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Best Homeowners Insurance Agencies in South Carolina

Our Recommended Top 13

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Our goal is to connect people with the best local professionals. We scored South Carolina Homeowners Insurance Agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.



13Top Picks

Learn about our selection process.


featured provider = Featured Provider

West Columbia Rating

Why choose this provider?

Livingston Insurance Agency has been serving individuals and businesses in South Carolina since 1958. Its homeowner's insurance products provide physical loss and personal liability protection to shield clients from financial burden if their homes become affected by natural calamities, fire, and theft. It also helps them apply for insurance products with special endorsements and plans to protect their high-value homes. The company's current president, Joe Popkowski, is a certified risk manager who has widened his expertise by participating in AIG and Travelers training programs.

Mount Pleasant Rating

Review Sources

5.0 (3)

Why choose this provider?

HorizonFirst Insurance is an insurance agency that has been serving South Carolina for over 10 years. Considered the Palmetto State's best of the best, it helps clients apply for different property insurance plans, including primary and secondary homes, condos, renters, and mobile homes, covering electronic devices, antiques, and jewelry. It also provides special accommodations to clients who have already installed burglar or smoke alarms and new roofing systems in their homes. The company's founder, Scott Labarowski, has worked in the financial service industry for more than two decades.

Johns Island Rating

Why choose this provider?

Emily Adams provides the best insurance policies for clients in South Carolina. She assists individuals and families applying for homeowners' insurance. This product includes liability coverage if a guest gets injured in the insured property and pays for the damage brought by accidents or calamities. Adams also helps customers who want to combine their existing home insurance with policies for their vehicles. She is a Chartered Life Underwriter who has been working as a State Farm agent since 2015.

Columbia Rating

Why choose this provider?

Terri Brock is a second-generation State Farm agent offering insurance services in South Carolina. She carries cheap homeowners' insurance products with liability coverage if a loved one or a guest obtained injuries inside the policyholders' homes. She also guides individuals needing insurance policies to protect their properties, whether they have condominiums, manufactured homes, farms and ranches, and apartments. Terri and her team bring over six decades of combined experience in the insurance industry. The agent received the Chairman's Circle Qualifier award from State Farm.

North Charleston Rating

Review Sources

5.0 (124)
4.7 (15)

Why choose this provider?

Ferguson Insurance Team offers the best insurance services to the State of South Carolina. It offers the best homeowner's insurance products in the community to help clients and families protect their residential properties, personal belongings, and finances after a disaster or theft. The company's team also serves individuals needing insurance plans for their automobile vehicles. Its owner and principal agent, Hardy Ferguson, is a second-generation insurance agent. Ferguson Insurance Team carries Nationwide, ASI Progressive, Bristol West, Foremost, and Liberty Mutual insurance products.

Moncks Corner Rating

Review Sources

4.8 (102)
4.3 (13)

Why choose this provider?

Schirmer Insurance Group handles the home protection needs of clients in the South Carolina community. Its homeowner's insurance products help individuals receive financial support to restore their properties damaged or lost due to disasters. It also carries renters, motorcycles, auto, boat, and RV insurance services. The company's owner, Gina Schirmer, uses her family's 62 years of insurance background to meet the needs of her clients. Gina has worked in the commercial real estate and banking field before joining the insurance industry.

Mount Pleasant Rating

Review Sources

4.3 (24)

Why choose this provider?

South Carolina Farm Bureau Mutual Insurance Company provides protection plans in the state. It helps individuals and families apply for the best homeowner's insurance policies with personal property protection, medical payments, liability expenses, and loss of use coverage. It also offers property insurance products for renters, condos, and manufactured homes. In addition, its team carries water leak sensors and total home monitoring products. One of its agents, Bailey Campbell, served as a pharmaceutical representative and sales director for 32 years before starting his career in the insurance industry.

Mt. Pleasant Rating

Review Sources

5.0 (15)
5.0 (8)

Why choose this provider?

Manning Insurance Services is the best independent agency in South Carolina. It guides individuals and families in minimizing their financial risks and securing their properties through homeowner's insurance policies. These provide coverage for liability, personal property, loss of use, and medical expenses. The agency handles property insurance plans involving umbrella, flood, and condo policies. It also helps clients protect their loved one's future finance in case of death or inability to to work due to illnesses by offering disability and life insurance plans.

Rock Hill Rating

Review Sources

5.0 (43)
1.0 (1)

Why choose this provider?

Since 1993, Mitchell Insurance Agency has been offering services to families and individuals throughout the State of South Carolina. It carries the best homeowner's insurance policies providing replacement coverage to restore client's homes or apartments damaged by fire or natural disasters. Its team also assists individuals who wish to prepare for their families' future finances and lifestyle through the final expense, individual life, and mortgage protection insurance plans. The company also serves clients residing in the North Carolina area.

Charlotte Rating

Why choose this provider?

Travis Snider handles the insurance needs of individuals and business owners in South Carolina. He offers the best homeowner's insurance policies to reduce client's financial burden if their properties unexpectedly face damages due to fire, accidents, theft, vandalism, and natural disasters. These policies also cover client's jewelry, pictures, collectibles, cameras, and furniture. He also gives clients an option to include life, health, disability, and pet insurance plans for their current policies. Snider has been working as a State Farm insurance agent since 2008.

Mount Pleasant Rating

Review Sources

5.0 (78)

Why choose this provider?

Home Insurance Agency deals with the risk management needs of clients in South Carolina. The family-owned and family-operated business cater to individuals wanting to secure their finances and properties through the best homeowner's insurance plan. This product provides coverage for loss, damage, and liability expenses. The company also guides policy buyers in finding the best flood insurance plans for their homes and personal belongings. It extends its services to customers in North Carolina, New Jersey, Pennsylvania, Connecticut, and Georgia.

Columbia Rating

Review Sources

4.7 (82)
5.0 (10)
5.0 (2)

Why choose this provider?

Trey Webb - State Farm Insurance Agent handles the insurance needs of clients in South Carolina. He provides the best homeowner's insurance policies, helping clients obtain financial support and manage their liability expenses if their loved ones become injured inside their homes. These policies also cover home structure restoration services if a disaster, vandalism, or theft affects their properties. Webb has been working as an insurance agent for more than 10 years. He received the Ambassador Travel Qualifier and SVP Club Qualifier awards from State Farm.

Columbia Rating

Review Sources

4.6 (123)

Why choose this provider?

Affordable Insurance Group has been serving the South Carolina community since 1985. As the best insurance company, it assists clients in protecting their properties, finances, and loved ones through homeowner's insurance policies. These policies provide general liability, additional living expenses, dwelling, and personal belonging coverages. It also gives individuals and families an option to combine their homeowners and auto insurance policies to reduce their premiums. Affordable Insurance Group is available for recreational vehicle insurance plans covering client's collision damage, uninsured and underinsured, and medical expenses after collisions or accidents.

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Livingston Insurance Agency
100 9th Street, West Columbia, SC 29169
HorizonFirst Insurance
3003 Dunes West Boulevard, Mount Pleasant, SC 29466
Emily Adams - State Farm Insurance Agent
3575 Maybank Highway, Johns Island, SC 29455
Terri Brock - State Farm Insurance Agent
6158 Saint Andrews Road, Columbia, SC 29212
Ferguson Insurance Team
9229 University Boulevard, North Charleston, SC 29406
Schirmer Insurance Group
2900 North Main Street, Moncks Corner, SC 29461
South Carolina Farm Bureau Mutual Insurance Company
2700 North Highway 17, Mount Pleasant, SC 29466
Manning Insurance Services
501 Wando Park Blvd suite 140-b, Mt. Pleasant, SC 29464
Mitchell Insurance Agency
331 East Main Street, Suite 200, Rock Hill, SC 29730
Travis Snider - State Farm Insurance Agent
7510 Pineville-Matthews Road, Charlotte, NC 28226
Home Insurance Agency
1501 Belle Isle Avenue, Mount Pleasant, SC 29464
Trey Webb - State Farm Insurance Agent
10201 Two Notch Road, Columbia, SC 29229
Affordable Insurance Group
6168 Saint Andrews Road, Columbia, SC 29212


  • Introduction

    Homeowners' insurance is a type of property insurance used by private property owners to protect their home and property from a range of risks and liabilities. It is also called home insurance.

    All homeowners' insurance policies cover the primary home on a property, meaning that most damage from weather, accidents, vandalism, and other events will be at least partially paid for by the insurance company. Many policies also include coverage for other structures, personal property, and some premises liability.

    It is not required by law that a homeowner purchases insurance for their property. However, if you have a mortgage, the lender will usually make purchasing a homeowners' policy a mandatory part of the loan process. Since the mortgage lender is essentially selling you the home, they require you to protect the investment.
  • What determines the price of homeowners insurance premium?

    The premium, or monthly cost, of your homeowners' insurance policy depends on several factors, including the value of your home and amount of coverage you choose. Your credit history and whether the property is in a higher risk area also play a role.

  • What is the difference between home warranty and homeowners insurance?

    Homeowners' insurance protects your home and property from damage from events that include storms, theft, and fires. A home warranty covers repair costs for parts of your home that eventually breaks down. For example, if a fallen tree damages your roof, it's typically covered by insurance, not the warranty.

  • Does Geico offer homeowners insurance?

    Because auto insurance is Geico's focus and where they invest the most in advertising, many people know the company only as a car insurance provider. On the contrary, Geico does offer a range homeowners' insurance policies that cover dwellings, personal property, and personal liability, among other provisions.

  • How long does homeowners warranty insurance last?

    Home warranties vary based on the provider of the coverage, but most home warranties last for one year. Once they run out, homeowners have the option of renewing the warranty or letting it lapse. If a covered item breaks down after the warranty period is over, repair costs won't be reimbursed.

  • Does homeowners insurance cover water heaters?

    Homeowners' insurance doesn't cover water heaters when they break down from normal wear and tear. An insurance policy may cover water damage to your home and property if it malfunctions, and if the water heater is damaged by a fire or an accident, home insurance may provide the costs to replace it.

  • Are RVs covered under homeowners insurance?

    Usually, an RV is covered under your homeowners' insurance, but that coverage will probably be subject to several exceptions and contingencies. For example, if you want to drive your RV, you'll either need car insurance or specialized RV insurance since the risks you'll face on the road do not fall under a homeowner's policy.

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