Pawleys Island, SC Coastal Wind, Hail & Flood Information

Pawleys Island is located in a coastal county which greatly increases the risk of hurricanes and windstorms. Our quoting process will include wind and hail coverage options to give you the best protection you need against high winds and storm damage.

Flood Zone Notice: The beautiful coastal city of Pawleys Island is know for it's beautiful beaches and waterways. Because Georgetown County (FIPS: 45043) has a shoreline and is in a coastal area it is important to purchase flood insurance. The risk is very high in this area and we will work with you to provide the best flood insurance coverage you need for your home in Pawleys Island, SC.

Coastal South Carolina Information: Coastal South Carolina Home Insurance Rates

Pawleys Island Flood Insurance and Windstorm Coverage
Pawleys Island is a coastal community that is often at risk from windstorms and other severe weather. In these types of areas, it is a good idea to carry wind and hail coverage. Our quoting process will include wind and hail coverage options to give you the best protection you need against high winds and storm damage.

Flood damage is another peril that South Carolina homeowners must deal with due to our extreme weather and sea level elevation. Unfortunately, a standard homeowners policy excludes flood coverage. In order to fully protect your home, you should consider purchasing a separate flood insurance policy.

Pawleys Island, SC - 2023 Housing Information

Month	Current Home Value (2023)	Last Year Home Value (2022)
January	$476,326	$420,575
February	$476,276	$429,447
March	$479,387	$439,085
April	$484,161	$448,902

Homeowners insurance will help cover the cost to repair or replace your Pawleys Island home if it is damaged or destroyed by a covered peril, up to your coverage limits. A homeowners policy is made up of a few different coverages. Here are the most common coverages:

Dwelling: This coverage will pay to repair or replace the structure of your home if it is damaged or destroyed. Review and Calculate Replacement Cost Coverage in Pawleys Island
Liability: This coverage will help cover medical and legal bills if someone is injured in your home, slipping on an icy sidewalk for example. It also offers protection if you damage another person’s property, your child hitting a baseball through a neighbor’s window for example.
Contents: This covers the cost to replace your personal possessions that are destroyed by a covered peril. Furniture, electronics, clothing and household goods are excellent examples. Contents coverage is often capped at 50% to 70% of your dwelling coverage.
Other Structures: This coverage protects other structures on your property such as detached garages, outbuildings, barns, and sheds.
Loss of use: This covers everyday costs that you incur if you cannot live in your home while it is being repaired due to a claim. It will pay hotel and restaurant bills and even the cost of dry cleaning.

Get up to 12 competitive Pawleys Island, SC homeowners insurance rates all in one place!

Saving Money Tips on Pawleys Island Home Insurance

A great way to save money on Pawleys Island homeowners insurance is to make sure you are getting all the discounts you are qualified to receive. Here are just a few of the most common discount’s insurers offer:

Bundling: If you purchase your home and auto (or any other insurance coverage) from the same insurer, you should get a bundling discount. Expect to save 20%-25%.
Secure your home: Adding a monitored security system, water leak sensors, deadbolts, and smoke detectors should result in a discount.
Impact resistant roof: If you are replacing your roof, consider impact resistant roofing materials which help prevent hail and impact damage as well as resulting in a significant discount.
Stay claim free: If you have been claim free for a number of years (five is a common requirement) your insurer should offer a claim free discount.

Are you shopping for the best rate near or wihin the Pawleys Island area? Check out what homeowners are paying on average for South Carolina homeowners insurance.

Elevation Review for Coastal Wind or Flooding Risk

Elevation	Details	Homeowners Tips
14 ft.	This is the average home elevation in Pawleys Island, SC	» Elevation is crucial to a homeowners insurance policy because it determines the risk of your home being in a flood zone which is particularly important in a coastal state such as Pawleys Island, South Carolina. A standard homeowners policy does not cover flood damage. If you live in a flood prone area, you will need to purchase a separate flood to fully protect your home. Call Now for Flood Insurance Quotes: 888-620-1954! Flood insurance can be purchased via the National Flood Insurance Program (NFIP) or in the private market. NFIP policies come with coverage caps and other restrictions so you may need to supplement your flood insurance coverage with a private market policy. It's important to remember that flooding occurs in low and moderate risk areas as well. According to FEMA data, almost 25% of all flood claims come from low to moderate-risk areas.

Elevation

Details

Homeowners Tips

14 ft.

This is the average home elevation in Pawleys Island, SC

» Elevation is crucial to a homeowners insurance policy because it determines the risk of your home being in a flood zone which is particularly important in a coastal state such as Pawleys Island, South Carolina.

A standard homeowners policy does not cover flood damage. If you live in a flood prone area, you will need to purchase a separate flood to fully protect your home.

Call Now for Flood Insurance Quotes: 888-620-1954!

Flood insurance can be purchased via the National Flood Insurance Program (NFIP) or in the private market. NFIP policies come with coverage caps and other restrictions so you may need to supplement your flood insurance coverage with a private market policy.

It's important to remember that flooding occurs in low and moderate risk areas as well. According to FEMA data, almost 25% of all flood claims come from low to moderate-risk areas.

To get online quotes on your home and compare rates on home insurance premiums in Pawleys Island, enter your zip code above and easily complete our online quoting application. Remember, it's important to speak with us about additional home insurance discounts so you can get the best rate for your home in Georgetown County.

South Carolina Homeowners Insurance News & Information

Coastal South Carolina Home Insurance Rates Posted on Saturday 30th December, 2023
South Carolina is an amazing place to call home. It is overflowing with world-class cities, beautiful beaches, museums, and restaurants. It is truly a wonderful place to live. Unfortunately, some of our beautiful coastal cities, Myrtle Beach, Charleston and Hilton Head as an example come with some pretty high homeowners insurance premiums if you live […]
Will my home insurance cover roof replacement? Posted on Saturday 24th December, 2022
The answer to the question “does insurance cover roof replacement,” is not always clear cut. In most cases, it will depend on the reason that your roof needs to be replaced. If your roof has simply reached the end of its life, the cost to replace it will fall to you. On the other hand, […]
Am I underinsured for hurricane damage? Posted on Thursday 26th August, 2021
Tropical Storm Henri hit the Northeast pretty hard over the last week and for many homeowners the pain caused by the storm could just be getting started. Unfortunately, many homeowners may be underinsured or not have the right coverage in place when it comes to tropical storm and hurricane damage. A recent study by Policygenius […]
What can increase the cost of your homeowners insurance? Posted on Wednesday 28th October, 2020
If you are in the market for a house, the cost of homeowners insurance is probably not your number one priority but some homes come with risks that could dramatically up the cost of insuring your new home. Knowing what risks can be an insurance issue with a home can help you save not only […]
Hurricane Isaias is on the same track as Hurricane Dorian – What can we expect? Posted on Wednesday 5th August, 2020
Hurricane Isaias is on roughly the same track as Hurricane Dorian and is the first hurricane to hit the Bahamas since Dorian stalled over the islands as a Category 5 monster killing dozens of people and causing massive destruction. Here is a quick overview of both storms as well as a few tips on how […]

Pawleys Island, SC Dwelling Coverage Estimate

It is important to calculate your dwelling coverage for your home in Pawleys Island so you know what type of homeowners insurance coverage you need to cover your replacement cost. It is recommended to have enough dwelling coverage to rebuild your home if it was destroyed by a covered peril.

Please remember that replacement cost coverage does not include the cost of the land, only the price to rebuild your home, which is why we like to help customers by answering a few questions that you may have.

What is the average replacement cost coverage in Pawleys Island, SC?

- The average square footage in Pawleys Island is around 2,538 Sq. Ft. which would cost you around $332,500 to replace the home if you base the home on the price to build per square foot of $131.

Minimum Replacement Cost Total: $332,500

Location: Pawleys Island, South Carolina (Georgetown County)

Average Building Cost Per Square Foot in Pawleys Island: $131 (low end)

Average Square Footage in Pawleys Island: 2,538 Sq. Ft.

Home Improvement Status	Price per Sq. Ft.	Dwelling Coverage
None or Very Minor Improvements	$131	$332,500
Some Additional Upgrades	$164	$415,625
Major Home Updates or Advancements	$197	$498,750

Calculate Your Pawleys Island, SC Dwelling Coverage

The dwelling coverage is calculated by the average cost per square foot ($131) in Pawleys Island, South Carolina times your heated square footage. Which would equal the cost to rebuild your home minus the cost of the property or land. Some homes will have a higher replacement cost due to home improvements like updated kitchens and bathrooms. Other upgrades may include: granite countertops, hardwood floors and stainless steel appliances. The national square foot average to build a brand new home is around 2500 square feet. So if you are looking to build, and your square footage of your new home is 2500, you are looking at a dwelling coverage premium of around $409,375 (Media price to build of $164 x 2500 sq. ft.) to cover the cost to rebuild your new home.

What is the difference between actual cash value and replacement cost value?

Homeowners insurance is available in both actual cash value (ACV) and replacement cost value (RCV). Knowing the difference is important:

Actual cash value: When valuing your personal possessions, an actual cash value policy will take depreciation into account. This means that your 10-year-old TV will be basically worthless according to your insurance company. While an ACV policy tends to be cheaper, if you have to make a claim you may be disappointed in your claim payout.

Replacement cost value: A RCV policy will replace your possessions with brand new items of similar quality regardless of how old they were at the time they were destroyed. While RCV policies are slightly more expensive, they are well worth the cost if you have to make a claim.