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
Commercial Property for Specialized Equipment
A standard property policy covers your building (if you own it), furniture, and general inventory. But hearing aid centers have specialized equipment that needs proper valuation: audiometers, tympanometers, real-ear measurement systems, and programming hardware can easily total $50,000 to $100,000 or more.
Make sure your property policy covers replacement cost rather than actual cash value. A five-year-old audiometer that cost $15,000 new might have a depreciated value of $5,000, but replacing it still costs $15,000. South Carolina coastal practices should also pay attention to wind and hail exclusions, which are common in standard policies near Myrtle Beach and other coastal areas. You may need a separate windstorm policy through the SC Wind and Hail Underwriting Association.
South Carolina renters face a unique mix of weather threats that most states simply don't deal with. Between hurricane season stretching from June through November, inland flooding that catches people off guard, and the occasional ice storm in the Upstate, protecting your belongings as a renter here requires more thought than just picking the cheapest policy. The average renter in the U.S. owns somewhere between $20,000 and $30,000 worth of personal property, yet a surprising number of South Carolina tenants go without any coverage at all. If a pipe bursts in your Columbia apartment or a Myrtle Beach hurricane sends a tree through your living room window, your landlord's insurance covers the building, not your stuff inside it. This guide breaks down what SC renters insurance actually covers, what it costs, and the state-specific risks that make certain add-ons worth every penny.
Understanding Renters Insurance in the Palmetto State
Renters insurance is one of those products that feels optional until you need it. A standard policy bundles three core protections into a single, relatively affordable package. But the details matter, especially in a state where weather-related claims are common and certain types of damage require separate coverage entirely.
Is Renters Insurance Legally Required in South Carolina?
South Carolina has no state law requiring renters to carry insurance. That said, your landlord absolutely can make it a condition of your lease. This is increasingly common across Florence, Rock Hill, and the coastal markets, where property owners want to reduce their own liability exposure. If your lease includes a renters insurance requirement, landlords in South Carolina are legally permitted to enforce it, and failing to maintain a policy could technically put you in breach of your rental agreement.
Even without a lease requirement, going uninsured is a gamble. If someone slips and falls in your apartment and decides to sue, you're personally on the hook for medical bills and legal fees. A basic renters policy handles that for you.
Standard Coverage: Personal Property, Liability, and Loss of Use
Every standard renters policy in South Carolina includes three components. Personal property coverage pays to repair or replace your belongings if they're damaged by a covered event like fire, theft, or vandalism. Liability coverage protects you if someone is injured in your rental or if you accidentally damage someone else's property. Loss of use (sometimes called additional living expenses) kicks in when your rental becomes uninhabitable due to a covered loss, paying for hotel stays, meals, and other temporary costs.
One thing to keep in mind: standard policies cover a specific list of perils. Fire, lightning, windstorm, hail, theft, and a few others are included. But flood damage? That's a separate policy entirely, which matters a lot if you're renting anywhere near the coast or in a low-lying area.
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 |
South Carolina Specific Risks and Natural Disasters
South Carolina's geography creates a layered set of risks that renters in, say, Ohio never think about. The coastline from Myrtle Beach down to Hilton Head sits squarely in hurricane territory. Inland areas around Columbia and Florence deal with severe thunderstorms, tornadoes, and flash flooding. Understanding how your policy handles these events can save you thousands.
Hurricane and Windstorm Deductibles
Here's where a lot of SC renters get tripped up. Most policies in coastal and near-coastal counties include a separate hurricane or windstorm deductible that's calculated as a percentage of your coverage limit rather than a flat dollar amount. If you have $30,000 in personal property coverage and a 5% hurricane deductible, you're paying the first $1,500 out of pocket before insurance kicks in.
This is different from your standard deductible (usually $500 or $1,000) that applies to non-hurricane claims. The South Carolina Department of Insurance publishes bulletins that outline how insurers must handle windstorm deductibles, so it's worth checking what your specific policy says. If you're renting in a coastal county, ask your agent to walk you through exactly when the hurricane deductible triggers versus the standard one.
The Difference Between Flood Damage and Water Backup
This distinction trips up renters constantly. Standard renters insurance does not cover flood damage, period. A flood, as defined by insurance, is water that rises from the ground up: storm surge, overflowing rivers, heavy rain pooling in streets and entering your ground-floor apartment. For that, you need a separate flood insurance policy, typically through the National Flood Insurance Program or a private carrier.
Water backup coverage is different. It handles damage from backed-up sewers or drains and overflowing sump pumps. This is usually available as an inexpensive add-on to your renters policy. South Carolina's flood insurance requirements and risk zones vary significantly by location, and even areas not officially in a high-risk flood zone can experience flooding. After Hurricane Florence in 2018, many inland renters in the Pee Dee region discovered the hard way that their standard policies didn't cover the water damage they experienced.
If you're renting anywhere in South Carolina, seriously consider both a flood policy and a water backup endorsement. The combined cost is usually modest relative to the protection.
| 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.
More hearing aid centers are offering in-home fitting and testing services, especially for elderly or mobility-limited patients. If any employee drives a company vehicle, or even their personal car, for business purposes, your personal auto policy won't cover accidents that happen during work-related trips.
A commercial auto policy covers liability, collision, and comprehensive damage for vehicles used in your business operations. South Carolina's minimum auto liability limits are 25/50/25 ($25,000 per person, $50,000 per accident for bodily injury, $25,000 for property damage), but most businesses should carry significantly higher limits. A serious accident during a house call could easily exceed those minimums.
Commercial Auto for Mobile Services
Comparing Coverage Options and Policy Types
Not all renters policies pay out the same way when you file a claim. The two main approaches are actual cash value (ACV) and replacement cost value (RCV), and the difference between them can mean hundreds or even thousands of dollars in a claim.
Comparison Table: Actual Cash Value vs. Replacement Cost
| Feature | Actual Cash Value (ACV) | Replacement Cost Value (RCV) |
|---|---|---|
| How it pays | Current value minus depreciation | Cost to buy a brand-new equivalent item |
| Example: 3-year-old laptop worth $1,200 new | Might pay $500-$600 after depreciation | Pays up to $1,200 for a comparable new laptop |
| Monthly premium | Lower | Slightly higher (typically $3-$7 more/month) |
| Best for | Renters on a tight budget | Anyone who wants to actually replace their stuff |
| Claim satisfaction | Often leaves a gap between payout and replacement cost | Covers the real cost of getting back to norma |
The premium difference between ACV and RCV policies is small enough that replacement cost coverage is almost always the better deal. Paying an extra $50-$80 per year to avoid absorbing depreciation on every item in a claim is a straightforward win. An independent agency like CSP Insurance Services can pull quotes from multiple carriers side by side, so you can see exactly what that upgrade costs with different insurers.
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 |
Calculating the Cost of Coverage in South Carolina
Renters insurance in South Carolina is genuinely affordable compared to most other insurance products. The
average cost ranges from about $21 to $26 per month, with annual premiums typically falling around $151 or higher depending on your coverage limits and location. That's roughly the cost of two streaming subscriptions for protection that covers tens of thousands of dollars in belongings.
Factors That Influence Your Monthly Premium
Your premium isn't random. Insurers weigh several factors when pricing your policy:
- Location: Coastal areas like Myrtle Beach and Charleston typically cost more due to hurricane exposure. Inland cities like Rock Hill or Columbia tend to be cheaper.
- Coverage amount: Higher personal property limits mean higher premiums. Most renters need between $20,000 and $50,000 in coverage.
- Deductible: Choosing a $1,000 deductible instead of $500 lowers your premium, but you'll pay more out of pocket on a claim.
- Claims history: Previous insurance claims can bump up your rate.
- Credit-based insurance score: South Carolina allows insurers to use credit information in pricing, and a strong credit profile typically means lower premiums.
- Building type and age: Older buildings or those without updated electrical and plumbing systems may cost more to insure.
Your specific neighborhood matters too. A renter in a newer apartment complex with sprinkler systems and security cameras will generally pay less than someone in an older duplex without those features.
How to Save Money With Bundling and Security Discounts
The easiest way to lower your renters insurance cost is bundling it with an auto policy. Most carriers offer a multi-policy discount of 5% to 15%, which can offset the entire cost of the renters policy in some cases. If you already have car insurance, ask your agent whether adding renters coverage actually reduces your combined bill.
Other common discounts include claims-free discounts for renters with no recent claims, security system discounts for monitored alarms or smart home devices, and paperless billing discounts. Some carriers also offer loyalty discounts after you've been with them for a year or more. CSP Insurance Services, with access to multiple carriers across the state, can identify which combination of discounts gives you the best rate for your specific situation.
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 South Carolina Renters Insurance
FAQ: Real Answers for SC Residents
Does renters insurance cover my belongings during a hurricane? Yes, but only for wind damage. If wind blows rain through a broken window and ruins your furniture, that's typically covered. Flood damage from storm surge or rising water requires a separate flood policy.
Will my policy cover my stuff if it's stolen from my car? In most cases, yes. Personal property coverage generally applies regardless of where the theft occurs, whether it's from your apartment, your car, or even a hotel room while you're traveling.
How much personal property coverage do I actually need? Walk through your apartment and add up what it would cost to replace everything: furniture, electronics, clothing, kitchen items. Most people underestimate by 30% to 40%. A home inventory app makes this easier.
Can my landlord see my renters insurance policy details? Your landlord can require proof of coverage and may ask to be listed as an "interested party" so they're notified if your policy lapses. They won't have access to your claims history or specific coverage details beyond what you provide.
Is flood insurance expensive for renters? Flood policies for renters are often more affordable than homeowners flood coverage because you're only insuring personal property, not the structure. Expect to pay $50 to $150 per year in moderate-risk zones.
What happens if my roommate's stuff gets damaged? Your policy covers your belongings only. Roommates need their own separate renters insurance policies unless you're listed on the same policy, which some carriers allow for domestic partners.
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 Rental
Renters insurance in South Carolina isn't just a checkbox on a lease agreement. It's real financial protection against risks that are very much part of life here, from hurricane-driven wind damage along the coast to apartment fires and theft in any city. At roughly $21 to $26 a month, the cost is low enough that skipping it doesn't make financial sense for most people.
The key decisions come down to choosing replacement cost over actual cash value, understanding your hurricane and windstorm deductibles, and adding flood coverage if you're anywhere near a flood-prone area. Don't assume your standard policy handles everything: read the exclusions, ask questions, and make sure you're not leaving gaps that could cost you thousands.
If you want help sorting through your options, the team at CSP Insurance Services can compare policies from multiple carriers and find coverage tailored to your rental situation. They've been helping South Carolina residents since 1939, and a quick conversation can clarify exactly what you need. Request a quote to get started, and make sure your next lease renewal comes with real peace of mind.
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