Florence, SC Home Insurance

CSP Insurance Services was founded in 1939, when Clifford Cormell joined Earnest Streett to sell insurance in Florence. More than 80 years later, we still answer the phone ourselves. No call centers, no chatbots — just a local team that knows your name and your policy.

We compare several carriers to find a policy that fits you, not one company's products.

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80+ years local experience

Hospital bills, treatment, and prescriptions for a work-related injury or illness.

Medical expenses

Claims history

Florence, South Carolina sits in a unique spot on the insurance map. Positioned far enough inland to avoid the worst coastal surcharges but close enough to the Atlantic to catch the tail end of tropical systems, homeowners here face a mix of risks that don't neatly fit into a single category. The average cost of homeowners insurance in Florence hit $2,850 per year as of June 2026, a 12% year-over-year increase that's caught many residents off guard. Whether you own a historic bungalow near downtown or a newer build out toward Effingham, understanding local risks, which carriers are actually writing policies in the Pee Dee region, and what coverage gaps could leave you exposed is worth real attention. This guide breaks down what Florence homeowners specifically need to know - not generic advice that could apply to any zip code in America.

Understanding Home Insurance in the Pee Dee Region

The Pee Dee region has its own insurance personality, shaped by geography, building stock, and weather patterns that differ from both the coast and the Upstate. Florence County sits at the intersection of several risk factors: it's downstream from major river systems, it's in the path of weakening but still dangerous hurricanes, and its mix of older and newer construction creates wildly different underwriting profiles from one neighborhood to the next.

Why Florence Homeowners Need Specific Local Protection

A cookie-cutter policy designed for a suburb of Charlotte or a beach house in Myrtle Beach won't serve you well here. Florence has its own claims history, and insurers price accordingly. Homes in the Pee Dee deal with wind-driven rain damage, occasional hail, and flooding from creeks and drainage systems that overwhelm during heavy storms. A policy that works for a Columbia homeowner may leave critical gaps for someone living near the Great Pee Dee River floodplain. Local protection means matching your specific exposures - not just checking a box.

The Role of Location: From Downtown Florence to Effingham

Your exact address matters more than you might think. A home on Irby Street in the historic district faces different risks than a newer subdivision off Hoffmeyer Road or a rural property near Effingham. Downtown homes tend to be older, which affects both replacement costs and carrier willingness to write a policy. Properties near Jeffries Creek or in low-lying areas carry higher flood exposure. Even within a few miles, your proximity to a fire station and hydrant can shift your premium by hundreds of dollars annually.

Your CSP agent

Lawson Walker, CIC

Insurance Sales

CSP Insurance Services is a fully licensed independent insurance agency serving individuals, families, and businesses across South Carolina.

From our home in Florence, we proudly serve clients in Florence, Myrtle Beach, Rock Hill, Columbia, and communities throughout South Carolina. As an independent Trusted Choice agency, our team works with a wide range of top-rated carriers to provide personal and commercial coverage — home, auto, business, life, and more — tailored to the real needs of the people and businesses we protect.

Boat and Watercraft Coverage for Weekend Adventures

Your homeowners policy might cover a small kayak or canoe, but anything with a motor typically needs its own policy. Boat insurance covers physical damage to the vessel, liability for injuries or property damage you cause on the water, and sometimes towing and salvage costs.


Lake-specific risks differ from coastal ones. A boat kept at Myrtle Beach faces saltwater corrosion, hurricane exposure, and higher theft rates than one stored at a private dock on Lake Wateree. Your policy should reflect where you keep and operate the boat. An independent agency like CSP Insurance Services can compare quotes across multiple marine carriers to find coverage that actually matches your boating habits rather than forcing you into a one-size-fits-all plan.

Feature Admitted (Standard) Carriers Non-Admitted (E&S) Carriers
State regulation Fully regulated; rates filed with state Exempt from rate filing; flexible pricing
Guaranty fund protection Yes: state fund covers claims if carrier fails No: no guaranty fund backstop
Policy forms Standardized (ISO forms common) Manuscript or custom forms
Risk appetite Prefers low-to-moderate risk Accepts high-risk and unusual exposures
Premium cost Generally lower Typically 20-75% higher
Surplus lines tax Not applicable Buyer pays state surplus lines tax (varies 2-5%)
Speed of placement Standard timelines Can be faster or slower depending on complexity

Medical Payments and Personal Injury Protection

Medical payments coverage (MedPay) pays for medical bills for you and your passengers after an accident, regardless of who caused it. South Carolina doesn't require PIP (personal injury protection), but MedPay is a practical alternative that covers immediate medical costs without waiting for fault to be determined. If you regularly travel with family or friends, carrying $10,000 to $25,000 in MedPay is a reasonable baseline.

Local Risks and Regional Weather Threats

Florence homeowners face a specific set of perils that shape both policy pricing and coverage needs. Understanding these threats isn't academic - it directly affects which endorsements you should carry and how much coverage you actually need.

Hurricane and Windstorm Considerations

Florence isn't on the coast, but hurricanes still reach here with damaging force. Hurricane Florence in 2018 dumped historic rainfall on the region, and Hurricane Matthew in 2016 caused significant wind and water damage well inland. South Carolina's wind and hail deductibles are a common source of confusion: many policies carry a separate percentage-based deductible (often 2-5% of dwelling coverage) for named storms. On a home insured for $250,000, that's a $5,000 to $12,500 out-of-pocket expense before insurance kicks in. Make sure you understand your named storm deductible before hurricane season, not after.

Flood Risk and the Jeffries Creek Basin

Standard home insurance does not cover flooding. Period. This trips up Florence homeowners constantly, especially those living near Jeffries Creek, which runs through the heart of the city. The Jeffries Creek basin has a well-documented history of overflowing during heavy rain events, and FEMA flood maps for Florence County were updated in recent years, pulling some previously "safe" properties into higher-risk zones. Even if you're not in a designated flood zone, the SC Department of Insurance recommends flood coverage for any property that's experienced water intrusion. A separate flood policy through the NFIP or a private carrier typically runs $700 to $1,500 annually in moderate-risk areas of Florence.

Severe Thunderstorms and Hail Damage

Thunderstorms roll through the Pee Dee regularly from spring through early fall, bringing hail, lightning, and straight-line winds that can peel off siding and damage roofs. Hail claims have been climbing across South Carolina, and Florence is no exception. Roof damage from hail is one of the most common claims filed in the county. If your roof is older than 15 years, expect carriers to scrutinize it closely - some will require an inspection before issuing or renewing a policy.

Most South Carolina small businesses land on Silver or Gold plans. Bronze works well when paired with employer HSA contributions, while Platinum plans are typically reserved for businesses competing for top talent in industries like healthcare or tech.

Carrier Appetite and Market Trends in South Carolina

Not every insurance company wants to write homeowners policies in Florence. Carrier appetite - the willingness of an insurer to take on risk in a specific area - varies significantly, and the South Carolina market has tightened considerably since 2023.

Standard vs. Surplus Lines Carriers

Standard carriers like Auto-Owners, Travelers, and SageSure are still active in the Florence market, but they've become pickier about which homes they'll insure. Homes with older roofs, outdated electrical systems, or prior claims may get declined by standard carriers entirely. That's where surplus lines carriers come in. These are insurers that operate outside the standard market and can write policies that admitted carriers won't touch. The trade-off is typically higher premiums and fewer regulatory protections. An independent agency like CSP Insurance Services can shop both standard and surplus lines markets, which matters a lot when your home doesn't fit the mold of what a single carrier wants to insure.

How Home Age and Roof Condition Impact Eligibility

If your home was built before 1980, you're going to face more underwriting hurdles. Carriers worry about outdated plumbing (polybutylene pipes are a red flag), old wiring, and roofs that haven't been replaced in decades. Roof condition is the single biggest factor in carrier eligibility right now. A roof older than 20 years will limit your options dramatically, and some carriers won't write a policy at all if the roof is past 15 years. Investing in a roof replacement can actually save you money long-term through lower premiums and broader carrier access.

Boat and Watercraft Coverage for Weekend Adventures

Your homeowners policy might cover a small kayak or canoe, but anything with a motor typically needs its own policy. Boat insurance covers physical damage to the vessel, liability for injuries or property damage you cause on the water, and sometimes towing and salvage costs.


Lake-specific risks differ from coastal ones. A boat kept at Myrtle Beach faces saltwater corrosion, hurricane exposure, and higher theft rates than one stored at a private dock on Lake Wateree. Your policy should reflect where you keep and operate the boat. An independent agency like CSP Insurance Services can compare quotes across multiple marine carriers to find coverage that actually matches your boating habits rather than forcing you into a one-size-fits-all plan.

Boat and Watercraft Coverage for Weekend Adventures

Your homeowners policy might cover a small kayak or canoe, but anything with a motor typically needs its own policy. Boat insurance covers physical damage to the vessel, liability for injuries or property damage you cause on the water, and sometimes towing and salvage costs.


Lake-specific risks differ from coastal ones. A boat kept at Myrtle Beach faces saltwater corrosion, hurricane exposure, and higher theft rates than one stored at a private dock on Lake Wateree. Your policy should reflect where you keep and operate the boat. An independent agency like CSP Insurance Services can compare quotes across multiple marine carriers to find coverage that actually matches your boating habits rather than forcing you into a one-size-fits-all plan.

Feature Admitted (Standard) Carriers Non-Admitted (E&S) Carriers
State regulation Fully regulated; rates filed with state Exempt from rate filing; flexible pricing
Guaranty fund protection Yes: state fund covers claims if carrier fails No: no guaranty fund backstop
Policy forms Standardized (ISO forms common) Manuscript or custom forms
Risk appetite Prefers low-to-moderate risk Accepts high-risk and unusual exposures
Premium cost Generally lower Typically 20-75% higher
Surplus lines tax Not applicable Buyer pays state surplus lines tax (varies 2-5%)
Speed of placement Standard timelines Can be faster or slower depending on complexity

Essential Coverage Comparison for Florence Homes

Choosing the right level of protection requires understanding what you're actually buying. Too many homeowners pick the cheapest option without realizing what's excluded.

Comparison Table: Basic vs. Comprehensive Protection

Coverage Feature Basic (HO-3) Comprehensive (HO-5 or Enhanced HO-3)
Dwelling Coverage Named perils on personal property Open perils on dwelling and contents
Personal Property Actual cash value (depreciated) Replacement cost (full value)
Water Backup Not included Available as endorsement
Ordinance or Law Not included or minimal 25-50% of dwelling coverage
Named Storm Deductible 2-5% of dwelling 2-5% of dwelling (same)
Equipment Breakdown Not included Often included
Identity Theft Not included Typically included

The price difference between basic and comprehensive protection is often only $300 to $500 per year - a small price for significantly better coverage after a major loss.

Specialty Lines: Flood, Earthquake, and Valuable Items

Flood insurance is a separate policy, typically written through FEMA's National Flood Insurance Program or a private carrier. If your home sits in a designated flood zone anywhere along the SC coast or near inland rivers, your mortgage lender will require it. But even homes outside mapped flood zones can flood: roughly 25% of flood claims come from properties in low-to-moderate risk areas.


Earthquake coverage is less common in South Carolina, but the state sits near the Charleston fault zone, which produced a magnitude 7.3 quake in 1886. A rider or standalone earthquake policy is worth considering if you're in the Lowcountry.


Scheduled personal property endorsements cover high-value items like jewelry, art, firearms, or musical instruments that exceed standard policy sub-limits. Most homeowners policies cap jewelry coverage at $1,500-$2,500 per item. If your engagement ring is worth $8,000, you need a scheduled endorsement or inland marine floater to cover the difference.

Customizing Your Policy for Maximum Protection

A standard policy is a starting point, not a finish line. Florence homeowners should consider several endorsements that address local-specific risks

Ordinance or Law Coverage for Older Homes

If your home sustains major damage, local building codes may require you to rebuild to current standards - not the standards from when the home was originally built. Without ordinance or law coverage, you'd pay the difference out of pocket. For older Florence homes, especially those in the historic district, this can add tens of thousands of dollars to a rebuild. This endorsement typically costs $50 to $150 per year and is one of the most underutilized protections available.

Replacement Cost vs. Actual Cash Value

Replacement cost pays what it actually costs to replace your belongings at today's prices. Actual cash value deducts depreciation, meaning your five-year-old HVAC system might only pay out a fraction of what a new one costs. For a Florence home where replacement costs have risen sharply due to construction material inflation, the gap between these two valuations can be substantial. Always opt for replacement cost on both your dwelling and personal property if your budget allows.

Sewer Backup and Water Outage Endorsements

Sewer backup is not covered under standard homeowners policies, and it's more common than people realize in Florence. Aging municipal infrastructure and heavy rain events can push sewage back into homes, causing damage that's both expensive and unpleasant. A sewer backup endorsement typically costs $40 to $75 per year for $10,000 to $25,000 in coverage. Given Florence's drainage challenges, this is a smart add-on.

Boat and Watercraft Coverage for Weekend Adventures

Your homeowners policy might cover a small kayak or canoe, but anything with a motor typically needs its own policy. Boat insurance covers physical damage to the vessel, liability for injuries or property damage you cause on the water, and sometimes towing and salvage costs.


Lake-specific risks differ from coastal ones. A boat kept at Myrtle Beach faces saltwater corrosion, hurricane exposure, and higher theft rates than one stored at a private dock on Lake Wateree. Your policy should reflect where you keep and operate the boat. An independent agency like CSP Insurance Services can compare quotes across multiple marine carriers to find coverage that actually matches your boating habits rather than forcing you into a one-size-fits-all plan.

Boat and Watercraft Coverage for Weekend Adventures

Your homeowners policy might cover a small kayak or canoe, but anything with a motor typically needs its own policy. Boat insurance covers physical damage to the vessel, liability for injuries or property damage you cause on the water, and sometimes towing and salvage costs.


Lake-specific risks differ from coastal ones. A boat kept at Myrtle Beach faces saltwater corrosion, hurricane exposure, and higher theft rates than one stored at a private dock on Lake Wateree. Your policy should reflect where you keep and operate the boat. An independent agency like CSP Insurance Services can compare quotes across multiple marine carriers to find coverage that actually matches your boating habits rather than forcing you into a one-size-fits-all plan.

Feature Admitted (Standard) Carriers Non-Admitted (E&S) Carriers
State regulation Fully regulated; rates filed with state Exempt from rate filing; flexible pricing
Guaranty fund protection Yes: state fund covers claims if carrier fails No: no guaranty fund backstop
Policy forms Standardized (ISO forms common) Manuscript or custom forms
Risk appetite Prefers low-to-moderate risk Accepts high-risk and unusual exposures
Premium cost Generally lower Typically 20-75% higher
Surplus lines tax Not applicable Buyer pays state surplus lines tax (varies 2-5%)
Speed of placement Standard timelines Can be faster or slower depending on complexity

FAQ: Do I need special insurance for a rental RV?

Yes. If you're renting an RV from a peer-to-peer platform, the rental company usually offers insurance, but read the fine print carefully. Your personal auto policy almost certainly won't cover a rented motorhome. If you're renting out your own RV, you'll need a commercial or rental-specific endorsement on your policy.

Insuring a home in Mount Pleasant requires more thought than picking the cheapest quote. The interplay between wind deductibles, flood zones, carrier restrictions, and your home's physical characteristics creates a puzzle that generic advice can't solve. A policy that looks adequate on paper might leave you with a $15,000 out-of-pocket deductible after a hurricane or zero coverage for the storm surge that fills your first floor.


The smartest move is to work with someone who understands this specific market. CSP Insurance Services has been helping South Carolina homeowners since 1939, and as an independent agency, they shop your coverage across multiple carriers to find the right fit for your situation rather than pushing a single company's products. If your current policy hasn't been reviewed in the last year or two, there's a good chance your coverage or pricing is out of step with current conditions.


Take 10 minutes to request a quote and get a clear picture of where you stand. A conversation with someone who knows the Mount Pleasant market is worth more than hours of online research.

Common Questions About Florence Home Insurance

Do I need a separate policy for hurricanes?

No, wind damage from hurricanes is typically covered under your standard homeowners policy. What you do need is a separate flood policy, since flooding from hurricanes - the most common source of damage - is excluded from standard coverage. Pay close attention to your named storm deductible, which is usually a percentage of your dwelling limit rather than a flat dollar amount.

Why is my insurance more expensive than my neighbor's?

Several factors create price differences even on the same street: roof age, claims history, credit-based insurance score, coverage limits, and deductible choices. A neighbor with a newer roof and no claims in five years could easily pay $500 to $1,000 less annually. Your home's construction type and proximity to fire protection also play a role.

Does standard insurance cover flooding from heavy rain?

No. Flood damage is excluded from every standard homeowners policy in South Carolina, regardless of carrier. You need a separate flood insurance policy, either through the National Flood Insurance Program or a private flood insurer. This applies whether the water comes from a river, a creek, or simply overwhelmed storm drains.

How can I lower my premium in Florence?

The most effective strategies include replacing an aging roof, bundling home and auto policies, raising your deductible, installing a monitored security system, and maintaining a claims-free record. Working with an independent agency that can compare rates across multiple carriers - like CSP Insurance Services, which has been helping South Carolina homeowners since 1939 - often yields better pricing than going directly to a single insurer.

Specialty Lines: Flood, Earthquake, and Valuable Items

Flood insurance is a separate policy, typically written through FEMA's National Flood Insurance Program or a private carrier. If your home sits in a designated flood zone anywhere along the SC coast or near inland rivers, your mortgage lender will require it. But even homes outside mapped flood zones can flood: roughly 25% of flood claims come from properties in low-to-moderate risk areas.


Earthquake coverage is less common in South Carolina, but the state sits near the Charleston fault zone, which produced a magnitude 7.3 quake in 1886. A rider or standalone earthquake policy is worth considering if you're in the Lowcountry.


Scheduled personal property endorsements cover high-value items like jewelry, art, firearms, or musical instruments that exceed standard policy sub-limits. Most homeowners policies cap jewelry coverage at $1,500-$2,500 per item. If your engagement ring is worth $8,000, you need a scheduled endorsement or inland marine floater to cover the difference.

Making the Right Choice for Your Property

Home insurance for Florence homeowners isn't a one-size-fits-all decision. The combination of hurricane exposure, flood risk from the Jeffries Creek basin, aging housing stock, and a tightening carrier market means you need a policy that's been built around your specific property and its specific risks. Generic online quotes rarely account for the nuances that drive pricing and coverage adequacy in the Pee Dee region.


The smartest move is to work with someone who understands the local market, has access to multiple carriers, and can identify the coverage gaps that catch Florence homeowners off guard after a loss. If your current policy hasn't been reviewed in the past year - especially given the 12% premium increases hitting the area - it's worth getting a fresh set of eyes on it. You can request a quote from CSP Insurance Services to see how your current coverage stacks up and whether there are better options available across their carrier network. A 15-minute conversation now can save you thousands after a storm.

About the author

Lawson Walker, CIC

I'm proud to be part of an agency that's served Florence since 1939. CSP Insurance Services started as Cormell-Streett & Patterson, built by people who believed insurance should be personal — and more than eight decades later, that conviction still drives everything we do. Commitment, Service, Protection isn't just what CSP stands for; it's how I approach every client relationship.


As an independent, Trusted Choice agency, we aren't tied to any single carrier. That means I work for you — shopping multiple companies to match you with coverage that actually fits your family, your business, and your budget. No call centers, no chatbots. Just a local expert who takes the time to understand what matters to you and stands by you when it counts.


Whether you're protecting your home, your car, or a business you've spent years building, I'd be glad to help you find the right coverage.

We compare several carriers to find a policy that fits you, not one company's products.

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80+ years local experience

1939

Serving SC

Meet Richard

Most Requested

Core business coverage.

The policies most South Carolina businesses start with.

Commercial Property

Protect the building, equipment, and inventory your business runs on, so a covered fire, theft, or storm doesn’t become a closed door.

Workers Compensation

Required for most South Carolina employers with staff. It covers medical bills and lost wages when an employee is hurt on the job.

Commercial Auto

Cars, trucks, and fleets used for work need more than a personal policy. This handles liability, damage, and your drivers.

General Liability

Accidents happen on the job and on your property. General liability covers third-party injury and property damage claims against your business.

Inland Marine

Tools, equipment, and goods on the move aren’t covered by standard property policies. Inland marine protects them wherever they travel.

Business Owners (BOP)

A business owners policy bundles property and liability coverage into one package, often at a better price for small businesses.

We compare several carriers to find a policy that fits you, not one company's products.

◆

80+ years local experience

1939

Serving SC

Insurance Sales

J. Roger Jordan, CIC

Meet Richard

[CONFIRM bio]

Personal Insurance

Coverage for your home, vehicles, and family.

Protect what matters most with personal policies shopped across our carriers.

Home

Your house is likely your largest investment. Home insurance helps rebuild after covered damage and protects you from liability.

Auto

South Carolina drivers need real protection. Auto coverage handles liability, collision, medical costs, and uninsured drivers.

Umbrella

When a serious claim climbs past your home or auto limits, umbrella coverage adds an extra layer of liability protection.

Boat

Time on the water should be worry-free. Boat coverage protects your vessel, your passengers, and your liability on the lake or coast.

Motorcycle

Riders need coverage built for the road. Motorcycle insurance protects your bike, your gear, and you after an accident.

Condo

Your association covers the building, but not what’s inside. Condo insurance protects your belongings, improvements, and liability.

We compare several carriers to find a policy that fits you, not one company's products.

◆

80+ years local experience

1939

Serving SC

Insurance Sales

J. Roger Jordan, CIC

Meet Richard

[CONFIRM bio]

Get a Quote

Boat

Your association covers the building, but not what’s inside. Condo insurance protects your belongings, improvements, and liability.

Time on the water should be worry-free. Boat coverage protects your vessel, your passengers, and your liability on the lake or coast.

Condo

Get a Quote

Motorcycle

Riders need coverage built for the road. Motorcycle insurance protects your bike, your gear, and you after an accident.

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Industries We Serve

Specialized coverage for your industry.

Every industry carries its own risk. We help South Carolina businesses protect what they've built.

Restaurants

Kitchens, customers, and staff create daily exposure. We protect your property, equipment, liquor liability, and employees.

Manufacturers

From equipment breakdown to product liability, manufacturers face risk on the floor and beyond. We help cover property, machinery, and goods.

Healthcare Providers

Practices and clinics carry patient, property, and professional risk. We help cover liability, equipment, and the people who run your practice.

We compare several carriers to find a policy that fits you, not one company's products.

◆

80+ years local experience

1939

Serving SC

Commercial Property

Protect the building, equipment, and inventory your business runs on, so a covered fire, theft, or storm doesn’t become a closed door.

Meet Richard View all business coverage Get a Quote

Commercial Auto

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Cars, trucks, and fleets used for work need more than a personal policy. This handles liability, damage, and your drivers.

How It Works

Getting covered is simple.

Four steps, one real person from start to finish.

Tell us about you

Share a few details about what you need to protect. A real person reviews it.

We compare carriers

We shop options across our carriers to find strong protection at a fair price.

We recommend coverage

We walk you through the policy in plain language and answer every question.

You get covered

Sign with confidence — and we stay on for changes, claims, and yearly reviews.

We compare several carriers to find a policy that fits you, not one company's products.

Multi-carrier choice

Claims advocacy

When a claim happens, we stand in your corner and help move it forward with your carrier.

Local SC roots

We live and work in Florence and understand the risks your community faces because we face them too.

Client Reviews

Why clients choose CSP.

Independent advice, real people, and decades of local roots.

We compare several carriers to find a policy that fits you, not one company's products.

◆

80+ years local experience

1939

Serving SC

Insurance Sales

J. Roger Jordan, CIC

Meet Richard

[CONFIRM bio]

Get a Quote

Boat

Your association covers the building, but not what’s inside. Condo insurance protects your belongings, improvements, and liability.

Time on the water should be worry-free. Boat coverage protects your vessel, your passengers, and your liability on the lake or coast.

Condo

Get a Quote

Motorcycle

Riders need coverage built for the road. Motorcycle insurance protects your bike, your gear, and you after an accident.

Get a Quote

FAQs

Questions, answered.

Straight answers about working with an independent agency.

  • What does an independent insurance agency do?

    An independent agency represents several carriers instead of one. We compare coverage and pricing across companies, then recommend the policy that fits you best.

  • Do you cover both personal and business insurance?

    Yes. CSP writes personal lines like home and auto, and commercial lines for businesses across South Carolina.

  • How long has CSP been in business?

    CSP traces its roots to 1939, with more than 80 years serving South Carolina families and businesses.

  • Will I work with a real person?

    Always. No call centers and no chatbots — you work with a local team member who knows your account.

  • Which areas do you serve?

    We’re based in Florence and serve clients statewide, including Myrtle Beach, Rock Hill, and Columbia.

  • How do I get a quote?

    Request a quote online, call us, or stop by the office. A real person will review your needs and follow up.

How It Works

Insurance tips & updates.

Plain-language guidance to help you make confident decisions.

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We compare several carriers to find a policy that fits you, not one company's products.

◆

80+ years local experience

1939

Serving SC

Insurance Sales

J. Roger Jordan, CIC

Meet Richard

[CONFIRM bio]

Get a Quote

Boat

Your association covers the building, but not what’s inside. Condo insurance protects your belongings, improvements, and liability.

Time on the water should be worry-free. Boat coverage protects your vessel, your passengers, and your liability on the lake or coast.

Condo

Get a Quote

Motorcycle

Riders need coverage built for the road. Motorcycle insurance protects your bike, your gear, and you after an accident.

Get a Quote

Get a Quote

Let's find your coverage.

Tell us a little about what you need to protect. A real person from our Florence team will review it and follow up.

2420 Hoffmeyer Road, Suite D
Florence, SC 29501

Mon–Fri 8:30am – 5:00pm