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29928 Home Insurance Rates

Getting multiple homeowners insurance rates in 29928 is the best way to review and compare all the coverage options available for you, your home and your family. Our homeowners rates are very competitive for homeowners living in the great city of Hilton Head Island, SC. Many homeowners based out of the 29928 zip code have found it very easy to shop with GetHomeInsuranceQuotes.com. The reason is because we clearly showcase the carriers that we will shop for you. We can compare up to 12 competitive home insurance rates for you all in one place. Plus, our home insurance quotes are free and our South Carolina licensed home insurance professionals can provide a free consultation service to you that allows you to ask questions about which policy and coverage package is best for you. To get free home insurance quotes, simply click the "Get Multiple Quotes Now" button. Your 29928 should appear in the zip code field ready to go. For Hilton Head Island, SC Home Insurance Quotes, Click to easily get started!

29928 Homeowners Insurance Rates, Average Rating: High!

Your homeowners insurance policy in 29928 consists of both property and casualty insurance coverage. This type of policy will insure your home against a variety of risks, including fire, theft and windstorm damage. Additional protection is also included in most policies that offer liability coverage against accidents that may injure other people on your property in Hilton Head Island. For a basic HO-3, standard homeowners policy, the average premium per year in South Carolina is around $1070. By shopping your home insurance with us at GetHomeInsuranceQuotes.com, we can help you compare the most affordable rates and enhanced coverage options. Please enter your 29928 zip code today and let us help you save time and money on your homeowners insurance premium.

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29928 Home Insurance Average Premiums

Local 29928 homeowners insurance quotes comparison

$820 /yr.

Shows Zip Code: 29928 lowest rates with discounts applied on average.

For the 29928, 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)
$820 /yr.
Average Coverage:$1070 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1370 /yr.

What is the average home insurance cost for a home in 29928?

  • • The average homeowners insurance premium paid annually for a home in 29928 is around $1070 per year.

What does it cost on average per month for home insurance in 29928?

  • • Homeowners in 29928 pay a monthly average cost per month around $89.00.

What kind of discount could I get if I combine my home and auto insurance together in 29928?

  • • Autoowners in 29928 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 Hilton Head Island area, check out other zip codes nearby 29928.
Review average rates in another zip code:
29926 homeowners insurance rates
29928 homeowners insurance rates

Home Replacement Cost Coverage in 29928

Average Building Cost Per Square Foot in 29928: $131

Location: Hilton Head Island, South Carolina (Beaufort County)

Average Square Footage in 29928: 4,756 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 29928 before you start any project. Hilton Head Island 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 29928 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 29928 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 4,756 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 Hilton Head Island 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$1314,756$623,100
Additional Upgrades & Added Features$1644,756$778,875
Major Home Updates or Advancements$1974,756$934,650

It's important to understand that when you estimate your replacement cost of your home in the 29928 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 29928

Coastal Plains Insurance

Address: 5 Bow Circle Hilton Head Island, SC 29928
Phone: (843)785-7733
Website: www.coastalplains.com

Best Home & Auto Insurance Agencies in 29928

Housing Demographics for 29928

Population Review for 29928 Zip Code

For the city of Hilton Head Island, the population within 29928 has increased to over 24,215 residents in population size. The current population total is 15,538. We have broken down the population based on race below. In 29928, there are over 7401 in male population and 8137 females.

PopulationValues
Total Population15,538
White Population13801
Black Population354
Hispanic Population937
Asian Population144
Hawaiian Population4
Indian Population53
Other Population448
Male Population7401
Female Population8137
Population Estimate24215

Household Data for 29928

The average number of homes in 29928 is around 7,836, there are an average of 1.97 per household. The average house value according to local real estate values is around $623,100. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode7,836
Persons Per Household1.97
Average House Value$623,100
Income Per Household$88170
Median Age63.5
Median Age Male63.4
Median Age Female63.6
29928 DetailsValues
StateSC
State Full NameSouth Carolina
City TypeP
City Alias AbbreviationHILTON HEAD
Area Code843/854
CityHilton Head Island
City Alias NameHILTON HEAD ISLAND
CountyBeaufort
County FIPS013
State FIPS45
Time Zone5
Day Light SavingY
MSA
PMSA
CSA
CBSA25940
CBSA_DIV
CBSA_TypeMetro
CBSA_NameHilton Head Island-Bluffton-Port Royal, SC
MSA_Name
PMSA_Name
RegionSouth
DivisionSouth Atlantic
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses1096
Number Of Employees12043
Business First Quarter Payroll109023
Business Annual Payroll556077
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population187010
CBSA Division Population0
Congressional District01
Congressional LandArea1547.86
Delivery Residential12292
Delivery Business860
Delivery Total14634
Preferred Last Line KeyX24035
Classification Code
Multi-County
CSA Name
CBSA_DIV_Name
City State KeyX24035
Land Area20.704000
Water Area7.323000
City Alias Code
City Mixed CaseHilton Head Island
City Alias Mixed CaseHilton Head Island
Box Count52
SFDU8167
MFDU2100
State ANSI45
County ANSI013
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number453960
Unique ZIP Name
SSA State County Code42060
Medicare CBSA Code25940
Medicare CBSA NameHilton Head Island-Bluffton, SC
Medicare CBSA TypeMetro
Market Rating Area ID7
County Mixed CaseBeaufort

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 […]