This is a great question but one that will be hard to provide a answer that is specific. There are so many factors and variables that go into calculating an insurance rate. On Johns Island home owners insurance could be as low as $1,000 to $1,200 per year and as much as a few thousand dollars a year for a larger home. Most likely if you have a loan on your home your lender will require additional flood insurance. These rates can vary a great deal as well. A flood policy could be $400 or as much as a few thousand dollars. As you search for a home insurance almost needs to be handled on a case by case basis. I have seen a home have a yearly flood policy of $500 while the home across the street that was built slightly differently have a policy of $2,000 yearly. Insurance companies look at the insurance history and credit score of the home owner. Five people could get five different rate quotes on the same property.