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Best Homeowners Insurance Agencies in North Charleston

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​Abri ​Insurance logo
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​Abri ​Insurance

5107 North Rhett Avenue, North Charleston, SC 29405
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  • Flood
  • Personal Property Insurance

Business Description

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.

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 (17)
Facebook
5.0 / 5 (9)

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
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Ai Insurance Services logo
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Ai Insurance Services

3506 West Montague Avenue, Charleston, SC 29418
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  • Multiple Carriers
  • Multiple Policy Types

Business Description

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.

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 (24)

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
Alliance Insurance Services logo
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Alliance Insurance Services

824 Johnnie Dodds Boulevard, Mount Pleasant, SC 29464
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  • Multiple Policy Types
  • Condos

Business Description

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.

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 (23)

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
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Brinson Insurance Agency logo
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Brinson Insurance Agency

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

Business Description

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.

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
Friendliness
Helpfulness
Detail
Emily Adams - State Farm Insurance Agent logo
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Emily Adams - State Farm Insurance Agent

3575 Maybank Highway, Johns Island, SC 29455
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  • Personal Property Insurance

Business Description

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.

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 (66)
Facebook
4.8 / 5 (23)
Yelp
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
Ferguson Insurance Team logo
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Ferguson Insurance Team

9229 University Boulevard, North Charleston, SC 29406
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  • Multiple Policy Types

Business Description

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.

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 (98)
Facebook
4.4 / 5 (7)

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 St Suite 100, Charleston, SC 29405
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  • Condos
  • Multiple Policy Types
  • Personal Property Insurance
  • Flood

Business Description

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.

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 (297)
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
Nick Wagner - State Farm Insurance Agent logo
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Nick Wagner - State Farm Insurance Agent

2408 Ashley River Road, Charleston, SC 29414
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  • Personal Property Insurance
  • Multiple Policy Types

Business Description

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.

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
4.2 / 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
PC&L Insurance Agency, Inc. logo
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PC&L Insurance Agency, Inc.

1064 Gardner Road, Charleston, SC 29407
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  • Multiple Carriers
  • Multiple Policy Types

Business Description

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.

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.
4.0
Google
4.0 / 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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Pinckney Carter Company logo
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Pinckney Carter Company

1956 Remount Road, North Charleston, SC 29406
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  • Renter's Insurance
  • Flood

Business Description

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.

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 (86)
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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Roe & Associates, Inc. logo
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Roe & Associates, Inc.

7089 Rivers Avenue, North Charleston, SC 29406
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  • Multiple Policy Types

Business Description

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.

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.
3.9
Google
3.9 / 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.
4.0
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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  • Renter's Insurance
  • Personal Property Insurance
  • Flood

Business Description

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.

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

Business Description

Triest Agency is a full-service insurance agency that has offered a variety of insurance services to customers in North Charleston and the surrounding islands since 1903. It works with top insurance carriers to provide home insurance policies that meet the needs of existing or new homeowners. The agency has business insurance plans to protect companies from property losses due to fire, windstorms, theft, and other risks. Triest Agency also provides insurance coverage for earthquakes, floods, automobiles, and traveling.

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 (60)

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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