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29435 Home Insurance Quotes & Rates

Currently, the 1,596 homes within the 29435 zip code are being challenged with rate increases and the demand for more affordable homeowners insurance premiums. The average home insurance rate for South Carolina is around $961 per year for a standard HO-3 homeowners policy. A standard homeowners policy in Cottageville, SC, insures your home from theft, fire, windstorm damage and liability accidents on your property. Flood or earthquake damage is not covered under a basic homeowners policy, we can help you review the best coverage option for your home in 29435.

South Carolina is now ranking #18 in the country for the highest premiums. If you are trying to lower your premium and want to compare up to 12 Cottageville home insurance quotes all in one place then GetHomeInsuranceQuotes.com of South Carolina has the online shopping service for you. Our hassle free online quoting application allows homeowners in the 29435 area to review and compare the best rates and coverage options. We can provide a free consultation process to help you decide which carrier, coverage and policy is the best fit for you and your family. We realize that protecting your most valuable investment is very important to you, that is why we want to help you increase your coverage while providing the most affordable rates available. Let us help you shop and compare your Cottageville, South Carolina home insurance rates today!

Please give us a call now at 1-866-918-3404, easily get up to 12 rates over the phone in minutes. For Cottageville, SC Home Insurance Quotes, start your shopping process to today, it's easy and hassle free!

29435 Home Insurance Average Premiums

Local 29435 homeowners insurance quotes comparison

$711 /yr.

Shows Zip Code: 29435 lowest rates with discounts applied on average.

For the 29435, 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)
$711 /yr.
Average Coverage:$961 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1261 /yr.

What is the average home insurance cost for a home in 29435?

  • • The average homeowners insurance premium paid annually for a home in 29435 is around $961 per year.

What does it cost on average per month for home insurance in 29435?

  • • Homeowners in 29435 pay a monthly average cost per month around $80.00.

What kind of discount could I get if I combine my home and auto insurance together in 29435?

  • • Autoowners in 29435 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 Cottageville area, check out other zip codes nearby 29435.
Review average rates in another zip code:
29435 homeowners insurance rates

Home Replacement Cost Coverage in 29435

Average Building Cost Per Square Foot in 29435: $131

Location: Cottageville, South Carolina (Colleton County)

Average Square Footage in 29435: 1,068 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 29435 before you start any project. Cottageville 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 29435 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 29435 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,068 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 Cottageville 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$1311,068$139,900
Additional Upgrades & Added Features$1641,068$174,875
Major Home Updates or Advancements$1971,068$209,850

It's important to understand that when you estimate your replacement cost of your home in the 29435 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 29435

Best Home & Auto Insurance Agencies in 29435

Housing Demographics for 29435

Population Review for 29435 Zip Code

For the city of Cottageville, the population within 29435 has increased to over 4,113 residents in population size. The current population total is 3,819. We have broken down the population based on race below. In 29435, there are over 1960 in male population and 1859 females.

PopulationValues
Total Population3,819
White Population2768
Black Population605
Hispanic Population109
Asian Population12
Hawaiian Population3
Indian Population153
Other Population61
Male Population1960
Female Population1859
Population Estimate4113

Household Data for 29435

The average number of homes in 29435 is around 1,596, there are an average of 2.39 per household. The average house value according to local real estate values is around $139,900. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode1,596
Persons Per Household2.39
Average House Value$139,900
Income Per Household$39959
Median Age46.3
Median Age Male47.1
Median Age Female45.7
29435 DetailsValues
StateSC
State Full NameSouth Carolina
City TypeP
City Alias Abbreviation
Area Code843
CityCottageville
City Alias NameCOTTAGEVILLE
CountyColleton
County FIPS029
State FIPS45
Time Zone5
Day Light SavingY
MSA
PMSA
CSA
CBSA
CBSA_DIV
CBSA_Type
CBSA_Name
MSA_Name
PMSA_Name
RegionSouth
DivisionSouth Atlantic
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses34
Number Of Employees179
Business First Quarter Payroll1240
Business Annual Payroll5707
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population0
CBSA Division Population0
Congressional District06
Congressional LandArea8062.93
Delivery Residential1721
Delivery Business44
Delivery Total1993
Preferred Last Line KeyX23748
Classification Code
Multi-County
CSA Name
CBSA_DIV_Name
City State KeyX23748
Land Area75.248000
Water Area0.021000
City Alias Code
City Mixed CaseCottageville
City Alias Mixed CaseCottageville
Box Count190
SFDU1721
MFDU0
State ANSI45
County ANSI029
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number452000
Unique ZIP Name
SSA State County Code42140
Medicare CBSA Code99942
Medicare CBSA NameRural Areas in SC
Medicare CBSA TypeMicro
Market Rating Area ID15
County Mixed CaseColleton

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 […]