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
North Charleston sits in one of the most beautiful and most insurance-complicated corridors in the Southeast. Between the tidal creeks, the hurricane exposure, and the unique geology of the Charleston Basin, getting the right home insurance here requires more than just picking the cheapest quote online. The average annual home insurance premium in North Charleston runs approximately $3,593, well above the South Carolina state average of around $2,000. That gap isn't random: it reflects real, measurable risks tied to where your house sits and what Mother Nature throws at it. This guide breaks down the local hazards, explains what carriers are actually willing to write policies here, and walks you through the coverage decisions that matter most for protecting your home and your finances.
Understanding Home Insurance in North Charleston
Home insurance in North Charleston isn't a one-size-fits-all product. The Lowcountry's geography, building codes, and storm history all shape what goes into your policy, what it costs, and what you might be missing if you don't look closely.
The Impact of Lowcountry Geography on Your Policy
North Charleston's elevation is, to put it gently, minimal. Large portions of the city sit fewer than 20 feet above sea level, with some neighborhoods closer to five. That low elevation, combined with proximity to the Ashley and Cooper Rivers, means insurers view many properties here as high-exposure for both wind and water damage. Your home's specific elevation, distance from the coast, and even the age of its roof directly affect how underwriters price your policy.
Soil composition matters too. The sandy, marshy ground common throughout the Lowcountry can shift during heavy rains or seismic activity, creating foundation concerns that some policies don't fully cover. If your home was built on fill dirt near a former marsh, that's a detail your agent should know about.
Why Standard Policies Differ in South Carolina
South Carolina's Department of Insurance regulates how carriers operate in the state, but there's significant flexibility in what individual companies choose to cover and how they price risk. A standard HO-3 policy in North Charleston will typically exclude flood and earthquake damage entirely, which is a problem given this area's exposure to both.
The state also allows percentage-based hurricane deductibles rather than flat dollar amounts, which catches a lot of homeowners off guard at claim time. An agency like CSP Insurance Services, which works with multiple carriers rather than just one, can compare how different companies structure these deductibles and help you find the best fit for your budget and risk tolerance.
Your CSP agent
Lawson Walker, CIC
Insurance Sales
On this page
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 |
| Feature | Basic Liability Only | Full Coverage |
|---|---|---|
| Bodily injury liability | State minimum (25/50) | Higher limits (100/300+) |
| Property damage liability | $25,000 | $100,000+ |
| Collision (your vehicle) | Not included | Included |
| Comprehensive (theft, weather) | Not included | Included |
| Uninsured motorist | Optional | Typically included |
| Rental car reimbursement | Not included | Often included |
| Typical annual cost (SC) | $600-$900 | $1,400-$2,200 |
The price difference is real, but so is the coverage gap. If you're financing or leasing a vehicle, your lender will require full coverage anyway.
| Feature | HMO | PPO | HDHP with HSA |
|---|---|---|---|
| Network Flexibility | Must use in-network providers; referrals needed | In-network and out-of-network options | Broad network; works like PPO |
| Monthly Premiums | Lowest | Highest | Moderate |
| Out-of-Pocket Costs | Low copays | Moderate copays/coinsurance | High deductible before coverage kicks in |
| Best For | Employees who want low costs and don't mind restrictions | Employees who want provider choice | Younger, healthier employees; tax-savvy savers |
| HSA Eligible | No | No | Yes |
Local Risks and Regional Hazards
The risks facing North Charleston homeowners go well beyond the occasional thunderstorm. Three specific hazards shape nearly every insurance conversation in this area.
Hurricane and Windstorm Deductibles
Here's where many North Charleston homeowners get an unpleasant surprise after a storm. Most policies in coastal South Carolina carry a separate hurricane or named-storm deductible, typically 2% to 5% of your dwelling coverage. On a home insured for $300,000, a 5% hurricane deductible means you're covering the first $15,000 of damage out of pocket before insurance kicks in.
Some carriers offer buydown options that reduce your hurricane deductible to a flat $1,000 or $2,500, but the premium increase can be steep. The South Carolina Safe Home Program offers grants for fortifying your home against wind damage, which can lower both your risk and your premiums. Retrofitting with hurricane straps, impact-resistant windows, or a reinforced garage door may qualify you for meaningful discounts.
Flood Zones and Elevation Requirements
Standard home insurance does not cover flooding. Period. If your home sits in a FEMA-designated Special Flood Hazard Area (zones A or V), your mortgage lender will require a separate flood policy. But even homes outside high-risk zones experience flooding in North Charleston: roughly 25% of all flood claims nationally come from moderate- or low-risk areas.
The cost of flood insurance depends heavily on your home's base flood elevation relative to the community's base flood elevation. An elevation certificate, which a surveyor can prepare, is essential for getting accurate flood quotes. Homes that sit above the base flood elevation can see premiums drop by hundreds or even thousands of dollars annually. FEMA's Risk Rating 2.0 methodology, now fully implemented, prices flood insurance based on individual property characteristics rather than just zone designations, so even two neighbors on the same street may pay very different rates.
Earthquake Risk in the Charleston Basin
Most people don't associate South Carolina with earthquakes, but the Charleston area experienced a magnitude 7.0 quake in 1886 that caused widespread destruction. The Charleston Basin remains one of the most seismically active zones on the East Coast, and geologists consider another significant event a matter of when, not if.
Standard homeowners policies exclude earthquake damage. A separate earthquake endorsement or standalone policy typically costs between $100 and $300 per year in this area, which is remarkably affordable given the potential for catastrophic loss. If your home has a brick foundation or unreinforced masonry, earthquake coverage becomes even more critical. This is one of those add-ons that feels unnecessary until it isn't.
| Feature | Basic Coverage | Extended Coverage |
|---|---|---|
| Liability | State minimums (25/50/25 in SC) | $500K-$1M+ limits |
| Collision | Often excluded or high deductible | Included with lower deductible |
| Comprehensive | May be excluded | Included (theft, weather, vandalism) |
| HNOA | Not included | Typically included |
| Uninsured Motorist | State minimum only | Higher limits available |
| Roadside/Towing | Not included | Available as add-on |
| Rental Reimbursement | Not included | Available as add-on |
For a restaurant owner in Florence with one delivery vehicle, basic coverage might seem sufficient. But if that driver causes a serious injury, the state minimum liability won't come close to covering the medical bills and legal costs. Extended coverage costs more upfront but prevents the kind of catastrophic out-of-pocket expense that closes businesses.
Essential Coverage Comparison
Choosing the right level of protection means understanding what's actually included in your policy and what's been left out. The difference between a basic and comprehensive coastal policy can be enormous when a claim hits.
Chart: Basic vs. Comprehensive Coastal Protection
| Coverage Element | Basic HO-3 Policy | Comprehensive Coastal Protection |
|---|---|---|
| Wind/Hurricane | Included with 2-5% deductible | Included with buydown to flat deductible |
| Flood | Not included | Separate NFIP or private flood policy |
| Earthquake | Not included | Endorsement or standalone policy added |
| Replacement Cost | May be actual cash value | Full replacement cost, including code upgrades |
| Loss of Use | Limited (often 20% of dwelling) | Extended coverage, 24+ months |
| Personal Property | Actual cash value | Replacement cost on contents |
| Water Backup | Not included | Sewer/drain backup endorsement added |
| Roof Coverage | Depreciated based on age | Full replacement regardless of age |
The gap between these two columns represents tens of thousands of dollars in potential out-of-pocket costs. A homeowner with basic coverage who takes a direct hurricane hit and subsequent flooding could face $50,000 or more in uncovered losses, even with insurance.
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 |
Carrier Appetite and Finding the Right Provider
Not every insurance company wants to write policies in North Charleston. Understanding which carriers are active here, and which ones have pulled back, saves you time and frustration.
Admitted vs. Non-Admitted Carriers in SC
Admitted carriers are licensed and regulated by the South Carolina Department of Insurance, and their policyholders are protected by the state's guaranty fund if the company goes insolvent. Non-admitted (surplus lines) carriers operate outside this regulatory framework, which means they can offer coverage that admitted carriers won't, but without guaranty fund protection.
In North Charleston, many admitted carriers have tightened their underwriting or stopped writing new policies in high-risk zip codes. If your home is older, has a roof past its 15-year mark, or sits in a high-exposure flood zone, you may find yourself shopping in the surplus lines market. That's not necessarily bad: some surplus lines carriers specialize in coastal properties and offer competitive rates. But you need to understand the trade-offs. An independent agency with access to both admitted and surplus lines markets can show you options on both sides so you're making an informed decision.
The South Carolina Wind and Hail Underwriting Association
When no private carrier will cover your home's wind and hail exposure, the South Carolina Wind and Hail Underwriting Association (SCWHUA) serves as the insurer of last resort. This is a state-created pool, not a private company, and it exists specifically for properties in designated coastal areas where wind coverage is hard to find.
SCWHUA policies cover wind and hail damage only. You'll still need a separate policy for all other perils (fire, theft, liability), which means you could end up carrying two or even three policies to fully protect your home. Premiums through the association tend to be higher than private market alternatives, so it's worth exhausting your options before going this route. Homeowners who've invested in wind mitigation upgrades often find that private carriers become willing to write their wind coverage again, making the association unnecessary.
North Charleston's fire protection rating is another factor that influences carrier appetite. The city's ISO rating affects how insurers assess the fire risk for your property, and a strong rating can work in your favor when shopping for coverage.
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.
ERISA Requirements for Life Insurance Plans
If you offer employer-paid group life insurance, your plan almost certainly falls under the Employee Retirement Income Security Act. ERISA requires you to provide employees with a Summary Plan Description that explains benefits, eligibility, and claims procedures in plain language. You also need to file Form 5500 annually with the Department of Labor if your plan covers 100 or more participants. The ERISA compliance checklist for employers includes maintaining a written plan document, designating a plan fiduciary, and following proper claims and appeals procedures. Skipping any of these steps creates real liability.
South Carolina doesn't have its own mini-ERISA statute, so federal rules govern most employer-sponsored plans. But the SC Department of Insurance does regulate the carriers themselves, so make sure your insurer is licensed to operate in the state. Employers who fail to meet ERISA's fiduciary standards can face personal liability, not just corporate penalties.
Common Questions for North Charleston Homeowners
Do I need flood insurance if I'm not in a flood zone? You're not required to carry it, but you probably should. North Charleston sees regular street flooding from heavy rain events, and even a few inches of water inside your home can cause $25,000 or more in damage. Private flood policies for low-risk zones can cost as little as $400 per year.
Will my insurance cover damage from a hurricane? Wind damage from a hurricane is typically covered under your homeowners policy, but with a separate, higher deductible. Flooding caused by storm surge or rain is not covered: that requires a separate flood policy.
How does my roof age affect my premium? Significantly. Many carriers won't write new policies on roofs older than 15-20 years, and those that do may only offer actual cash value coverage, which depreciates the payout based on the roof's age. Replacing an aging roof can sometimes pay for itself through premium savings within a few years.
Can I bundle my home and auto insurance for a discount? Yes, and most carriers offer 10-25% discounts for bundling. An independent agency can check whether the best home insurance carrier for your situation also offers competitive auto rates, or whether keeping them separate actually saves more.
What's the difference between replacement cost and actual cash value? Replacement cost pays what it costs to rebuild or repair with similar materials at current prices. Actual cash value deducts depreciation, so a 15-year-old roof that costs $20,000 to replace might only pay out $8,000 under an ACV policy.
Should I get an earthquake endorsement? Given the Charleston area's seismic history, yes. The cost is minimal compared to the potential loss, and
the region's earthquake risk is well-documented.
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 |
Does this cover me if a hacker steals my data?
Not exactly. Crime insurance covers financial theft, like funds transferred fraudulently. Data breaches and the costs associated with them (notification, credit monitoring, regulatory fines) fall under cyber liability insurance. Some overlap exists with computer fraud coverage, but a standalone cyber policy is the right tool for data-related incidents. The FBI found that 85% of cybercrime losses in 2025 traced back to human error, which underscores why both crime and cyber policies matter.
Making the Right Choice for Your Home
Getting home insurance right in North Charleston means looking beyond the premium number on page one. The real cost of a policy only becomes clear when you examine the deductibles, exclusions, and coverage limits buried in the details. A policy that saves you $400 a year but leaves a $15,000 hurricane deductible and no flood coverage isn't saving you anything: it's a bet against the weather, and the Lowcountry's weather wins more often than most people expect.
Start by understanding your specific risks: your flood zone, your elevation, your roof's age, and your home's construction type. Then match those risks to coverage that actually addresses them. An independent agency like CSP Insurance Services can pull quotes from multiple carriers, compare how each one handles coastal exposures, and help you build a policy package that doesn't leave dangerous gaps.
If you're ready to see what's available for your specific property,
request a quote from CSP's team. They've been helping South Carolina homeowners sort through exactly these decisions since 1939, and a conversation with someone who knows the local market is worth more than hours of guessing online.
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
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
[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
[CONFIRM bio]
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
Motorcycle
Riders need coverage built for the road. Motorcycle insurance protects your bike, your gear, and you after an accident.
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.
Commercial Auto
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.
We compare carriers
We shop options across our carriers to find strong protection at a fair price.
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
[CONFIRM bio]
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
Motorcycle
Riders need coverage built for the road. Motorcycle insurance protects your bike, your gear, and you after an accident.
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.
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
[CONFIRM bio]
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
Motorcycle
Riders need coverage built for the road. Motorcycle insurance protects your bike, your gear, and you after an accident.
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