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2024

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Best Homeowners Insurance Agencies in Charleston, SC

Our Recommended Top 14

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Charleston 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.

77Reviewed

51Curated

14Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

635 East Bay Street, Charleston, SC 29403

Expertise.com Rating

Review Sources

Google
5.0 (19)
Facebook
5.0 (1)

Why choose this provider?

Crescent Insurance Advisers is an independent insurance agency in Charleston that helps homeowners manage risks and protect their assets with an insurance policy. They advise clients on the coverages, endorsements, riders, conditions, and limitations the different homeowners' insurance policies have, and aid them in selecting which option suits their needs. The policy generally offers financial protection from damages and losses due to covered events. Crescent Insurance Advisers has access and extensive knowledge on multiple insurance solutions, carriers, and guidelines.

  • Fire
  • Multiple Policy Types
  • Flood

1525 Sam Rittenberg Boulevard, Charleston, SC 29407

Expertise.com Rating

Review Sources

Google
5.0 (58)
Facebook
5.0 (12)
Yelp
2.0 (1)

Why choose this provider?

A & A Insurance has been providing insurance products and services to residents and businesses in Charleston for more than two decades. Founded in 2000, the company assists individuals and families to protect their homes and personal assets against unforeseen circumstances through a homeowners insurance policy. Its licensed agents guide customers in choosing the right coverage akin to their needs. These include dwelling, personal property, liability, and additional living expenses. The firm also provides renters, flood, auto, recreational, and commercial insurance policies.

  • Fire

759-C Folly Road, Charleston, SC 29412

Expertise.com Rating

Review Sources

Google
4.3 (12)
Facebook
5.0 (4)
Yelp
5.0 (2)

Why choose this provider?

Brinson Insurance Agency is a local homeowners' insurance agency that has been successfully serving families in the Charleston area for more than 30 years. Established in 1988 by John Brinson, the company specializes in reviewing homeowners' needs and recommending plans fit for their property, whether it is a primary residence, condominium, mobile home, rental property, or resort. Brinson Insurance Agency has built partnerships with AIG, Foremost, MetLife, and other reputable carriers.

  • Renter's Insurance
  • Multiple Policy Types
  • Flood

1531 Sam Rittenberg Boulevard, Charleston, SC 29407

Expertise.com Rating

Review Sources

Google
5.0 (17)
Facebook
5.0 (5)

Why choose this provider?

Cliff Heath Insurance helps owners and renters protect tangible assets and loved ones in the event of a disaster. The company provides homeowners' insurance coverage in Charleston, including named perils policies and all-risk policies. Named perils insurance policies safeguard the properties of a client from specified disasters, while an all-risk policy encompasses all kinds of disasters unless otherwise stated in the policy. Cliff Heath Insurance has been preserving homes since 1974.

  • Renter's Insurance
  • Multiple Policy Types
  • Flood

749 Saint Andrews Boulevard, Charleston, SC 29407

Expertise.com Rating

Review Sources

Google
4.8 (84)
Facebook
5.0 (4)
Yelp
3.0 (4)

Why choose this provider?

C.T. Lowndes & Company is a Charleston insurance agency and has been mitigating financial losses since 1850. It provides homeowners' insurance that covers damages from fires and natural calamities. The agency reimburses expenses due to theft and vandalism-related damages and repair. Houseguests that were injured on-property are covered with personal liability for medical costs. C.T, Lowndes & Company is a 2018 Charleston's Choice awardee and is partnered with Safeco Insurance, Travelers, and Progressive among its list of carriers.

  • Fire
  • Multiple Policy Types

2000 Sam Rittenberg Boulevard, Charleston, SC 29407

Expertise.com Rating

Review Sources

Google
4.9 (201)
Facebook
5.0 (13)
Yelp
5.0 (3)

Why choose this provider?

Harrell Insurance Agency has been providing insurance for low-country families and businesses in Charleston since 1963. It offers a homeowners' insurance policy package that covers both damages to the property and liability or legal responsibility for any injuries and property damage that the owner or family members may cause to other people. The policy also includes damage caused by household pets. Harrell Insurance Agency also offers flood and renters insurance. It partners with different insurance carriers including Liberty Mutual, Allstate, and Nationwide.

  • Fire
  • Flood
  • Multiple Policy Types

3955 Rivers Avenue, North Charleston, SC 29405

Expertise.com Rating

Review Sources

Google
4.4 (39)
Facebook
5.0 (3)

Why choose this provider?

Rowell Insurance Agency in Charleston was established in 1972. Its length of experience in the industry allows for a better understanding of every situation, from home structures, acts of nature, vandalism, or personal belongings within the home and even car. Its services extend to condo owners for electronics and furniture protection. Renters have the option to protect their leased property in terms of structure and equipment for maintaining the property. Rowell Insurance Agency is a Progressive, Allstate, and Assurance America affiliate. Policyholders can make claims 24/7.

  • Multiple Policy Types

520 Folly Rd 15, Charleston, SC 29412

Expertise.com Rating

Review Sources

Google
5.0 (31)
Yelp
5.0 (1)

Why choose this provider?

Founded in 2010, The Dune Insurance is a local independent agency serving clients and communities in Charleston, Johns Island, Folly Beach, Kiawah Island, Isle of Palms, and the surrounding areas. Owners Trey McMillan and Matt Turbeville offer insurance policies for auto, home, business, and boat. A homeowner's policy protects clients from financial damages caused by hurricanes, hail, floods, and wind. The insurance carriers will take care of the expenses for property repair and replacement.

  • Multiple Policy Types

709 Long Point Road, Mount Pleasant, SC 29464

Expertise.com Rating

Review Sources

Facebook
5.0 (4)
Google
5.0 (2)

Why choose this provider?

South Carolina Coastal Insurance Agency is an independent insurance company that provides its services in the Charleston area. Its home insurance policies protect homes' value in cases of damage or destruction. Clients may suffer losses brought by fire, theft, vandalism, or other events, and the homeowners' insurance will help protect them financially. It may also include protection from an injury lawsuit filed against the client. A comprehensive policy may include coverage for losses resulting from hail, falling objects, and more.

  • Fire
  • Flood
  • Multiple Policy Types

1052 Gardner Road, Charleston, SC 29407

Expertise.com Rating

Review Sources

Google
4.8 (58)

Why choose this provider?

Triest Agency offers home insurance products in Charleston. Established in 1903, this company understands the value of having protected homes and seeks to help homeowners mitigate financial losses. Its home insurance plans cover structural repairs, including decks, garages, and detached structures, destroyed personal belongings, liability claims and related medical bills, and living expenses associated with loss of use. Additional living expenses include lodging and food items until house reconstruction or repair is completed. Liability coverage also includes off-premises incidents.

  • Personal Property Insurance

147 Wappoo Creek Drive, Charleston, SC 29412

Expertise.com Rating

Review Sources

Google
4.7 (14)
Facebook
5.0 (3)
Yelp
5.0 (2)

Why choose this provider?

Taylor Agency is a full-service insurance company in Charleston that offers personal and commercial insurance solutions. The company has a team of homeowners' insurance agents who help clients decide on the policies they need to acquire to protect their properties. Its homeowners' insurance policies cover sewage backups and natural disasters like rising waters, storms, and earthquakes. Coverage is dependent on the results of property assessment and evaluation. Taylor Agency insures traditional homes, historic homes, and high-value properties.

  • Multiple Policy Types

3491 Shelby Ray Court, Charleston, SC 29414

Expertise.com Rating

Review Sources

Google
5.0 (74)
Facebook
4.3 (6)

Why choose this provider?

Anderson Insurance Associates is an independent insurance agency that has been serving the Charleston metro area since 1981. The company provides several options of homeowners insurance policies to private residence owners. Its licensed agents assist customers in selecting the most suitable insurance policy depending on their needs, such as the coverage, deductibles, and financial considerations. Other products include personal and business insurance policies. The company is a member of the Brokers of South Carolina and of the Independent Insurance Agents.

  • Flood
  • Multiple Policy Types

1156 Bowman Rd Suite 202, Mt. Pleasant, SC 29464

Expertise.com Rating

Review Sources

Yelp
4.5 (5)
Facebook
5.0 (3)

Why choose this provider?

Carolina Heritage Insurance is an independent agency with years of experience handling all of the insurance needs of people in and around Charleston. Its agents work with respected insurance companies to help homeowners get the best insurance coverage that meets their needs and budget. It offers rental insurance to protect the belongings of apartment renters against theft, vandalism, fire, and floods. Carolina Heritage Insurance also has auto, boat, life, business, and other insurance plans available.

  • Flood
  • Multiple Policy Types

1819 Meeting Street, Charleston, SC 29405

Expertise.com Rating

Review Sources

Google
4.9 (205)
Facebook
5.0 (75)
Yelp
3.5 (3)

Why choose this provider?

KSA Insurance provides an extensive range of insurance products and services to residents and businesses in Charleston. The company assists residential property owners in protecting their homes, belongings, and loved ones through a homeowners insurance policy. Its licensed and independent agents provide several coverage options, including protection for dwellings, personal assets, loss of use, cost of replacement, and home liability insurance. Other offerings include personal, life and health, floods, surety bonds, and commercial insurance. The company also serves clients in Mt. Pleasant.

  • Condos
  • Multiple Policy Types
  • Flood

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Crescent Insurance Advisers
635 East Bay Street, Charleston, SC 29403
A & A Insurance
1525 Sam Rittenberg Boulevard, Charleston, SC 29407
Brinson Insurance Agency
759-C Folly Road, Charleston, SC 29412
Cliff Heath Insurance
1531 Sam Rittenberg Boulevard, Charleston, SC 29407
C.T. Lowndes & Company
749 Saint Andrews Boulevard, Charleston, SC 29407
Harrell Insurance Agency
2000 Sam Rittenberg Boulevard, Charleston, SC 29407
Rowell Insurance Agency
3955 Rivers Avenue, North Charleston, SC 29405
Dunes Insurance
520 Folly Rd 15, Charleston, SC 29412
South Carolina Coastal Insurance Agency
709 Long Point Road, Mount Pleasant, SC 29464
Triest Agency
1052 Gardner Road, Charleston, SC 29407
Taylor Agency
147 Wappoo Creek Drive, Charleston, SC 29412
Anderson Insurance Associates
3491 Shelby Ray Court, Charleston, SC 29414
Carolina Heritage Insurance
1156 Bowman Rd Suite 202, Mt. Pleasant, SC 29464
KSA Insurance
1819 Meeting Street, Charleston, SC 29405

FAQs

  • 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 are the questions that you can ask your insurance agent before you purchase homeowners' insurance in Charleston?

    Before purchasing homeowners' insurance in Charleston, you can ask your agent questions to ensure you receive the offer that suits your needs. These questions can be:

    • What special offers are there?
    • What steps are involved in submitting and resolving a claim?
    • How much would it cost to rebuild my home and replace any damaged or lost possessions?
  • What are the common mistakes that Charleston homeowners insurance policyholders commit?

    Homeowners' insurance policyholders in Charleston often make mistakes while putting their policies together, such as purchasing standard coverage and expecting it to protect them from any conceivable property loss. Another mistake that policyholders make is waiting too long to file an insurance claim and failing to notify their insurer of changes to their home, both of which can result in a future lack of coverage.

  • What are the additional coverages that you should consider when reviewing your home insurance options in Charleston?

    The best way to make the most of your homeowners' insurance in Charleston is to customize it to fit your needs. While reviewing your options, you should consider certain coverages that you can add to your policy, such as flood, fire, property damage, personal belongings, personal liability, and medical expenses coverage. Additionally, think about adding coverage for off-premises theft and additional living expenses.

  • Why is your home in Charleston insured more than its market value?

    In Charleston and throughout South Carolina, your property is often insured for more than its market value because insurance only takes into account the cost to repair or rebuild your home. Even though market prices can rise or fall, the cost of reconstruction will remain constant or even go up.

  • What is the first thing that you should do if your home in Charleston just suffered a loss?

    If your property in Charleston has just experienced a loss, call the agency or your agent and inform them about what happened. However, confirm first that your insurance will cover your loss before taking this action. Ensure that your homeowners' insurance covers events such as fire, flood, or earthquake damage to your property.

  • 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.

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