North Augusta, 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.

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Claims history

North Augusta sits right along the Savannah River, just across the water from Augusta, Georgia, and that unique border-town geography shapes everything about how homeowners here need to think about insurance. Between the river flooding potential, South Carolina's severe storm season, and a shifting insurance market that's left some homeowners scrambling for coverage, getting the right policy in this area takes more than a quick online quote. The average annual home insurance premium in North Augusta currently ranges from $1,584 to $2,556, which remains significantly higher than the national average. That spread exists because of real, local risk factors that directly affect what carriers will write and at what price.


This guide breaks down the specific risks North Augusta homeowners face, which carriers are actively writing policies in the area, and the coverage decisions that actually matter for protecting your home and finances. Whether you just bought a home in Hammond Hills or you've lived off Martintown Road for decades, understanding these details can save you thousands and prevent nasty surprises at claim time.

Understanding Home Insurance in North Augusta

Home insurance in North Augusta isn't a one-size-fits-all product. The city's position in Aiken County, its proximity to the Savannah River, and South Carolina's broader weather patterns all create a distinct risk profile that influences every aspect of your policy, from what's covered to what you'll pay.

Why South Carolina Rates Vary by Region

South Carolina is a big state with wildly different risk exposures depending on where you live. Coastal homeowners in Myrtle Beach deal primarily with hurricane and wind risk, while homeowners in the Midlands around Columbia face more tornado and hail exposure. North Augusta falls into a middle zone: far enough from the coast to avoid hurricane surcharges but close enough to severe weather corridors to see elevated wind and hail premiums.


The SC Department of Insurance has been actively monitoring rate increases across the state as carriers adjust pricing to reflect growing weather-related losses. Your specific neighborhood, the age of your roof, and even your proximity to the river can swing your premium by hundreds of dollars compared to a home just a few miles away.

Common Policy Types for Local Homeowners

Most North Augusta homeowners carry an HO-3 policy, which covers your dwelling and personal property on an open-perils basis for the structure and named-perils basis for belongings. If you own a condo in one of the newer developments, you'd typically carry an HO-6 policy instead. Renters in the area should carry HO-4 coverage, which is affordable and often required by landlords.


The key distinction that trips people up: an HO-3 covers your house against anything not specifically excluded, but your personal property is only covered for listed perils like fire, theft, and windstorm. That gap matters when something unusual happens, like a pipe slowly leaks inside a wall for months before anyone notices.

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 Weather Threats

North Augusta's geography creates a specific set of hazards that every homeowner should understand before selecting coverage. These aren't hypothetical risks: they drive real claims every year.

Wind and Hail Damage from Severe Storms

Aiken County sits in a corridor that sees regular severe thunderstorms from late spring through early fall. Hail damage to roofs is one of the most common claims in the area, and a single storm can trigger thousands of claims across the region simultaneously. If your roof is older than 15 years, expect carriers to scrutinize it closely, and some may only offer actual cash value coverage on the roof rather than replacement cost.


Wind damage from straight-line thunderstorms is actually more common here than tornado damage, though the area has seen EF-1 and EF-2 tornadoes in recent years. Your policy's wind and hail deductible may be separate from your standard deductible: check whether it's a flat dollar amount or a percentage of your dwelling coverage.

Flood Risk Near the Savannah River

Here's something that catches North Augusta homeowners off guard: standard home insurance does not cover flooding. Period. If the Savannah River rises and water enters your home, or if heavy rain overwhelms storm drains and floods your basement, your HO-3 policy won't pay a dime.


Homes near the river, especially in lower-lying areas along Georgia Avenue or near the Greeneway, may fall within FEMA-designated flood zones. Even if you're not in a mapped flood zone, roughly 25% of all flood claims nationally come from properties outside high-risk areas. A separate flood policy through the National Flood Insurance Program or a private flood carrier is the only way to close this gap.

Earthquake Endorsements in the Palmetto State

Most people associate earthquake risk with California, but South Carolina has a very real seismic history. The 1886 Charleston earthquake was one of the most powerful ever recorded in the eastern United States, and the fault lines that produced it are still active. North Augusta sits close enough to feel effects from moderate seismic activity.


Standard home insurance excludes earthquake damage entirely. An earthquake endorsement typically costs between $50 and $150 per year in this part of the state, which is a small price for coverage that could prevent a catastrophic uninsured loss. It's one of those endorsements that feels unnecessary until you need it.

Carrier Appetite and Market Availability

Not every insurance company wants to write homeowners policies in every part of South Carolina, and the market has tightened considerably over the past two years. Understanding which carriers are active in North Augusta helps you shop smarter.

National vs. Regional Insurance Carriers

Large national carriers like State Farm, Allstate, and USAA still write policies in North Augusta, but several have become more selective about the homes they'll insure. Some major insurers have been quietly canceling or non-renewing policies in areas they consider higher risk, leaving homeowners to find alternatives quickly.


Regional carriers like Auto-Owners, Selective, and Southern Mutual often have stronger appetite for homes in the CSRA (Central Savannah River Area) because they understand local risk better than a national underwriter in another state. Working with an independent agency like CSP Insurance Services gives you access to multiple carriers at once, so if one company declines your home or prices you out, there are alternatives already on the table.

How Home Age and Roof Condition Affect Eligibility

This is where a lot of North Augusta homeowners run into trouble. Homes built before 1980, which describes many properties in established neighborhoods near downtown, often face stricter underwriting. Carriers want to know about updated electrical, plumbing, and HVAC systems. If your home still has its original wiring or a Federal Pacific electrical panel, some carriers will flat-out decline to write the policy.


Roof condition is the single biggest factor in carrier eligibility right now. A roof older than 20 years on a composition shingle home will limit your options dramatically. Some carriers cap roof age at 15 years. If you're planning to buy a home in North Augusta, budget for a roof inspection: it could determine which carriers will even quote you..

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

Coverage Levels Comparison

Choosing between basic and comprehensive coverage isn't just about price. The difference shows up at claim time, and the gap can be enormous.

Basic vs. Comprehensive Coverage Table

Coverage Feature Basic (HO-1/HO-2) Comprehensive (HO-3/HO-5)
Dwelling Coverage Named perils only Open perils (all risks not excluded)
Personal Property Named perils only Named perils (HO-3) or open perils (HO-5)
Liability $100,000 typical $100,000-$500,000
Loss of Use Limited 12-24 months additional living expenses
Water Damage Very limited Sudden/accidental covered; gradual excluded
Roof Settlement Actual cash value Replacement cost (policy dependent)
Typical Annual Cost $1,200-$1,600 $1,584-$2,556

Most mortgage lenders require at least an HO-3 policy. The HO-5, which provides open-perils coverage on both your home and belongings, costs more but eliminates many of the coverage gaps that generate denied claims.

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 North Augusta

Beyond the standard policy, several coverage decisions can make or break your financial protection.

Replacement Cost vs. Actual Cash Value

Replacement cost pays to rebuild or replace damaged property at current prices. Actual cash value deducts depreciation, meaning your 10-year-old roof might only be valued at 40% of what a new one costs. The difference on a $15,000 roof replacement: you'd get roughly $6,000 under ACV versus the full $15,000 under replacement cost.


Some carriers in South Carolina have shifted older roofs to ACV-only coverage, and this trend has been accelerating as storm losses mount. Always confirm how your roof is valued before binding a policy. This single detail can mean a five-figure difference on a claim.

Sewer Backup and Water Outage Riders

Sewer backup coverage isn't included in standard policies, and it's one of the most common coverage gaps I see. A sewer backup can dump thousands of gallons of contaminated water into your finished basement, causing $20,000 or more in damage. The rider typically costs $40 to $75 per year for $10,000 to $25,000 in coverage.


Water backup claims are especially relevant in older parts of North Augusta where infrastructure dates back decades. If your home connects to older municipal sewer lines, this endorsement is essentially mandatory from a practical standpoint.

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

Common Questions About North Augusta Home Insurance

Do I need flood insurance if I'm not in a flood zone? You're not required to carry it, but it's still worth considering. Flash flooding from heavy rain affects properties well outside FEMA flood maps, and a basic flood policy can cost less than many homeowners expect for properties in moderate-risk zones.


How much liability coverage should I carry? At minimum $300,000, though $500,000 is better for most homeowners. If your net worth exceeds your liability limit, consider an umbrella policy that adds $1 million or more in protection for roughly $200 to $350 per year.


Will my premium go up if I file a claim? Usually yes, especially for water damage and liability claims. Most carriers apply a surcharge for 3 to 5 years after a claim. Small claims under $2,500 are often better handled out of pocket to avoid the long-term premium increase.


Can I lower my premium without reducing coverage? Raising your deductible from $1,000 to $2,500 can reduce your premium by 10% to 20%. Bundling home and auto with the same carrier typically saves another 10% to 15%. Installing a monitored security system and impact-resistant roofing can also earn discounts.


What happens if my carrier non-renews my policy? You'll receive at least 60 days' notice under South Carolina law. Use that time to shop aggressively. An independent agency can quote multiple carriers simultaneously, which is far more efficient than calling companies one by one.

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

Picking the right home insurance policy in North Augusta comes down to understanding your specific risks, knowing what your policy actually covers, and working with someone who can match you with a carrier that wants to insure your particular home. The details matter: roof valuation, flood exposure, sewer backup coverage, and deductible structure all directly affect whether you're truly protected or just paying premiums for an illusion of security.


North Augusta homeowners face a unique combination of river proximity, severe storm exposure, and an increasingly selective insurance market. The homeowners who fare best are the ones who review their policies annually, maintain their roofs proactively, and work with an agency that represents multiple carriers. CSP Insurance Services has been helping South Carolina homeowners find the right fit since 1939, and their independent approach means they can shop the market on your behalf rather than pushing a single company's product. If your current policy is up for renewal or you just want a second opinion on your coverage, request a quote to see what options are available for your home.

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.

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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

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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

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Motorcycle

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

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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.

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Insurance tips & updates.

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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

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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