Average homeowners insurance cost in Mount Pleasant, SC

Why you can trust Insure.com

Quality Verified

At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry.

In Mount Pleasant, homeowners pay an average annual rate of $4,135 (for the coverage level of $300,000 for dwelling, $100,000 for liability protection, and $1,000 deductible), according to Insure.com’s rate analysis. It’s $1,631 more than the national average of $2,504.

Homeowners insurance rates change from one home to another. The home insurance premium in Mount Pleasant depends on various factors, such as:

Size of your home
Age of your home
Amount of coverage you need
Location
Your credit score

To ensure you secure the best homeowners insurance policy, compare quotes from multiple insurers, enabling you to find the right coverage that aligns with your specific requirements.

Read this guide to learn how much homeowners insurance costs monthly in Mount Pleasant, what home insurance costs for different dwelling coverage, and which companies offer cheap home insurance in Mount Pleasant.

Key takeaways

The average cost of homeowners insurance in Mount Pleasant is $4,135 per year.
State Farm is the cheapest homeowners insurance company in Mount Pleasant with an average annual premium of $2,823.
If you increase your dwelling coverage from $200,000 to $300,000, you will just have to pay $1,184 more a year for home insurance.

Average homeowners insurance cost in Mount Pleasant per month

Residents of Mount Pleasant pay an average of $345 a month for homeowners insurance, as per Insure.com’s rate analysis. It’s $123 more than the state average of $222 and $136 more than the national average for home insurance across the United States.

The cost of your homeowners insurance policy in Mount Pleasant may change based on location, property value, and selected coverage options.

Average homeowners insurance cost for a $200,000 house in Mount Pleasant

In Mount Pleasant, SC, homeowners pay an average of $2,951 annually for a $200,000 home. The annual cost of home insurance is influenced by factors such as the risk of natural disasters in your area.

Regions more susceptible to natural disasters, such as floods, hurricanes, or tornadoes, typically face higher rebuilding costs, leading to increased insurance premiums. It is important to understand that standard insurance policies might not cover damages caused by floods or hurricanes. If you live in a flood-prone area, it is advisable to purchase flood insurance.

Average homeowners insurance cost for a $300,000 house in Mount Pleasant

According to a rate analysis by Insure.com, homeowners in Mount Pleasant pay an average of $4,135 per year for a $300,000 house. These rates are for the coverage limits of $100,000 for liability protection and $1000 deductible.

If you increase your dwelling coverage from $200,000 to $300,000, you will just have to pay $1,184 more a year for home insurance. It would be best to buy enough insurance to cover the full cost of rebuilding your home.

However, the amount of dwelling coverage you need may vary depending on the size of your home, the features in your home, and the cost of living in your area.

Average homeowners insurance cost in Mount Pleasant by Company

Among the carriers analyzed, State Farm is the cheapest homeowners insurance company in Mount Pleasant. It’s average annual rate for Mount Pleasant homeowners is $2,823. Allstate ranks second and Progressive makes it to the third spot with an average annual home insurance rate of $4,049.

Before choosing a homeowners insurance policy, it is important to do some research on the company. Our experts have analyzed all the insurance companies across Mount Pleasant and prepared a list of the cheapest home insurance providers. You can find below the Mount Pleasant home insurance companies and their average annual premium.

Home Insurance Company	Annual rate
State Farm	$2,823
Allstate	$3,672
Progressive	$4,049
Auto-Owners	$4,084
South Carolina Farm Bureau Mutual	$4,546
Travelers	$4,801
Farmers	$5,299
USAA*	$4,249

Methodology

Insure.com, with the help of Quadrant Information Services, gathered data for homeowners insurance rates in Mount Pleasant for $300,000 dwelling coverage and $100,000 liability coverage with a $1,000 deductible. The data presented are those with a good credit tier alignment.