Areas served: Charleston, SC and surrounding Charleston County, including Mount Pleasant, James Island, Johns Island, West Ashley, and Daniel Island
Charleston's insurance market reflects the region's unique coastal risk profile, with agents specializing in windstorm and flood coverage essential for properties in downtown peninsular neighborhoods, West Ashley, Mount Pleasant, and barrier islands. Local agents maintain relationships with carriers experienced in hurricane-zone underwriting, including specialized high-value home policies for historic properties in the French Quarter and South of Broad districts. The market includes both independent agencies representing multiple carriers and captive agents, with particular expertise in coordinating standard homeowners policies with separate wind and flood coverage required throughout the Lowcountry.
Mappus Insurance Agency, a division of Afore Insurance Services, is an independent insurance brokerage serving Mount Pleasant, Charleston, and South Carolina with homeowners, flood, and business insurance. Their signature Mappus 365 process specializes in protecting affluent and high-net-worth families by coordinating with clients' wealth advisors, tax advisors, and attorneys to build comprehensive risk management programs. The local team shops multiple carriers on your behalf to find the right coverage at honest prices, eliminating the need to call around.
Heather Eberlin is a State Farm Insurance Agent in Charleston offering comprehensive insurance coverage including auto, homeowners, condo, renters, business, life, health, and pet insurance. Led by agent Heather Eberlin (ChFC®), the team provides personalized quotes and educational guidance to help customers understand their coverage needs. They also offer banking, investment services, and annuities, with 24/7 availability via phone or text.
Maritime Insurance International is an independent insurance agency in Charleston specializing in marine and maritime coverage for vessels, boat owners, and maritime businesses. They provide comprehensive insurance solutions including hull coverage, liability protection, and specialized policies for commercial and recreational maritime operations. Their expertise in the marine insurance industry and commitment to personalized service make them a trusted choice for Charleston's boating and maritime community.
64 Insurance Group, operating as AreYou64 in the Charleston area, is an independent insurance agency specializing in personalized coverage solutions for individuals and families. They offer comprehensive insurance products including auto, home, life, and business coverage, with a focus on finding clients the right policies at competitive rates. The team prides itself on personalized service and helping customers understand their options.
Pilothouse Insurance is an independent insurance agency in Charleston that simplifies the insurance shopping process by comparing rates across multiple carriers at no agency fee. They specialize in auto, home, health, and business insurance, helping individuals and families find affordable coverage tailored to their specific needs. Their zero-fee model and rate-shopping approach make them a transparent, cost-effective choice for Charleston-area residents.
64 Insurance Group is an independent insurance agency in North Charleston serving the Charleston area with personalized coverage solutions. They specialize in auto, home, life, and business insurance, helping clients find the right policies at competitive rates. Their team focuses on understanding individual needs and providing tailored recommendations rather than one-size-fits-all solutions.
Medicare Blueprint Advisors is a locally owned independent insurance agency in Charleston specializing in helping Medicare-eligible seniors navigate supplemental insurance plans. Founded by Tim Hanbury and Jason S. Mackey, the agency provides free one-on-one consultations (by phone or in-person) to create personalized Medicare blueprints covering Parts A, B, C, D, and Medigap options. They represent top Medicare insurers and help clients understand enrollment periods, coverage gaps, and ways to optimize their plans for maximum savings.
Pinckney-Carter Insurance Agency is an independent insurance agency in North Charleston, SC offering comprehensive coverage across home & property, auto, recreational, and business insurance. Their knowledgeable team works with an extensive network of trusted providers to deliver personalized, tailored solutions that match each client's unique needs. Known for responsive service and expert guidance, they help individuals and business owners protect their assets with accessible, affordable coverage options.
Harrell Insurance Agency is an independent insurance broker serving Charleston and surrounding areas with auto, home, flood, boat, life, and business insurance. Their team of dedicated professionals specializes in finding competitive coverage options tailored to each client's needs, with a focus on personalized service and building long-term relationships. They work with multiple carriers to provide families and businesses with comprehensive risk protection portfolios.
Freeway Insurance is a full-service insurance agency in North Charleston offering auto, home, renters, motorcycle, business, life, and specialty insurance products. Operating from a convenient Dorchester Road location, Freeway provides quotes online, by phone, or in person with access to over 200 insurance companies. The team specializes in affordable coverage tailored to North Charleston residents, including SR-22 filings, and understands local risks like traffic patterns and flood exposure.
Coastal Insurance Brokers is a local South Carolina insurance agency specializing in protecting Lowcountry residents from unique coastal risks like floods and hurricanes. They offer comprehensive personal, auto, homeowners, and small business insurance by comparing 25+ carriers to find affordable coverage tailored to each client's needs. With agents based in Charleston and Mount Pleasant who understand regional challenges, they provide personalized service, quick claims assistance, and expert guidance on flood insurance requirements and coastal property protection.
Taylor Agency is an independent insurance agency in Charleston offering comprehensive coverage solutions including auto, home, life, and business insurance. The team works with multiple carriers to find personalized policies that fit each client's unique needs and budget. They're known for their customer-focused approach and commitment to providing expert guidance on coverage options.
A & A Insurance is a family-owned and -operated local insurance agency in Charleston, SC with over 70 years of experience. They specialize in home, auto, life, and commercial insurance with a focus on personalized service and bundled policies tailored to individual needs. Their team provides 24/7 policy access, claims assistance, and local expertise in coastal property risks like hurricanes and flood coverage.
Gill Insurance of the Lowcountry is an independent insurance agency serving the greater Charleston area and beyond, offering comprehensive personal and commercial insurance solutions. They specialize in auto, homeowners, condo, flood, marine, and umbrella coverage for individuals, plus general liability, workers' compensation, commercial auto, and builder's risk for businesses. As an independent agent with access to multiple carriers, they focus on matching clients with the right coverage at competitive rates while providing ongoing support through claims and policy reviews.
Hanham Insurance Agency is an independent insurance agency in Charleston specializing in comprehensive coverage for homes, vehicles, and businesses. With deep roots in the local community, they work with multiple insurance carriers to customize policies that fit individual needs and budgets. Their experienced team takes time to understand each client's unique situation and finds the right protection at competitive rates.
KSA Insurance is an independent insurance agency in North Charleston serving the Lowcountry with comprehensive coverage options including auto, home, business, and life insurance. Their experienced team works with multiple carriers to find personalized policies and competitive rates tailored to each client's specific needs.
Acceptance Insurance is a local insurance agency in North Charleston serving South Carolina with auto, home, and life insurance policies. They specialize in providing coverage options for drivers and homeowners of all risk profiles, including those with driving violations or claims history. Their team works to find affordable insurance solutions tailored to individual needs.
C. T. Lowndes & Company is an independent insurance agency serving the Lowcountry with comprehensive coverage options including auto, home, life, and business insurance. With deep roots in the Charleston area and multiple locations, they work with clients to find personalized insurance solutions that fit their specific needs and budgets.
Anderson Insurance Associates is an independent insurance agency in Charleston serving South Carolina with comprehensive coverage options including auto, home, life, and business insurance. As an independent agent representing multiple carriers, they help clients find customized policies that fit their specific needs and budget. Their experienced team focuses on building long-term relationships and providing personalized service to protect what matters most to their clients.
C. T. Lowndes & Company is an independent insurance agency serving the Charleston area with comprehensive coverage options including auto, home, life, and business insurance. Their experienced team works with multiple carriers to find customized policies that match each client's specific needs and budget. They're committed to building long-term relationships and providing personalized service to both individuals and business owners.
Bridge Insurance is a Charleston-based independent insurance agency offering comprehensive coverage for individuals and businesses. They specialize in auto, home, commercial, and specialty insurance products, shopping multiple carriers to find competitive rates tailored to each client's needs and budget. Known for personalized local service without call centers, Bridge Insurance helps customers navigate complex coverage options for vehicles, property, business operations, and liability protection.
Covenant Insurance Group is a local independent insurance agency serving the Charleston area with comprehensive coverage across home, auto, business, life, and health insurance. With multiple office locations and a team committed to long-term client relationships, they specialize in finding the right coverage for individuals, families, and businesses of all sizes—from personal policies to complex commercial and specialty industry coverage including contractors, restaurants, farms, and professional practices.
Cliff Heath Insurance Inc is an independent insurance agency in Charleston, SC serving South Carolina residents since 1974. They offer auto, home, life, and business insurance plans, shopping multiple carriers to find the best coverage and rates for each client's unique needs. Their experienced agents take a personalized approach, asking the right questions to match customers with appropriate plans rather than pushing unnecessary coverage.
Dunes Insurance is an independent insurance agency in Charleston offering personalized coverage solutions for auto, home, business, and life insurance. The agency works with multiple carriers to find clients the best rates and coverage options tailored to their specific needs.
JC Life Health Insure is an independent health insurance agency run by owner-broker Jacqueline V Johnson, specializing in comprehensive health coverage solutions including health insurance, Medicare supplements, Medicare Advantage plans, life insurance, dental, vision, disability, accident, and cancer insurance. With 11 years in business and BBB accreditation, they focus on finding affordable, personalized plans that match individual needs.
Comprehensive Insurance is an independent insurance agency in Charleston serving the Lowcountry with a range of coverage options including homeowners, auto, life, and business insurance. With a 5-star rating from customers, they provide personalized service and competitive quotes to help clients find the right coverage for their needs.
Rowell Insurance Agency is an independent insurance agency serving the North Charleston area with personalized coverage solutions for individuals and families. They offer a comprehensive range of insurance products including auto, home, life, and business coverage, helping clients find policies that match their specific needs and budgets. With local expertise and direct access to multiple carriers, they provide competitive rates and bundled discounts to maximize savings.
Mappus Insurance Agency, a Division of Afore Insurance Services is the top-ranked insurance provider in Charleston with a Lantern Score of 85.70/100 and a 5-star rating from 653 reviews. They specialize in homeowners, flood, and business insurance and are particularly known for serving affluent homeowners, high-net-worth families, and flood-prone property owners.
Maritime Insurance International (Lantern Score: 85.65/100) is the specialized provider for boat and yacht owners in Charleston, offering comprehensive marine and maritime coverage. They serve boat owners, yacht owners, commercial fishing operations, and other maritime businesses with 5-star ratings from 524 customer reviews.
Medicare Blueprint Advisors, LLC (Lantern Score: 84.79/100) specializes in helping Medicare-eligible seniors navigate supplemental insurance plans with a 5-star rating from 113 reviews. Founded by Tim Hanbury, they focus on helping retirees understand Medicare enrollment periods and maximize savings on supplemental coverage.
Mappus Insurance Agency (Lantern Score: 85.70/100) and Harrell Insurance Agency (Lantern Score: 83.70/100) both specialize in flood insurance for Charleston homeowners. Additionally, Coastal Insurance Brokers (Lantern Score: 83.21/100) specifically protects Lowcountry residents from coastal risks like floods and hurricanes with personalized solutions.
Pilothouse Insurance (Lantern Score: 85.16/100) and 64 Insurance Group (Lantern Score: 84.96/100) both specialize in multi-policy bundling to help families save on auto and home insurance. Heather Eberlin - State Farm Insurance Agent (Lantern Score: 85.69/100) also provides comprehensive bundled coverage with personalized guidance from 626 satisfied customers.
None of the 27 insurance agencies in the Charleston area are open on weekends. All providers operate during standard weekday business hours, so customers should plan to contact agencies during regular business days.