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29401 Homeowners Insurance Quotes & Coverage Options

If you are looking to lower the cost of your homeowners insurance policy you have come to the right place. We have helped thousands of shoppers in 29401 zip code find a great new policy that offers the coverage they need at a price they can afford.

GetHomeInsuranceQuotes.com makes shopping for a new policy in Charleston, SC quick and easy. Our rates are super competitive and our agents can advise you on what coverages you need in 29401.

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If you are ready to start shopping for a great policy simply click the "Get Multiple Quotes Now" button, enter 29401 and start shopping.

Quickly and Easily Compare Average Rates for 29401

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.

Average Policy Rates in 29401

Homeowners in Charleston are paying roughly $1237 per year for a homeowners policy. We can help you shave up to 40 percent off of your current homeowners premium. Get started now and shop up to 12 insurance quotes from nationwide insurers right now.

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29401 Home Insurance Average Premiums

Local 29401 homeowners insurance quotes comparison

$987 /yr.

Shows Zip Code: 29401 lowest rates with discounts applied on average.

For the 29401, 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)
$987 /yr.
Average Coverage:$1237 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1537 /yr.

What is the average home insurance cost for a home in 29401?

  • • The average homeowners insurance premium paid annually for a home in 29401 is around $1237 per year.

What does it cost on average per month for home insurance in 29401?

  • • Homeowners in 29401 pay a monthly average cost per month around $103.00.

What kind of discount could I get if I combine my home and auto insurance together in 29401?

  • • Autoowners in 29401 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 29401.
Review average rates in another zip code:
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29492 homeowners insurance rates
29424 homeowners insurance rates
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29409 homeowners insurance rates
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29403 homeowners insurance rates

Home Replacement Cost Coverage in 29401

Average Building Cost Per Square Foot in 29401: $131

Location: Charleston, South Carolina (Charleston County)

Average Square Footage in 29401: 8,247 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 29401 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 29401 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 29401 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 8,247 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$1318,247$1,080,300
Additional Upgrades & Added Features$1648,247$1,350,375
Major Home Updates or Advancements$1978,247$1,620,450

It's important to understand that when you estimate your replacement cost of your home in the 29401 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 29401

Best Home & Auto Insurance Agencies in 29401

McQueeney- W Thomas

Address: 342 E Bay St Charleston, SC 29401
Phone:
Website:
Info:

State Farm-Ronald P Newman Insurance Agency

Address: 323 King St Charleston, SC 29401
Phone:
Website: http://www.elocallisting.com/local/Insurance/State_Farm-Ronald_P_Newman_Insurance_Agency2706_2.html
Info:

New York Life

Address: 200 Meeting St, #306 Charleston, SC 29401
Phone:
Website: http://www.newyorklife.com
Info: New York Life Insurance Company - The Company You Keep
Life Insurance, Annuities, Long-Term Care Insurance, and Mutual Funds from the Company You Keep. life insurance, annuities, long-term care insurance, whole, term, universal, life insurance quote, sales careers, New York Life

Housing Demographics for 29401

Population Review for 29401 Zip Code

For the city of Charleston, the population within 29401 has increased to over 9,831 residents in population size. The current population total is 9,145. We have broken down the population based on race below. In 29401, there are over 4045 in male population and 5100 females.

PopulationValues
Total Population9,145
White Population7886
Black Population733
Hispanic Population286
Asian Population86
Hawaiian Population2
Indian Population9
Other Population103
Male Population4045
Female Population5100
Population Estimate9831

Household Data for 29401

The average number of homes in 29401 is around 4,500, there are an average of 1.84 per household. The average house value according to local real estate values is around $1,080,300. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode4,500
Persons Per Household1.84
Average House Value$1,080,300
Income Per Household$88311
Median Age37.8
Median Age Male41.5
Median Age Female34.9
29401 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 Businesses1302
Number Of Employees16672
Business First Quarter Payroll276709
Business Annual Payroll1150017
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 Residential5343
Delivery Business1289
Delivery Total6582
Preferred Last Line KeyX23663
Classification Code
Multi-County
CSA Name
CBSA_DIV_Name
City State KeyX23663
Land Area1.534000
Water Area1.750000
City Alias Code
City Mixed CaseCharleston
City Alias Mixed CaseCharleston
Box Count0
SFDU3404
MFDU1484
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

    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 […]