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Best Homeowners Insurance Agencies in Mount Pleasant

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1st Capital Insurance logo
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1st Capital Insurance

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

Business Description

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.
4.6
Google
4.6 / 5 (10)

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

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

Business Description

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.
4.7
Google
4.9 / 5 (74)
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
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Detail
Crosby logo
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License Verified:

License: 1727011

South Carolina Department of Insurance

Crosby

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

Business Description

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)

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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Helpfulness
Detail
Field Insurance Agency logo
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License Verified:

License: 1901191968

South Carolina Department of Insurance

Field Insurance Agency

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

Business Description

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.
4.5
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
Gill Insurance of the Lowcountry logo
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License Verified:

License: 2465596

South Carolina Department of Insurance

Gill Insurance of the Lowcountry

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

Business Description

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)
Home Insurance Agency logo
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License Verified:

License: 3001137505

South Carolina Department of Insurance

Home Insurance Agency

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

Business Description

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)

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
HorizonFirst logo
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License Verified:

License: 3001214010

South Carolina Department of Insurance

HorizonFirst

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

Business Description

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 (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.
3.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Manning Insurance Services logo
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Manning Insurance Services

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

Business Description

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
Mappus Insurance Agency Inc. logo
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Mappus Insurance Agency Inc.

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

Business Description

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)

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
Palmetto Insurance logo
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License Verified:

License: 1906253338

South Carolina Department of Insurance

Palmetto Insurance

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

Business Description

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 (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
Schirmer Insurance Group logo
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License Verified:

License: 1909328613

South Carolina Department of Insurance

Schirmer Insurance Group

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

Business Description

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.
4.9
Google
4.9 / 5 (81)

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 Farm Bureau Mutual Insurance Company logo
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License Verified:

License: 8328720

South Carolina Department of Insurance

South Carolina Farm Bureau Mutual Insurance Company

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

Business Description

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
The Allen Insurance Agency, LLC logo
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The Allen Insurance Agency, LLC

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

Business Description

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
Tony Pope - State Farm Insurance Agent logo
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Tony Pope - State Farm Insurance Agent

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

Business Description

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)

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
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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