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
Spartanburg sits in a sweet spot of the Upstate that draws families, retirees, and young professionals alike. The cost of living is reasonable, the housing market has stayed active, and the Blue Ridge foothills are close enough for a weekend hike. But owning a home here also means dealing with a specific set of risks: hailstorms that roll through in spring, occasional tornado activity, and flash flooding that catches people off guard. If you're shopping for home insurance in Spartanburg, SC, you need a guide built around the actual conditions here, not boilerplate advice recycled from a national template. This article covers local risks, what carriers are looking for in Spartanburg properties, and the coverage considerations that matter most to homeowners in this part of the state. Whether you just closed on a place in Converse Heights or you've lived off Reidville Road for 20 years, the right policy depends on understanding what you're protecting against and how insurers view your property.
Understanding Home Insurance in Spartanburg
Spartanburg County's geography and climate create a risk profile that differs from both the SC coast and the Midlands. You're not dealing with hurricane-force winds the way Myrtle Beach does, but severe thunderstorms, hail, and tornadoes are genuine concerns. The county also has pockets of flood-prone areas near the Pacolet and Tyger Rivers that many homeowners don't think about until water is in their living room.
One major advantage for Spartanburg homeowners: the Spartanburg Fire Department holds a
Class 1 ISO Public Protection Classification, a rating earned by only about 1% of fire departments in the entire country. That classification directly influences your insurance premiums because insurers use ISO ratings to gauge how quickly and effectively a fire can be contained. Living within city limits where that Class 1 rating applies can shave real dollars off your annual premium.
Local Risk Factors: Severe Weather and Flooding
Spring and early summer bring the highest risk window. Hailstorms have caused millions in roof damage across the Upstate over the past decade, and insurers know it. If your roof is older than 15 years, expect underwriters to scrutinize it closely or require an inspection before binding a policy.
Flooding is the risk most Spartanburg homeowners underestimate. Standard homeowners policies don't cover flood damage, period. Even if you're not in a FEMA-designated flood zone, the SC Safe Home program is accepting new applications for grants that help homeowners retrofit their properties against wind and water damage. The Spartanburg County Disaster Assistance Program also provides resources for residents recovering from storm events, but having proper coverage before disaster strikes is always the better plan.
Tornado activity is less frequent than in the traditional "Tornado Alley" states, but EF-1 and EF-2 tornadoes have touched down in the Upstate. Your policy's windstorm coverage and deductible structure matter here.
The Impact of Upstate Real Estate Trends on Premiums
Spartanburg's housing market has seen steady appreciation, with median home values climbing roughly 25-30% over the past five years. That's great for your equity but creates a coverage gap if you haven't updated your dwelling limits recently. A home you insured for $185,000 in 2021 might cost $240,000 or more to rebuild at 2026 construction costs.
Rising material and labor costs across South Carolina have pushed home insurance rates higher statewide, and Spartanburg hasn't been immune. Carriers are recalculating replacement cost estimates, and if your policy hasn't been reviewed in two or three years, you could be underinsured without realizing it.
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 |
Essential Coverage Components for SC Homeowners
A solid Spartanburg homeowners policy needs to cover more than just the structure. South Carolina doesn't mandate homeowners insurance by law, but your mortgage lender absolutely will, and the minimum they require often isn't enough.
Dwelling vs. Personal Property Protection
Dwelling coverage (Coverage A) pays to repair or rebuild the physical structure of your home. Personal property coverage (Coverage C) handles your belongings: furniture, electronics, clothing, appliances. Most standard policies cap personal property at 50-70% of your dwelling limit.
Here's where people get tripped up: dwelling coverage should reflect the full replacement cost of your home, not its market value. Replacement cost accounts for what it would actually take to rebuild from the ground up at current prices. In Spartanburg, where construction labor has gotten more expensive, that number is often higher than homeowners expect. If you have high-value items like jewelry, art, or firearms, you'll likely need a scheduled personal property endorsement because standard sub-limits for those categories are low, often $1,500-$2,500.
Liability and Medical Payments Coverage
Liability coverage (Coverage E) protects you if someone is injured on your property or if you accidentally cause damage to someone else's property. The standard $100,000 limit that comes with many base policies is honestly not enough. A single slip-and-fall lawsuit can exceed that in medical bills and legal fees.
Medical payments coverage (Coverage F) is smaller, typically $1,000-$5,000, and pays for minor injuries to guests regardless of fault. Think of it as goodwill coverage that keeps small incidents from becoming lawsuits. For most Spartanburg homeowners, bumping liability to $300,000 or $500,000 costs surprisingly little, often $20-$40 more per year.
| 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.
Comparing Policy Types: Basic vs. Comprehensive
Not all homeowners policies offer the same level of protection. The two most common forms in South Carolina are HO-3 (Special Form) and HO-5 (Comprehensive Form), and the differences matter more than most people realize.
An HO-3 policy covers your dwelling on an "open perils" basis, meaning everything is covered unless it's specifically excluded. But your personal property is only covered on a "named perils" basis, which means only the 16 perils listed in the policy apply. An HO-5 extends open perils coverage to both the dwelling and personal property, giving you broader protection across the board.
Comparison Table: HO-3 vs. HO-5 Policy Features
| Feature | HO-3 (Special Form) | HO-5 (Comprehensive Form) |
|---|---|---|
| Dwelling Coverage | Open perils | Open perils |
| Personal Property | Named perils only (16 listed) | Open perils |
| Loss Settlement | Actual cash value (depreciated) | Replacement cost (full value) |
| Cost | Lower premium | 15-25% higher premium |
| Best For | Budget-conscious homeowners | Homeowners with valuable belongings |
| Claims Flexibility | Burden of proof on insurer for dwelling; on you for personal property | Burden of proof on insurer for both |
The HO-5 is worth the extra cost if you own newer furniture, electronics, or collectibles. The replacement cost settlement alone can save you thousands on a single claim compared to the depreciated payout of an HO-3's personal property coverage.
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 Local Market Insights
Insurance carriers evaluate risk at a hyper-local level. Two homes five miles apart in Spartanburg County can get wildly different quotes based on fire district, roof age, proximity to a fire hydrant, and claims history in the surrounding area.
Why Certain Carriers Prefer Spartanburg Properties
That Class 1 ISO fire rating within city limits makes Spartanburg properties attractive to many carriers. Homes with newer roofs (less than 10 years old), updated electrical and plumbing systems, and no prior claims are the easiest to place. Some carriers offer discounts for fortified home construction standards, which include impact-resistant roofing and reinforced connections between the roof and walls.
An independent agency like CSP Insurance Services can be especially useful here because they work with multiple carriers rather than just one. That means they can match your specific property characteristics with the carrier most likely to offer competitive pricing. A home in the city with a 2020 roof and a monitored alarm system might get its best rate from one carrier, while a rural property on five acres with a wood-burning stove might need a completely different insurer.
Common Exclusions to Watch Out For
Every homeowners policy has exclusions, and some catch Spartanburg homeowners off guard. Flood damage is the big one: you need a separate flood policy, either through the National Flood Insurance Program or a private carrier. Earth movement (including sinkholes), neglect, and intentional damage are also universally excluded.
The SC Department of Insurance has issued guidance on coverage disputes related to storm damage, and understanding your policy's wind and hail deductible is critical. Many carriers in South Carolina now use a percentage-based wind/hail deductible (typically 1-2% of the dwelling limit) rather than a flat dollar amount. On a $250,000 home, a 2% deductible means you're paying the first $5,000 out of pocket on a hail claim.
Mold, sewer backup, and equipment breakdown are also commonly excluded but can be added back via endorsements for a modest additional premium. Sewer backup coverage, in particular, is one I'd recommend for any Spartanburg homeowner, especially in older neighborhoods with aging infrastructure.
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 About Spartanburg Home Insurance
FAQ: Rates, Deductibles, and Local Requirements
How much does homeowners insurance cost in Spartanburg? Average annual premiums in Spartanburg County range from $1,200 to $2,200 for a standard HO-3 policy, depending on the home's age, construction type, roof condition, and claims history. Homes within city limits with the Class 1 fire rating often see lower rates.
Is homeowners insurance required in South Carolina? The state doesn't legally require it, but your mortgage lender will. If you own your home outright, insurance is optional but strongly recommended.
What's the difference between a flat deductible and a percentage deductible? A flat deductible is a set dollar amount (like $1,000). A percentage deductible is based on your dwelling coverage limit. A 2% deductible on a $200,000 policy means you pay $4,000 before insurance kicks in.
Do I need flood insurance in Spartanburg? Standard policies exclude flood damage entirely. If you're near the Pacolet River, Lawson's Fork Creek, or any low-lying area, a separate flood policy is worth the investment. Even homes outside FEMA flood zones file flood claims.
Can I lower my premium without reducing coverage? Yes. Bundling home and auto, installing a monitored security system, upgrading your roof, and raising your deductible from $1,000 to $2,500 can all reduce your premium meaningfully.
Does my policy cover my detached garage or shed? Yes, under Coverage B (Other Structures), which is typically set at 10% of your dwelling coverage. If you have a large workshop or guest house, you may need to increase that limit.
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 Property
Picking the right Spartanburg home insurance policy isn't about finding the cheapest quote. It's about matching your property's specific risks with coverage that won't leave you exposed after a hailstorm, a kitchen fire, or a liability claim. Review your dwelling limits against current rebuild costs, understand your wind/hail deductible, and don't skip flood coverage just because your lender doesn't require it.
Working with an independent agency gives you access to multiple carriers and an honest comparison of what each one offers for your situation. CSP Insurance Services has been helping South Carolina homeowners find the right fit since 1939, and their team can walk you through the details without the runaround of a call center. If your policy hasn't been reviewed recently, or if you're buying your first home in Spartanburg, it's worth a conversation.
Ready to see what's available for your property?
Request a quote from CSP Insurance Services and get a side-by-side comparison tailored to 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.
◆
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