Updated: December 23, 2024
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In North Charleston, S.C., Chubb is both the overall best and cheapest choice for home insurance. Even when customer service is your priority, Chubb is still the top choice.
Different companies cater to different needs and choosing the best cheap home insurance depends on factors like coverage options and customer service.
Best HomeInsuranceN. CharlestonTable of Contents
Why Trust MoneyGeek? We used data from South Carolina's Department of Insurance and Quadrant Information Services to help us find the best homeowners insurance providers in North Charleston.
In North Charleston, the rates for home insurance represent the most competitive quotes as of September 2024.
MoneyGeek found that Chubb is the best option for home insurance in North Charleston, S.C., for $100K dwelling coverage, with a MoneyGeek score of 99 out of 100.
The scores for home insurance companies in North Charleston range from 51 to 99. These figures reflect MoneyGeek's scoring system, meaning different scores may occur depending on factors like credit history and the age of your home.
| Chubb | 99 | $894 |
| State Farm | 85 | $1,214 |
| Auto-Owners Insurance | 79 | $2,115 |
| Allstate | 75 | $1,197 |
| Foremost Insurance | 69 | $1,384 |
| Nationwide | 67 | $2,318 |
| Travelers | 51 | $3,279 |
MoneyGeek found that Chubb is the best option in North Charleston, S.C., for $100K dwelling coverage. The two best overall home insurance companies in North Charleston for this coverage are:
Chubb stands out as the best home insurance provider due to its affordability and high customer satisfaction, contributing significantly to its MoneyGeek score.
In North Charleston, S.C., many companies offer diverse cost and service experiences. While cost is key, consider other factors like customer service and the claims process, as these are vital when filing claims.
Chubb scores high on affordability and satisfaction, making it the best overall company. It offers comprehensive home insurance with guaranteed replacement costs and building ordinance or law coverages. It also provides discounts for new homes and home renovations, helping policyholders save money. For example, you can get a discount if your home is renovated within the last six years.
Chubb's guaranteed replacement cost helps rebuild your home even if costs exceed policy limits. The building ordinance or law coverage pays to bring damaged areas up to current codes. Cash settlement allows you to receive money if you choose not to rebuild. These options provide flexibility and protection for your home.
MoneyGeek found that Chubb offers the best customer service in home insurance in North Charleston, S.C., for $100K dwelling coverage. Here are the top two providers for this coverage in North Charleston:
Chubb stands out mainly because of its exceptional customer satisfaction and affordable annual premium. Choose Chubb for its cost-effective insurance plans and commitment to customer happiness. Excellent service in home insurance means providing reliable support and clear communication when you need help the most.
Chubb scores high on affordability and satisfaction, making it the best overall company. It offers comprehensive home insurance with guaranteed replacement costs and building ordinance or law coverages. You can save with discounts like new home and home renovation. A new home discount applies if your home is 10 years old or less.
Chubb's guaranteed replacement cost helps rebuild your home even if costs exceed policy limits. The building ordinance or law coverage pays to bring damaged areas up to current codes. Cash Settlement offers a payout if you choose not to rebuild after a total loss.
MoneyGeek found that Chubb is the best cheap home insurance company in North Charleston, S.C. For $100K dwelling coverage, Chubb ranks highest. The top two best cheap insurance providers for $100K dwelling coverage are:
Chubb stands out for its excellent affordability score and customer satisfaction, making it the best cheap choice. However, choosing cheap home insurance often means opting for lower coverage. While this can save money, it may not cover everything if an accident occurs. In instances where saving on premiums is a priority, considering the cheapest homeowner insurance companies may be beneficial.
What sets the best cheap home insurance apart from the cheapest is its value for money, balancing cost with the coverage that meets a homeowner's needs without being costly. As a bonus, Chubb is both the cheapest and best cheap option.
Chubb scores high on affordability and satisfaction, making it the best overall company. It offers comprehensive home insurance with guaranteed replacement costs and building ordinance or law coverages. It also provides discounts for new homes and home renovations, helping policyholders save money. For example, you can get a discount if your home is renovated within the last six years.
Chubb provides useful coverages like cash settlement, which lets you choose a cash payout if you don't rebuild. Its guaranteed replacement cost helps rebuild your home even if costs exceed policy limits. Its building ordinance or law coverages pay to bring damaged areas up to current codes. These coverages protect your home and belongings.
MoneyGeek’s home insurance calculator will give you a ballpark estimate of your cost — it’s free, no personal information required, no spam.
Rates updated:
Dec 23, 2024
In North Charleston, many factors, including location, affect homeowners insurance. Comparing rates is the best way to save, but it can take over an hour since each company might take 15 minutes to review. MoneyGeek's home insurance calculator can help you save time. Just enter details like age, dwelling coverage and credit score to get an estimate.
MoneyGeek found that Chubb is the best option in North Charleston, South Carolina, based on affordability and premium.
Chubb stands out as the cheapest homeowners insurance, offering a competitive annual premium. Despite being affordable, Chubb also ranks high on satisfaction. State Farm, although pricier, is the cheapest option for higher dwelling coverage, balancing both cost and high scores. The main factor affecting home insurance premiums is the dwelling coverage you select.
Buying the cheapest homeowners insurance in South Carolina can help manage your finances effectively.
| Chubb | $894 |
| Allstate | $1,197 |
| State Farm | $1,214 |
| Foremost Insurance | $1,384 |
| Auto-Owners Insurance | $2,115 |
| Nationwide | $2,318 |
| Travelers | $3,279 |
State Farm is found to be the cheapest option for high-value homes with dwelling coverage of $750K in North Charleston, S.C. High dwelling coverage is necessary for homes with a high replacement cost, and home insurance costs can increase due to various factors.
State Farm stands out as the least expensive choice in the city for high-value homes. While it is the most cost-effective, another company might score higher overall.
| State Farm | $5,192 |
| Allstate | $6,398 |
| Chubb | $8,289 |
| Auto-Owners Insurance | $8,616 |
| Travelers | $10,456 |
| Foremost Insurance | $11,832 |
| Nationwide | $14,934 |
State Farm offers the lowest annual premium for home insurance in North Charleston, S.C., for new homes.
The reason State Farm is the most affordable option in North Charleston is due to its competitive pricing for new homes, although it may not be the top choice based on other ratings. It's important to ensure you are adequately covered while choosing the cheapest option.
| State Farm | $674 |
| Chubb | $712 |
| Nationwide | $791 |
| Allstate | $840 |
| Foremost Insurance | $929 |
| Travelers | $1,248 |
| Auto-Owners Insurance | $1,638 |
The best cheap homeowners insurance providers balance quality and cost, offering great customer service and coverage with affordable premiums. The best cheap homeowners insurance in North Charleston depends on your needs.
Consider factors like coverage options, customer reviews and deductibles.
Consider the specifics of your home in North Charleston, S.C., to determine how much home insurance coverage you need. Think about rebuilding costs, personal property value and liability requirements.
Look into insurance companies that operate in North Charleston. Focus on those with strong financial stability, positive customer feedback and a proven service record.
Identify the coverages you need and compare home insurance quotes. In North Charleston, S.C., premiums for $100K dwelling coverage range from $894 to $2,318.
Inquire with each insurer about potential discounts, such as those for policy bundling, safety installations or maintaining a claims-free record.
Opting for a higher home insurance deductible can reduce your premium, but ensure it's a sum you can manage if a claim arises.
Enhancing your home's security with systems and sturdy locks can lower its risk profile and potentially decrease insurance costs.
A good credit score can influence your insurance rates in North Charleston, S.C. Ensure timely bill payments and minimize outstanding debts.
Think about bundling your homeowners insurance with other policies like auto insurance for potential savings and discounts.
The best cheap home insurance provider in North Charleston depends on your coverage needs and budget. Get answers to some of the most commonly asked questions about the best cheap insurance rates in North Charleston, South Carolina.
The average cost of home insurance in North Charleston is $1,359, which is lower than the $2,708 average cost of homeowners insurance in South Carolina.
The cheapest home insurance company in North Charleston, S.C., is Chubb with an annual premium of $894.
The best home insurance in South Carolina for North Charleston residents is provided by Chubb, with a MoneyGeek score of 99 out of 100.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.
