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Best Homeowners Insurance Agencies in Charleston

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A & A Insurance logo
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A & A Insurance

1525 Sam Rittenberg Boulevard, Charleston, SC 29407
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  • Fire

Business Description

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.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (58)
Facebook
5.0 / 5 (12)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
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Anderson Insurance Associates logo
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Anderson Insurance Associates

3491 Shelby Ray Court, Charleston, SC 29414
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  • Flood
  • Multiple Policy Types

Business Description

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.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (74)
Facebook
4.3 / 5 (6)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
Friendliness
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Detail
––
Brinson Insurance Agency logo
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Brinson Insurance Agency

759-C Folly Road, Charleston, SC 29412
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  • Renter's Insurance
  • Multiple Policy Types
  • Flood

Business Description

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.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.3
Google
4.3 / 5 (12)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
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Detail
C.T. Lowndes & Company logo
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C.T. Lowndes & Company

749 Saint Andrews Boulevard, Charleston, SC 29407
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  • Fire
  • Multiple Policy Types

Business Description

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.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Google
4.8 / 5 (84)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Carolina Heritage Insurance logo
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Carolina Heritage Insurance

1156 Bowman Rd Suite 202, Mt. Pleasant, SC 29464
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  • Flood
  • Multiple Policy Types

Business Description

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.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Yelp
4.5 / 5 (5)
Facebook
5.0 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Cliff Heath Insurance logo
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Cliff Heath Insurance

1531 Sam Rittenberg Boulevard, Charleston, SC 29407
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  • Renter's Insurance
  • Multiple Policy Types
  • Flood
  • Condos

Business Description

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.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (17)
Facebook
5.0 / 5 (5)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Crescent Insurance Advisers logo
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Crescent Insurance Advisers

635 East Bay Street, Charleston, SC 29403
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  • Fire
  • Multiple Policy Types
  • Flood

Business Description

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.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (19)
Facebook
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Dunes Insurance logo
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Dunes Insurance

520 Folly Rd 15, Charleston, SC 29412
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  • Multiple Policy Types

Business Description

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.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (31)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Harrell Insurance Agency logo
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Harrell Insurance Agency

2000 Sam Rittenberg Boulevard, Charleston, SC 29407
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  • Fire
  • Multiple Policy Types
  • Multiple Carriers
  • Flood

Business Description

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.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.3
Google
4.2 / 5 (30)
Facebook
5.0 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
KSA Insurance logo
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KSA Insurance

1819 Meeting Street, Charleston, SC 29405
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  • Condos
  • Multiple Policy Types
  • Flood
  • Fire

Business Description

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.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
4.9 / 5 (205)
Facebook
5.0 / 5 (75)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Rowell Insurance Agency logo
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Rowell Insurance Agency

3955 Rivers Avenue, North Charleston, SC 29405
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  • Multiple Policy Types

Business Description

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.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.4
Google
4.4 / 5 (39)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
South Carolina Coastal Insurance Agency logo
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South Carolina Coastal Insurance Agency

709 Long Point Road, Mount Pleasant, SC 29464
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  • Fire
  • Flood
  • Multiple Policy Types
  • Personal Property Insurance
  • Multiple Carriers

Business Description

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.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (4)
Google
5.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Taylor Agency logo
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Taylor Agency

147 Wappoo Creek Drive, Charleston, SC 29412
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  • Multiple Policy Types

Business Description

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.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
4.7 / 5 (14)
Facebook
5.0 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Triest Agency logo
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Triest Agency

1052 Gardner Road, Charleston, SC 29407
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  • Personal Property Insurance

Business Description

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.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
4.8 / 5 (58)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Back to Providers

Frequently Asked Questions

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.

Do new buyers need owner\'s title insurance on a new home?

There are unique risks that a buyer of a new home may face. For example, property claims from previous owners or liens from suppliers whom the homebuilders never paid during construction. Title insurance protects the home from these perils, and your mortgage lender may require it.

Do owner builders need home warranty insurance?

In the United States, owner builders are not required to have home warranty insurance. If you're the one who built your home, you're expected to incur the costs of repairs yourself if a structure or appliance breaks down.

Are dogs deaths covered in homeowners insurance?

Usually, the loss of a dog or other pet is not covered by your home insurance. However, many insurance providers offer riders — packages of added coverage — for pets called pet insurance. This ensures that medical costs and property damage caused by your pets are fully covered.

Are earthquakes covered in standard homeowners insurance policies?

Standard homeowners' insurance policies do not cover damage directly caused by earthquakes. Insurance will sometimes cover indirect damage, however. For example, if an earthquake causes a fire in your home, damage from the fire will be covered under a standard home insurance policy.

Are homeowners insurance and car insurance deductible?

Homeowners' insurance and car insurance premiums are not deductible as personal expenses on your taxes. However, some percentage of your premiums may be deductible as business expenses if you own a business and use your car and home for business purposes. This may vary between states.

Are homeowners insurance payouts taxable income?

If you file a claim after a burglary at your home, for example, the insurance company will assess the value of the property lost or damaged and reimburse that amount. This payout is not taxable because it's not income — it's a replacement of lost value.

How frequent should one change auto or homeowners insurance to another provider?  

If you find home and auto insurance policies that you're happy with, you may never want to switch. However, various providers offer different combinations of coverage and price, so you may want to assess all your options every few years.

What should a homeowners insurance include/cover?

A homeowners' insurance policy should cover the dwelling, personal property inside and some outside, other structures on the property, and liability. For example, it should cover medical bills if a guest sustains an injury. Not all of these coverages are included in every policy.

How much homeowners insurance should someone carry?

How much insurance you need depends on the size of your home, its age, and other unique factors. Standard insurance policies cover around 70% of the total value of your home and additional covered property. Most policies that offer premises liability include $100,000 in liability coverage.

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