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2024

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Best Homeowners Insurance Agencies in North Charleston, SC

Our Recommended Top 12

We did the research for you!

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  • User Reviews
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Our goal is to connect people with the best local professionals. We scored North 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.

73Reviewed

48Curated

12Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

5107 North Rhett Avenue, North Charleston, SC 29405

Expertise.com Rating

Review Sources

Google
4.9 (17)
Facebook
5.0 (9)
Yelp
5.0 (2)

Why choose this provider?

Established in 2014, ​Abri ​Insurance is a full-service, independent insurance agency providing a broad range of insurance products to residents of North Charleston. Its homeowners' insurance coverage is customized to meet the needs and requirements of each client. Its founder, Angela Herndon, has a decade of experience in the industry and works closely with clients to ensure that they are provided with policies that best suit their situations. Abrin Insurance is a member of the North Carolina Chamber of Commerce.

  • Flood
  • Personal Property Insurance

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 has been addressing insurance needs in North Charleston and the surrounding areas since 1972. The family-owned business shops for insurance coverages from over 15 insurance carriers. The company offers customized homeowners' insurance that covers a wide variety of damages. Clients can still replace or repair any belongings insured under their policy, whether or not it is in their house. Other insurance products include mobile home coverage, flood insurance, condominium insurance, and renters' insurance.

  • Renter's Insurance
  • Personal Property Insurance
  • Flood

7089 Rivers Avenue, North Charleston, SC 29406

Expertise.com Rating

Review Sources

Google
3.9 (47)
Yelp
5.0 (1)

Why choose this provider?

Roe and Associates, Inc., is an independent insurance broker in North Charleston with 20 years of experience in the industry. Together with the usual fire damage coverage, a policyholder and its household members can have personal liability coverage if a third party gets injured on the property. Repair costs or losses due to vandalism, theft, or pets are reimbursed to the client. Roe and Associates has payment channels for various insurance carriers, such as GAINSCO, AssuranceAmerica, and National General Insurance.

  • Multiple Policy Types

9229 University Boulevard, North Charleston, SC 29406

Expertise.com Rating

Review Sources

Google
5.0 (98)
Facebook
4.4 (7)

Why choose this provider?

The advisors of Ferguson Insurance Team assist clients in multiple areas including home insurance in North Charleston. The agency provides homeowners with insurance policies that compensate for windstorm damage, hail damage, fire damage, and lightning damage. Home insurance plans also cover homeowners' liability for dog bite injuries, pool injuries, and trampoline injuries that took place on their property. Ferguson Insurance Team is owned by Hardy Ferguson. Ferguson took over the company that his father established four decades ago.

  • Multiple Policy Types

824 Johnnie Dodds Boulevard, Mount Pleasant, SC 29464

Expertise.com Rating

Why choose this provider?

Alliance Insurance Services serves clients living in the North Charleston area in need of insurance services. Its agents use their insurance knowledge to help residential property owners insure their homes, including apartments, condos, and mobile homes. The coverage takes the financial responsibility of rebuilding damaged homes and the replacement costs of destroyed or missing valuables due to theft, fire, and storm. Alliance Insurance Services also provides business and vehicle insurance covers.

  • Multiple Policy Types
  • Condos

1956 Remount Road, North Charleston, SC 29406

Expertise.com Rating

Review Sources

Google
4.9 (86)
Facebook
5.0 (12)
Yelp
3.0 (2)

Why choose this provider?

Pinckney Carter Company is an independent insurance agency in North Charleston. It mitigates financial risks and losses from damages due to fire, water, theft, loss, and some acts of nature (except flooding). Direct or indirect injury caused to a non-inhabitant is covered under the liability protection, and additional living expenses are given in case the insured home collapses. Debris removal and damaged shrubbery or trees are covered, as well as damages caused by firefighter response. Pinckney Carter Company has multiple partners like AIG, Bankers American Group, and Zurich.

  • Renter's Insurance
  • Flood

2408 Ashley River Road, Charleston, SC 29414

Expertise.com Rating

Review Sources

Google
4.6 (22)
Facebook
4.2 (5)

Why choose this provider?

Nick Wagner - State Farm Insurance Agent offers various insurance options to customers in North Charleston and neighboring communities. He specializes in preparing plans for the unexpected, including the freezing of a plumbing system, hail and wind damage, fire, theft, and vandalism, and events such as bulging of heating or cooling systems and artificially generated electrical currents. In addition, Mr. Wagner is affiliated with the National Home Builders Association and can help with retirement planning.

  • Personal Property Insurance
  • Multiple Policy Types

3506 West Montague Avenue, Charleston, SC 29418

Expertise.com Rating

Review Sources

Google
5.0 (24)

Why choose this provider?

Ai Insurance Services offers various insurance products including policies for homeowners' insurance to clients in North Charleston. As an independent agency, it works with different insurance companies to give clients the flexibility to customize their insurance coverages. It gathers personal information, property details, coverage requirements, and various declarations to assess and provide the policy options to the clients. Other insurance services that the agency offers include fidelity and surety bonds, workers' compensation, and business liability.

  • Multiple Carriers
  • Multiple Policy Types

759 Folly Road, Charleston, SC 29412

Expertise.com Rating

Review Sources

Google
4.3 (12)

Why choose this provider?

Brinson Insurance Agency is a family-owned and operated company that's been providing insurance services to homeowners in North Charleston since 1988. Its experienced agents review and recommend insurance policies for condos, resorts, primary residences, mobile homes, and renters, depending on the client's needs and preferences. The policies cover structural damage on properties and provide liability coverage to compensate injured nonresidents. Brinson Insurance Agency also offers auto, business, health, and life insurance.

  • Renter's Insurance
  • Multiple Policy Types
  • Multiple Carriers

1064 Gardner Road, Charleston, SC 29407

Expertise.com Rating

Review Sources

Google
4.0 (2)

Why choose this provider?

PC&L Insurance Agency Inc. works with homeowners seeking insurance in the larger North Charleston area. Its agents are experienced in underwriting condo and homeowner's insurance claims to provide compensation when disaster strikes. They provide temporary housing compensation in case of complete loss and reimburse medical bills incurred by guests of homes. PC&L Insurance Agency has coverage for personal belongings, and its policies are available on a replacement cost basis.

  • Multiple Carriers
  • Multiple Policy Types

3575 Maybank Highway, Johns Island, SC 29455

Expertise.com Rating

Review Sources

Google
5.0 (67)
Facebook
4.8 (24)
Yelp
5.0 (3)

Why choose this provider?

Since 2015, Emily Adams - State Farm Insurance Agent has been operating in North Charleston and nearby localities. She works with homeowners in choosing policy coverage, including coverage for the dwelling, personal assets, liability claims, and lawsuits. Offered insurance protects property from vandalism, theft, and fire, among other threats. Ms. Adams has received many professional designations, including Chartered Life Underwriter and Chartered Financial Consultant, and is a member of the Sea Island Chamber of Commerce.

  • Personal Property Insurance

1819 Meeting St Suite 100, Charleston, SC 29405

Expertise.com Rating

Review Sources

Google
5.0 (297)
Facebook
5.0 (75)
Yelp
3.5 (3)

Why choose this provider?

KSA Insurance is an independent insurance agency headquartered in North Charleston that serves clients across the East Coast and throughout the South. Offering a wide range of personal and commercial insurance products, it helps clients protect their investment through homeowners insurance policies. This policy provides comprehensive coverage against various disastrous events such as floods, fires, storms, theft, vandalism, and liability. This agency also offers coastal property insurance and other commercial insurance, including restaurant, cyber, and malpractice insurance.

  • Condos
  • Multiple Policy Types
  • Personal Property Insurance

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
​Abri ​Insurance
5107 North Rhett Avenue, North Charleston, SC 29405
Rowell Insurance Agency
3955 Rivers Avenue, North Charleston, SC 29405
Roe & Associates, Inc.
7089 Rivers Avenue, North Charleston, SC 29406
Ferguson Insurance Team
9229 University Boulevard, North Charleston, SC 29406
Alliance Insurance Services
824 Johnnie Dodds Boulevard, Mount Pleasant, SC 29464
Pinckney Carter Company
1956 Remount Road, North Charleston, SC 29406
Nick Wagner - State Farm Insurance Agent
2408 Ashley River Road, Charleston, SC 29414
Ai Insurance Services
3506 West Montague Avenue, Charleston, SC 29418
Brinson Insurance Agency
759 Folly Road, Charleston, SC 29412
PC&L Insurance Agency, Inc.
1064 Gardner Road, Charleston, SC 29407
Emily Adams - State Farm Insurance Agent
3575 Maybank Highway, Johns Island, SC 29455
KSA Insurance
1819 Meeting St Suite 100, 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.
  • How much does homeowners' insurance cost in North Charleston?

    The annual cost of homeowners' insurance in North Charleston amounts to $2,204 on average. The location, value, and age of the home are a few factors that affect premium rates within the city. The number of primary occupants living in the house and the policyholders' credit scores also have an impact on rates.

  • How long will North Charleston residents with houses that are considered uninhabitable be covered for additional living expenses?

    In many cases, additional living expense coverage can last for up to 24 months. This specific coverage provides financial support to North Charleston homeowners for food and temporary housing during the period of displacement. The duration of this coverage can vary based on the insurance policy and the specific circumstances of the claim.

  • Do you need to purchase a separate flood insurance policy in North Charleston if you already have homeowners' insurance?

    Yes. In North Charleston, a homeowners' insurance policy does not cover flood damage claims. Your residential property's specific physical location and flood history will determine the type of flood insurance you need, whether a standard flood insurance policy or a preferred risk flood insurance policy.

  • Which insurance provider offers the most affordable homeowners' insurance rates to South Carolina and North Charleston residents with low credit scores?

    Lighthouse Property offers the most affordable home insurance rates for homeowners in North Charleston and the rest of South Carolina with poor credit, with an average annual rate of $1,033. Insurance providers have observed that clients with lower credit scores tend to submit several claims for minor losses, such as a pipe leak. This tendency is a direct result of their inability to pay for these damages due to their credit rating.

  • What kind of homeowners’ insurance policy do you need if you live in an old home in North Charleston?

    If your residence is an older property in North Charleston, it is advisable to consider purchasing an HO-8 policy. This policy is suited for homes that require repairs or replacements exceeding their current market value. Additionally, it is intended for landmarks or locations of historical importance. Properties less than 40 years old usually do not fall under the coverage of this particular policy.

  • 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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