Myrtle Beach, 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.

80+ years local experience

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

Medical expenses

Claims history

Owning a home along the Grand Strand comes with perks most people only dream about: ocean breezes, mild winters, and some of the best seafood on the East Coast. But those same coastal conditions that make Myrtle Beach so appealing also make insuring a home here genuinely complicated. Annual premiums for Myrtle Beach homes currently range from $5,341 to $6,230, well above the national average, and many homeowners don't realize they're underinsured until a storm makes landfall. This guide breaks down the local risks, the carriers willing to write policies in this market, and the specific coverage decisions that can mean the difference between a smooth recovery and a financial disaster. Whether you just closed on a condo in North Myrtle Beach or you've owned a ranch-style home in the Forestbrook area for twenty years, the insurance questions are largely the same, and most of them don't have simple answers.

Understanding Home Insurance in the Grand Strand

Myrtle Beach sits in one of the most hurricane-exposed corridors on the Atlantic seaboard. That single geographic fact shapes everything about your homeowners policy: what it costs, what it covers, who will sell it to you, and what gaps you'll need to fill with separate endorsements or standalone policies. A homeowner in Columbia or Rock Hill faces a very different insurance reality than someone living two miles from the ocean in Horry County.

Why Myrtle Beach Requires Specialized Coverage

Standard homeowners insurance was designed for risks like kitchen fires, burst pipes, and theft. Coastal South Carolina adds an entirely different layer: sustained hurricane-force winds, wind-driven rain, storm surge, and flooding from both rainfall and tidal events. Most inland carriers either won't write policies here or price them so aggressively that they're effectively declining the business.


The result is a market where you often need multiple policies working together to achieve full protection. Your base HO-3 policy might exclude wind and hail entirely, meaning you need a separate wind policy. Flood damage is almost never included in a standard homeowners policy, so you'll need a standalone flood policy through the NFIP or a private flood insurer. This layered approach is normal for Myrtle Beach, but it surprises homeowners who move here from areas where a single policy covered everything.

Standard Homeowners (HO-3) vs. Wind and Hail Policies

An HO-3 policy is the most common form of homeowners insurance in the country. It covers your dwelling and personal property against a list of named perils (fire, theft, vandalism, certain types of water damage) and typically includes liability coverage if someone gets injured on your property.


In Myrtle Beach, many carriers issue HO-3 policies that specifically exclude wind and hail damage. That exclusion exists because wind is the single most expensive peril along the coast, and carriers don't want that concentrated risk on their books. You then purchase a separate wind and hail policy, often through a different carrier or through the state's wind pool. This split-policy structure means you're managing two deductibles, two renewal dates, and two sets of coverage limits. It's not ideal, but it's the reality of coastal insurance in South Carolina.

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

Businesses increasingly rely on portable tech: laptops, tablets, external drives, and mobile servers. A computer equipment floater covers these items when employees take them off-site, whether that's a sales rep carrying a laptop to a client meeting in Columbia or a nonprofit transporting presentation equipment to a fundraiser. Some policies even cover the cost of data restoration, which can be more expensive than the hardware itself.

Local Risks and Regional Challenges

Hurricane Season and Windstorm Vulnerability

Atlantic hurricane season runs from June 1 through November 30, and revised forecasts in recent years haven't reduced the threat for coastal South Carolina. Myrtle Beach has been directly hit or significantly impacted by multiple storms over the past decade, and even a Category 1 hurricane can cause tens of thousands of dollars in wind damage to a single-family home.


The real danger isn't just the headline storms. Tropical storms and nor'easters that barely make the news can still tear off shingles, damage siding, and drive water into your attic. Claims from these "minor" events add up fast, and they're the ones that often catch homeowners off guard because they assumed their standard policy would cover the damage.

The Difference Between Flood and Water Damage

This distinction trips up more Myrtle Beach homeowners than almost any other coverage issue. Your HO-3 policy typically covers water damage from internal sources: a burst pipe, an overflowing washing machine, or a leaking water heater. It does not cover flooding, which is defined as water that enters your home from outside due to rising water levels, storm surge, or overflowing bodies of water.


Myrtle Beach sits in a low-lying coastal area where flooding can happen even during routine heavy rain events. If you're in a FEMA-designated flood zone, your mortgage lender will require a separate flood policy. Even if you're not in a high-risk zone, flood insurance is still a smart purchase. Roughly 25% of all flood claims come from properties outside high-risk zones.

Carrier Appetite and Market Availability

The term "carrier appetite" refers to how willing an insurance company is to write policies in a given area. In Myrtle Beach, appetite is limited compared to inland markets. Several national carriers have reduced their coastal exposure in South Carolina over the past few years, and state legislators have been actively examining rising insurance costs across the state.

Admitted vs. Non-Admitted Carriers in South Carolina

Admitted carriers are licensed and regulated by the South Carolina Department of Insurance. They participate in the state's guaranty fund, which means if the carrier goes insolvent, the fund steps in to pay claims. These are your preferred option when available.


Non-admitted (or surplus lines) carriers aren't bound by the same rate regulations and don't participate in the guaranty fund. They exist to fill gaps where admitted carriers won't write coverage. For many Myrtle Beach homeowners, especially those with older roofs, prior claims, or homes very close to the coast, a non-admitted carrier may be the only option for all or part of their coverage. This is where working with an independent agency like CSP Insurance Services pays off: they can compare options across both admitted and surplus lines markets to find the best fit for your specific situation.

The South Carolina Wind and Hail Underwriting Association (SCWHUA)

The SCWHUA, often called the "wind pool," is South Carolina's insurer of last resort for wind and hail coverage in coastal counties. If you can't find wind coverage through the private market, the wind pool will write a policy. The SC DOI oversees this program to ensure coastal homeowners have access to at least basic wind protection.


Wind pool policies tend to be more expensive than private market alternatives and may offer less coverage flexibility. They're a safety net, not a first choice. That said, thousands of Horry County homeowners rely on the SCWHUA because no private carrier will offer them wind coverage at any price.

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

Comparing Coverage Levels and Policy Extensions

TNot all homeowners policies are created equal, and the differences become especially important in a high-risk area like Myrtle Beach. The gap between basic and comprehensive protection can be enormous when a major storm hits.

Comparison Table: Basic vs. Comprehensive Protection

Coverage Feature Basic Protection Comprehensive Protection
Dwelling Coverage Replacement cost (limited) Full replacement cost with extended limits
Wind/Hail Excluded or separate policy Included or bundled with higher limits
Flood Not included Separate NFIP or private flood policy
Hurricane Deductible 5% of dwelling value 2% of dwelling value (lower out-of-pocket)
Ordinance or Law Not included 25-50% of dwelling coverage
Loss of Use 12 months / limited amount 24 months / higher limits
Personal Property Actual cash value Replacement cost
Sewer/Drain Backup Not included Included via endorsement

The right level of coverage depends on your home's age, construction type, proximity to the coast, and your financial ability to absorb a large deductible. A home built to modern building codes five miles inland needs a very different policy structure than a 1970s beach cottage on stilts.

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.

Essential Coverage Considerations for Coastal Homeowners

Hurricane Deductibles and Percentage-Based Costs

This is the single most misunderstood part of Myrtle Beach home insurance. Unlike a flat-dollar deductible (say, $1,000 for a theft claim), hurricane deductibles are typically calculated as a percentage of your dwelling coverage. If your home is insured for $350,000 and you have a 5% hurricane deductible, you're responsible for the first $17,500 of any hurricane-related claim.


That's a big number, and many homeowners don't realize it until they're filing a claim. Some policies offer 2% or 3% hurricane deductibles, but the premium difference can be significant. It's a trade-off between monthly cost and out-of-pocket risk, and it deserves a real conversation with your agent rather than just defaulting to whatever the carrier suggests.

Ordinance or Law Coverage for Older Myrtle Beach Homes

If your home was built before current building codes took effect and it sustains major damage, you may be required to rebuild to current code standards. That upgrade can add 20-40% to your rebuilding costs: think impact-rated windows, upgraded roof strapping, and elevated foundations.


Standard policies don't cover these code-required upgrades. Ordinance or law coverage fills that gap, and it's especially critical for homes built before 2000. The SC Safe Home Grant program is accepting new applications to help homeowners retrofit their properties to better withstand hurricanes, and program details are available through the state portal. Completing approved retrofits can also lower your insurance premiums, so the grant essentially pays for itself over time.

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

Frequently Asked Questions About Myrtle Beach Insurance

Do I need flood insurance if I'm not in a flood zone? Technically, no. But "not in a flood zone" doesn't mean "won't flood." Many Myrtle Beach neighborhoods outside high-risk zones have experienced significant flooding during heavy rain events and tropical storms. A basic flood policy through the NFIP can cost as little as a few hundred dollars a year.


Why is my insurance so much higher than my neighbor's? Roof age, construction type, claims history, credit score, and distance from the coast all factor in. Two homes on the same street can have dramatically different premiums if one has a 20-year-old roof and the other was re-roofed last year.


Can I lower my premium by upgrading my roof? Yes, and it's one of the most effective things you can do. A new roof with hurricane straps, impact-resistant shingles, and proper underlayment can reduce your premium by 15-30%. South Carolina's fortified home standards outline specific upgrades that qualify for discounts.


What happens if my carrier leaves South Carolina? It happens. When a carrier exits the market, your policy won't renew, and you'll need to find a new carrier before your coverage lapses. An independent agency with access to multiple carriers can help you transition without a gap in coverage.


Is condo insurance different from single-family home insurance? Yes. Condo owners typically need an HO-6 policy, which covers the interior of your unit and your personal property. The condo association's master policy covers the building's exterior and common areas. Make sure you understand where the master policy's coverage ends and yours begins.


Should I bundle my home and auto insurance? Bundling can save 10-20% on premiums, but don't assume bundling is always the best deal. Sometimes the cheapest home and auto policies come from different carriers. Compare both bundled and separate quotes.

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.

The Bottom Line: Protecting Your Coastal Investment

Insuring a home in Myrtle Beach requires more thought and more policies than most people expect. Between wind exclusions, percentage-based hurricane deductibles, flood coverage gaps, and a shrinking pool of willing carriers, the decisions you make about your coverage have real financial consequences. The homeowners who come through storms in the best shape aren't the lucky ones: they're the ones who took the time to understand their policies before the storm hit.


If you're unsure whether your current coverage actually protects you, or if you're shopping for a new policy and feeling overwhelmed by the options, CSP Insurance Services has been helping South Carolina homeowners sort through exactly these questions since 1939. Their team can compare quotes across multiple carriers and help you build a coverage plan that fits your home and your budget. Request a quote to start a conversation about what your coastal home actually needs.

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.

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.

Get a Quote

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

Get a Quote

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.

How Much Does Business Insurance Cost for a Small Business in Florence, SC?
6 August 2026
Learn how much small business insurance costs in Florence, SC, including GL, workers’ comp, property coverage, pricing factors, and ways to save.
What Insurance Does a Small Business in South Carolina Legally Need?
6 August 2026
Learn what insurance South Carolina small businesses legally need, including workers’ comp, commercial auto, and essential coverage beyond state requirements.
Group Health Insurance vs. Individual Plans: Which Is Right for SC Employers?
6 August 2026
Compare group health insurance vs. individual plans for SC employers. Learn costs, tax benefits, ICHRA options, and the best fit for your team.

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