Charleston & Mount Pleasant's Independent Insurance Agency
Our mission is to offer friendly and helpful service to our policyholders by establishing trust and continuous coverage during unexpected life situations.
Your Trusted Insurance Agency
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 SC Coastal Insurance, we work hard to ensure your insurance policy has the best coverage for less.
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 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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Independent. Local. On Your Side.
We Compare 25+ Insurance Companies So You Don’t Have To
We don’t work for an insurance company. We work for you — with local Charleston coastal expertise and honest advice, not a sales quota.
- 25+ Carriers, One Agent — We shop your policy across more than 25 insurance companies to find the right fit, not just the first quote.
- Independent Advice, Not a Sales Quota — We’re not paid more to sell you any one company’s policy.
- Local Charleston Expertise — We live and work in the same coastal risk zones we insure, from Mount Pleasant to the barrier islands.
- Real Help With Claims — We help you navigate the claim, not just the sale.
- Reviewed Every Year — Re-shopped at renewal so you’re never quietly overpaying.
We don’t work for an insurance company. We work for you.
INSURANCE POLICY OPTIONS
We offer a variety of insurance products to ensure you'll be protected from the unique risks you face in life.
Home Insurance
Home insurance covers hazards that you face as a homeowner. These accidents can be expensive and stressful. We'll make sure you don't have to deal with these stressful issues alone by helping you obtain the coverage you need.
Auto Insurance
Not all car insurance is created equal. We'll help make sure you are properly covered in cased of an accident - from bodily injury to uninsured motorist coverage, we'll make sure you're prepared for the unexpected.
Small Business Insurance
Every day, you work hard to ensure that your business stays up and running. That’s why it’s important to make sure your commercial property is protected because accidents do happen on occasion, and the last thing you want to experience is being out of commission and under the wrong policy.
Flood & Hurricane Insurance
Charleston-area homes and businesses face real flood risk from storm surge, heavy rain, and named storms. We help you navigate FEMA flood zones, secure NFIP or private flood coverage, and understand hurricane deductibles so you're not caught off guard.
Workers' Compensation Insurance
South Carolina law requires most employers with 4+ employees to carry workers' comp. We help contractors, restaurants, retailers, and offices get compliant coverage that protects both your team and your business from costly claims.
Personal Umbrella Insurance
One accident is all it takes to exceed your home or auto liability limits. An umbrella policy adds $1M+ in extra protection over your existing policies, covering lawsuits, dog bites, and liability from boats, golf carts, and rental property.
Recent Insurance Blog Posts
Check out our Insurance Blog for in-depth information about insurance options in SC Coastal Areas.
South Carolina Hurricane Deductible Guide: How Named-Storm Deductibles Work
What Contractors in Summerville, SC Need to Know About Commercial Insurance
How Much is Flood Insurance in the Charleston Area?
Moving to Cainhoy, SC: A Buyer and New Arrival Insurance Guide
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 & 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.