Coastal insurance, handled by people who live here too.
25+ carriers compared, so you get the right coverage — not just the first quote.
Your Trusted Insurance Agency
Independent South Carolina insurance agency serving clients since 2009, with licensed professionals experienced in coastal property risks.
Choosing the right insurance in South Carolina can be complicated. Due to its unique geography, insurance policies have to be carefully crafted to cover all possible outcomes. Here at Coastal Insurance Brokers, we work hard to help you find coverage suited to your risk.
We are committed to protecting your property from the unpredictable forces of nature. Based in South Carolina, we understand the distinct challenges that come with coastal living—especially the risks of floods and hurricanes. That's why we offer tailored Flood, Wind, and Hurricane Insurance policies designed to give you confidence and peace of mind when it matters most.
Coastal Insurance Brokers offers reliable personal, auto, and homeowners insurance trusted by residents in Charleston, Mt. Pleasant and across SC. Our experienced agents work with you to find the right coverage to protect your most valuable assets. With our comprehensive home insurance plans—including protection for personal belongings and liability—you can have peace of mind knowing you're fully covered.
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INSURANCE POLICY OPTIONS
We offer a variety of insurance products to ensure you'll be protected from the unique risks you face in life.
Property & Coastal Coverage
Homeowners Insurance
Coastal homeowners insurance isn't always one policy. Flood coverage is generally separate, while wind may be included or placed separately depending on the property and market. We help you understand how the pieces fit together.
Flood Insurance
Homeowners insurance generally doesn't cover flood damage. We compare NFIP and private flood options, including differences in coverage, pricing and when protection can take effect.
Dwelling Fire & Landlord Insurance
Renting out a property or own a home you don't live in full-time? Standard homeowners coverage isn't built for that. We help landlords and second-home owners get dwelling fire coverage matched to how the property is actually used.
Condo Insurance (HO-6)
A standalone HO-6 policy or an add-on to your master policy? Charleston condo owners often aren't sure which coverage is theirs and which belongs to the association. We help you close that gap.
Short-Term Rental Insurance
Airbnb and VRBO hosts need coverage a standard homeowners policy usually excludes. We help STR owners in Charleston and Mount Pleasant find policies built for short-term rental use, not just occasional guests.
Business Coverage
Small Business Insurance
Not all small businesses face the same risks. We help Charleston-area business owners find general liability, property and business income coverage that actually matches how their business operates.
Contractors Insurance
Builders and tradespeople face liability and equipment risks a standard business policy may not cover. We help Charleston-area contractors find coverage suited to the work they actually do.
25+ Carriers Compared — Including These Trusted Partners
Recent Insurance Blog Posts
Check out our Insurance Blog for in-depth information about insurance options in SC Coastal Areas.
You’re Probably Overpaying for Wind Coverage. Here’s How Charleston Homeowners Find Out.
Wind and Hail Coverage in Coastal South Carolina: What Homeowners Need to Know
Flood Zone X Explained: Do You Need Flood Insurance If You’re “Low Risk”?
Frequently Asked Questions
We are here to guide you through the process of securing the best insurance options. Here are some frequently asked questions to help you get started...
What areas do you serve?
We're proud to be Charleston & Mount Pleasant's independent insurance agency, with a second office serving North Myrtle Beach and the Grand Strand. From the barrier islands to the Lowcountry, we know the local risks first-hand.
What's the advantage of an independent agency?
Unlike a captive agent who sells for one company, we're independent — we shop your policy across 25+ insurance companies to find the best coverage and price for your specific situation, and we're re-shopped every year at renewal.
What types of insurance do you offer?
We offer home, auto, flood, wind & hurricane, personal umbrella, motorcycle, and boat insurance for individuals, plus business owners policies, workers' compensation, and commercial property for local businesses.
How quickly can coverage start?
Most policies can bind quickly, often the same day once we have your information. Flood policies typically have a 30-day waiting period, so we'll walk you through the right timeline for your specific coverage.
Mount Pleasant & North Myrtle Beach
Ready When You Are — Two Local Offices, One Coastal Team
Independent, local, and licensed across the South Carolina coast. Get a personalized quote or reach our team directly — no call centers, no scripts.
Mount Pleasant Office
Mt. Pleasant, SC
3405 Salterbeck St #102
Mt Pleasant, SC 29466
Mon–Fri, 9:00am – 4:30pm
Office Details & Directions →North Myrtle Beach Office
North Myrtle Beach, SC
1000 2nd Ave S Suite 300
North Myrtle Beach, SC 29582
Mon–Fri, 9:00am – 4:30pm
Office Details & Directions →