Expertise.com
2024

Last updated:

Best Homeowners Insurance Agencies in Mount Pleasant

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 Mount Pleasant 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.

60

Reviewed

41

Curated

14

Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
3003 Dunes West Boulevard, Mount Pleasant, SC 29466
  • Condos
  • Renter's Insurance
  • Home and Auto Insurance
  • Home and Auto Insurance
  • Renters
  • Condos
  • Home and Auto Insurance
  • Condos
  • Renters
  • Home and Auto Insurance

Why choose this provider?

HorizonFirst provides homeowners' insurance products to clients in Mount Pleasant and the surrounding areas. It caters to individuals who want to acquire protection for their mobile, primary, and secondary residential properties. The homeowners' insurance policy covers the damages of computer devices, antiques, jewelry, sporting equipment, and electronics due to home accidents. The firm also offers insurance products for life, disability, motorcycle, and boat. HorizonFirst was founded by Scott Labarowski, who has over 10 years of insurance experience.

License Verified:

License: 3001214010

South Carolina Department of Insurance

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 (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.
1.5
Responsiveness
Friendliness
––
Helpfulness
Detail
––

Website
2900 North Main Street, Moncks Corner, SC 29461
  • Multiple Carriers
  • Multiple Policy Types
  • Homeowners

Why choose this provider?

The agents at Schirmer Insurance Group provide a wide range of risk management solutions for individuals and businesses in Mount Pleasant, including home insurance. They furnish plans that cover liability protection, additional living expenses, home structures, and personal belongings. The insurance professionals access policies from different carriers such as Foremost and The Hartford in order to find suitable policies for clients. Schirmer Insurance Group, which also offers renters' and auto insurance, is licensed in Tennessee, Virginia, and North Carolina.

License Verified:

License: 1909328613

South Carolina Department of Insurance

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 (110)
Facebook
4.7 / 5 (16)

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

Website
PO Box 60218, North Charleston, SC 29419
  • Renter's Insurance
  • Condos
  • Multiple Policy Types
  • Homeowners

Why choose this provider?

Palmetto Insurance is a Charleston-based team of independent agents that serves Mount Pleasanton. It offers several products, including home insurance which covers condominiums and rental properties. The agency also provides protection plans for renters. Furthermore, it furnishes policies for owners of various vehicles, including cars, campers, trailers, motorcycles, and golf carts. Additionally, its team offers life insurance coverages and business insurance solutions, covering workers' compensation and general liability. Palmetto Insurance has been in service since 2005.

License Verified:

License: 1906253338

South Carolina Department of Insurance

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 (4)

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

Website
1275 Ben Sawyer Boulevard, Mount Pleasant, SC 29464
  • Renter's Insurance
  • Flood
  • Multiple Policy Types
  • Homeowners

Why choose this provider?

Field Insurance Agency has been serving clients in Mount Pleasant since 1968. It offers a wide range of products, including homeowners', renters', auto, flood, and personal umbrella insurance. The business also provides business insurance, which includes commercial property, professional liability, trucking, and workers' compensation insurance. It strives to help minimize the clients' exposure to risk by designing a personalized protection program. Field Insurance Agency works with an extensive network of carriers, including Foremost, Assurant, Progressive, and Homeowners of America.

License Verified:

License: 1901191968

South Carolina Department of Insurance

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.
4.6
Facebook
4.6 / 5 (72)
Google
5.0 / 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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
501 Wando Park Blvd suite 140-b, Mt. Pleasant, SC 29464
  • Multiple Policy Types
  • Personal Property Insurance

Why choose this provider?

Manning Insurance Services, LLC, is a premier coastal insurance agency helping families and businesses in Mount Pleasant. It offers a comprehensive homeowners' insurance policy that covers the dwelling, other structures, personal property, personal liability, and medical expenses. Valuable article coverage can also be included for jewelry, firearms, and antiques. Manning Insurance Services is committed to raising awareness to its clients about the risks of living in a coastal area. It also offers coastal home insurance and coastal condo insurance to residents in the community.

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 (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

Website
966 McCants Drive, Mount Pleasant, SC 29464
  • Renter's Insurance
  • Flood
  • Fire
  • Earthquake

Why choose this provider?

C.T. Lowndes & Company is an insurance company that works to address the home insurance needs of residents in the Mount Pleasant area. The agency helps clients financially protect their homes and belongings against damage-related costs driven by disasters such as floods, hurricanes, and earthquakes. C.T. Lowndes & Company also provides support for obtaining coverage options associated with vandalism and theft, personal liabilities, and mortgage loans. Established in 1850, C.T. Lowndes & Company operates as the oldest insurance agency in South Carolina.

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
4.9 / 5 (74)
Facebook
5.0 / 5 (4)
Yelp
3.0 / 5 (4)

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

Website
800 Johnnie Dodds Boulevard, Mount Pleasant, SC 29464
  • Condos
  • Renter's Insurance

Why choose this provider?

Gill Insurance of the Lowcountry operates three offices in South Carolina, including one in Mount Pleasant. The agency was established in 1961 to provide comprehensive insurance solutions in the community. As an independent insurance firm, it offers different coverage options on homeowners' insurance and auto insurance. It also acts as the clients' insurance advisor and works with them throughout the claim process. Gill Insurance of the Lowcountry is a local and family-owned business led by William Gill, a Rock Hill native and business administration graduate.

License Verified:

License: 2465596

South Carolina Department of Insurance

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 (28)
Facebook
5.0 / 5 (12)

Website
3015 Dunes West Boulevard, Mount Pleasant, SC 29466
  • Flood
  • Multiple Policy Types

Why choose this provider?

The Allen Insurance Agency, LLC serves Mount Pleasant and the surrounding areas. The agency has been in the business since 2007 and it is committed to providing personalized service to its clients. Offering homeowners' insurance, its team of insurance agents is trained to determine the appropriate policy that suits their needs and preferences. These agents help clients secure coverage that benefits them and puts them at ease. Clients may also opt to add auto insurance.

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 (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

Website
1501 Belle Isle Avenue, Mount Pleasant, SC 29464
  • Flood
  • Homeowners
  • Fire

Why choose this provider?

Home Insurance Agency is an independent company that offers risk management assistance for residents of Mount Pleasant. Its team furnishes home insurance plans that reimburse losses in case the policyholder's home becomes unhabitable or a guest obtains injuries at the policyholder's property. The insurance professionals from the company provide separate policies that cover flood damage. Company agents Daniel and James Bentson utilize their access to plans from various carriers, such as Chubb, Assurant, and Progressive, to customize coverages for homeowners.

License Verified:

License: 3001137505

South Carolina Department of Insurance

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 (47)
Facebook
5.0 / 5 (4)

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

Website
1067 Cliffwood Drive, Mount Pleasant, SC 29464
  • Renter's Insurance
  • Multiple Policy Types
  • Personal Property Insurance
  • Multiple Carriers
  • Flood
  • Earthquake
  • Condos

Why choose this provider?

1st Capital Insurance serves Mount Pleasant and the entire South Carolina with personal and business insurance coverages. It writes homeowners' insurance policies that can be customized to meet the clients' individual needs and risks. The policy covers the payment for the repair of the home or other structures on the property due to fire, theft, or other insured events. Also included in the coverages are loss of personal property, liability protection, medical expenses, and living expenses. 1st Capital Insurance represents many insurance 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.
4.4
Google
4.6 / 5 (10)
Yelp
2.0 / 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

Website
3044 North Highway 17, Mount Pleasant, SC 29466
  • Multiple Policy Types

Why choose this provider?

Tony Pope is a local State Farm insurance agent who serves Mount Pleasant and the neighboring cities of Georgetown, Hannah, and North Charleston. Among other products, he offers homeowners' insurance, which typically protects the policyholder's physical home and any personal belongings within it from losses caused by theft, fire, and most natural disasters. Pope has been a State Farm agent since 1990. His team is composed of 20 agents who are licensed to operate in Georgia and the two Carolinas.

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 (128)
Facebook
5.0 / 5 (51)
Yelp
4.0 / 5 (4)

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.
3.3
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
1407 Stuart Engals Boulevard, Mount Pleasant, SC 29464
  • Fire
  • Personal Property Insurance
  • Flood

Why choose this provider?

Since 1960, Mappus Insurance Agency Inc. has been offering coverage for clients in and nearby Mount Pleasant, South Carolina. The company's policy plans protect the house and its belongings by paying for repairs and replacement fees. It adjusts its spending limit to reflect the current cost of labor and materials. Clients can avail this when there is damage from storms, winds, and other natural disasters. They can also protect other parts of their property such as the fences and detached garages.

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 (494)
Facebook
4.7 / 5 (14)
Yelp
5.0 / 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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
2700 North Highway 17, Mount Pleasant, SC 29466
  • Homeowners

Why choose this provider?

South Carolina Farm Bureau Mutual Insurance Company caters to clients in Mount Pleasant and the surrounding areas. It specializes in providing homeowners, life, auto, umbrella, and commercial insurance. Its homeowners' insurance policy covers renter properties, condominiums, and mobile homes, providing coverage and liability protection in cases of fire, flood, and earthquake. One of its agents, Ashley Creel, is a Life Underwriter Training Council Fellow. He started his career in the company in 1998 and has managed different offices throughout the state.

License Verified:

License: 8328720

South Carolina Department of Insurance

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 (4)

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

Website
802 Coleman Boulevard, Mount Pleasant, SC 29464
  • Renter's Insurance

Why choose this provider?

Crosby Insurance Group is an independent insurance agency in Mount Pleasant that offers personal and commercial insurance solutions to residents of the metro. The company was formed in 1996 by Rick Crosby and its current form was established in 2008 after acquiring Summerville Insurance Group. It provides homeowners' insurance policies that protect policyholders and their dwellings against damages, vandalism, theft, losses, and natural disasters. It also offers specialized policies for waterfront properties and protection against floods.

License Verified:

License: 1727011

South Carolina Department of Insurance

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
4.5 / 5 (15)
Facebook
3.7 / 5 (3)
Yelp
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

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.
  • Does Mount Pleasant homeowners’ insurance cover hurricane damage?

    Most standard homeowners insurance policies in Mount Pleasant do not cover damage from flooding. Because of this, homeowners are advised to take out separate flooding coverage underwritten by the Federal Emergency Management Agency. Fortunately, Charleston County’s high FEMA rating entitles Mount Pleasant residents to a 20% discount on such policies.

  • What is the difference between market and replacement cost value in Mount Pleasant?

    Market value and replacement cost value are two different ways in which an insurer determines the amount of coverage one should have on their Mount Pleasant homeowners’ insurance policy. While market value is the selling cost of one’s home if it were on the real estate market, the replacement cost value is the amount needed to rebuild one’s home if it were destroyed.

  • What causes higher Mount Pleasant homeowners’ insurance costs?

    Because some of South Carolina’s largest insurers are leaving the state, residents of Mount Pleasant have found substantial increases in their homeowners’ insurance premiums. Other factors that contribute to such increases include inflation and the rising costs of housing materials, as well as more frequent climate catastrophes, especially in coastal areas.

  • How can Mount Pleasant residents save on homeowners’ insurance?

    Residents of Mount Pleasant may qualify for multi-policy discounts if they take out other forms of insurance, such as auto and life insurance, with their homeowners’ insurance provider. Installing home upgrades and protective devices such as smoke detectors, burglar alarms, and a sprinkler system may also lower one’s homeowners’ insurance premiums.

  • Can companies cancel Mount Pleasant homeowners’ insurance policies?

    Companies commonly cancel homeowners’ insurance policies in Mount Pleasant after an inspection, due to issues found such as a roof in poor condition or an ineligible pet. Policyholders who have misrepresented information on their application may also have their policy canceled or simply nonrenewed. South Carolina requires insurance providers to send policyholders a written notice 30 days prior to the cancellation or nonrenewal date.

  • 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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