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Searching for Homeowners Insurance in 29407

If you are a homeowners that lives in 29407 you may be searching for more affordable homeowners insurance in Charleston. Insurance rates can change on a yearly basis so if your current insurer has raised your rates recently it may be time to shop your coverage and we can help.

GetHomeInsuranceQuotes.com makes shopping your insurance policy quick and easy for residents of Charleston, SC. All you have to do is enter a bit of information about your home and we will gather 12 quotes from nationwide insurers, making sure that you get the best coverage levels and rates available.

Our South Carolina licensed agents will provide a free consultation to make sure you are fully protected as well as answer any questions you may have about policy options. Insurance can be complicated so it pays to have a professional walk you through your various policy choices. As always, our service is free.

Getting started is easy. Click the "Get Multiple Quotes Now" button, verify your zip code and start saving.

Get 29407 Home Insurance Rate Quotes Right Now!

You can easily compare rates for your home in ZIP starting an online quoting application to "get quotes". Or search additional Charleston, SC home insurance quotes in your local city and review the most competitive coverages and premiums.

Check Out 29407 Home Insurance Costs: high!

In Charleston, homeowners are paying roughly $972 per year for a HO-3 policy which is considered the standard for a single family home. In order to find the best policy at the best price, we compare rates from some of the most competitive insurers and present you with your best options for homeowners insurance coverage in 29407 zip code.

Our service is free and we never spam our clients so you only receive the information that you request. While all situations are different, in most cases, homeowners in Charleston are saving up to 40 percent on their policy costs by using GetHomeInsuranceQuotes.com.

Start shopping for a 29407 policy right now!

29407 Home Insurance Average Premiums

Local 29407 homeowners insurance quotes comparison

$722 /yr.

Shows Zip Code: 29407 lowest rates with discounts applied on average.

For the 29407, 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)
$722 /yr.
Average Coverage:$972 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1272 /yr.

What is the average home insurance cost for a home in 29407?

  • • The average homeowners insurance premium paid annually for a home in 29407 is around $972 per year.

What does it cost on average per month for home insurance in 29407?

  • • Homeowners in 29407 pay a monthly average cost per month around $81.00.

What kind of discount could I get if I combine my home and auto insurance together in 29407?

  • • Autoowners in 29407 can receive a 20% to 25% discount if they own a home and would like to group or bundle their car and home insurance together with one insurance company.

For shopping home insurance rates within the Charleston area, check out other zip codes nearby 29407.
Review average rates in another zip code:
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Home Replacement Cost Coverage in 29407

Average Building Cost Per Square Foot in 29407: $131

Location: Charleston, South Carolina (Charleston County)

Average Square Footage in 29407: 2,591 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 29407 before you start any project. Charleston homeowners pay on average around $131 per square foot to build a home. Another great reason to know the average cost to build is for your homeowners insurance policy. A standard homeowners policy will help you cover the replacement cost of your home due a fire or any other named perils on your policy. Calculating your dwelling coverage for your home in 29407 is extremely helpful when estimating how much replacement cost coverage you need. We highly recommend that you have enough dwelling coverage to rebuild your home if it was destroyed by a covered peril.

Here is how you determine your replacement cost. If we take an average home in 29407 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 2,591 sq. ft. and the average cost to rebuild the home in this area is around $131 per square foot would be considered a base estimate cost. These two numbers would allow us to generate the replacement cost needed for an average size home in the Charleston area. If the home is new or has been upgraded, you will want to add $50 to $100 or more per square foot to equally cover the replacement cost to restore a home back to it's original condition.

Home Improvement StatusPrice per Sq. Ft.Square FeetDwelling Coverage
Basic Home Features$1312,591$339,400
Additional Upgrades & Added Features$1642,591$424,250
Major Home Updates or Advancements$1972,591$509,100

It's important to understand that when you estimate your replacement cost of your home in the 29407 zip code area, it will be the cost to replace the structure of your home, not the additional value of the property that is factored in when purchasing a new home.

Best Homeowners Insurance Agencies in 29407

Allstate Insurance - Kevin Shealy

Address: 781 Saint Andrews Blvd Charleston, SC 29407
Phone: (843)573-4777
Website: agent.allstate.com/94970

A & A Insurance Agency

Address: 1525 Sam Rittenberg Boulevard Charleston, SC 29407
Phone: (843)571-5060
Website:

Lesemann Insurance Agency

Address: 1064 Gardner Road Suite 115 Charleston, SC 29407
Phone: (843)571-6721
Website:

Christen Charles P Jr Agency Nationwide

Address: 2065 Savannah Highway Charleston, SC 29407
Phone: (843)556-4221
Website:

Allstate Insurance - Lee S Demarest Jr

Address: 1890 Sam Rittenberg Blvd Charleston, SC 29407
Phone: (843)763-4573
Website: www.allstatetoolkit.com/clicks_rate.asp?MB_ID=16152

Best Home & Auto Insurance Agencies in 29407

Urquit A Morris Ins Agcy Inc

Address: 1700 Ashley River Rd Charleston, SC 29407
Phone:
Website:
Info:

Williamson- Gail T

Address: 1715 Sam Rittenberg Blvd Charleston, SC 29407
Phone:
Website:
Info:

C T Lowndes & CO

Address: 749 Saint Andrews Blvd Charleston, SC 29407
Phone:
Website: http://www.ctlowndes.com
Info:

Christen Charles P Jr Agency Nationwide

Address: 2065 Savannah Hwy Charleston, SC 29407
Phone:
Website:
Info:

Lempesis- Basil L

Address: 1365 Ashley River Rd Charleston, SC 29407
Phone:
Website:
Info:

Housing Demographics for 29407

Population Review for 29407 Zip Code

For the city of Charleston, the population within 29407 has increased to over 38,031 residents in population size. The current population total is 35,373. We have broken down the population based on race below. In 29407, there are over 16903 in male population and 18470 females.

PopulationValues
Total Population35,373
White Population22537
Black Population9457
Hispanic Population1715
Asian Population734
Hawaiian Population84
Indian Population69
Other Population765
Male Population16903
Female Population18470
Population Estimate38031

Household Data for 29407

The average number of homes in 29407 is around 16,796, there are an average of 2.10 per household. The average house value according to local real estate values is around $339,400. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode16,796
Persons Per Household2.10
Average House Value$339,400
Income Per Household$67486
Median Age38.1
Median Age Male36.9
Median Age Female39.4
29407 DetailsValues
StateSC
State Full NameSouth Carolina
City TypeP
City Alias Abbreviation
Area Code843/854
CityCharleston
City Alias NameCHARLESTON
CountyCharleston
County FIPS019
State FIPS45
Time Zone5
Day Light SavingY
MSA1440
PMSA
CSA
CBSA16700
CBSA_DIV
CBSA_TypeMetro
CBSA_NameCharleston-North Charleston, SC
MSA_NameCharleston-North Charleston, SC MSA
PMSA_Name
RegionSouth
DivisionSouth Atlantic
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses1686
Number Of Employees19184
Business First Quarter Payroll211154
Business Annual Payroll940855
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population664607
CBSA Division Population0
Congressional District06
Congressional LandArea8062.93
Delivery Residential18110
Delivery Business1960
Delivery Total25021
Preferred Last Line KeyX23663
Classification Code
Multi-County
CSA Name
CBSA_DIV_Name
City State KeyX23663
Land Area15.368000
Water Area2.585000
City Alias Code
City Mixed CaseCharleston
City Alias Mixed CaseCharleston
Box Count0
SFDU11276
MFDU3470
State ANSI45
County ANSI019
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number451480
Unique ZIP Name
SSA State County Code42090
Medicare CBSA Code16700
Medicare CBSA NameCharleston-North Charleston, SC
Medicare CBSA TypeMetro
Market Rating Area ID10
County Mixed CaseCharleston

South Carolina Homeowners Insurance News & Information

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  • 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, […]

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    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

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  • 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 […]