Fripp Island Insurance
Things to know regarding obtaining insurance on Fripp Island and ways to save money:
All of our companies will cover wind, hail, hurricane, etc. within the standard home policy. Therefore, you will not need a separate wind policy.
Some items that can lower the home insurance premium:
Flood insurance on Fripp Island can change drastically from house to house. Most homes are located in an AE flood zone with a required elevation of 13 feet above sea level.
Some items that will affect the flood premium:
For homes built prior to 1985, we have found a way to lower the standard flood premium. This is the case for most homes on the island, particularly along Remora Drive, Dolphin Drive, and all roads in the middle of the northern part of the island. During construction these homes were located in a B zone. Therefore, if you are purchasing one of these homes, we can use historical maps to help lower the flood premium by grandfathering the home into a zone that is less expensive. This could be the difference in paying $2,500 per year in flood insurance or paying $1,200 per year in flood insurance.
Fripp Island home and flood insurance is unlike insurance inland. Our agency is set up to insure property along the coast of South Carolina, including Fripp Island. We insure up to 7-10 homes per month at Fripp Island. We work closely with the best realtors on the island and will have the best premiums 90% of the time and will have the best service 100% of the time.
If you have any other questions regarding insurance at Fripp Island, please do not hesitate to give us a call or contact us through the website.