The top-rated flood insurance agent in Charleston, South Carolina is Harrell Insurance Agency, rated 4.9 stars across 266 reviews. Other highly rated options include Pilothouse Insurance, C. T. Lowndes & Company, Taylor Agency. This directory lists 12 flood insurance agents serving Charleston.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Harrell Insurance Agency | 2000 Sam Rittenberg Blvd #124 | (843) 572-1500 |
| 2 | Pilothouse Insurance | 1527 Sam Rittenberg Blvd | (843) 766-1318 |
| 3 | C. T. Lowndes & Company | 749 St Andrews Blvd | (843) 763-0120 |
| 4 | Taylor Agency | 147 Wappoo Creek Dr #502 | (843) 762-1805 |
| 5 | A & A Insurance | 1525 Sam Rittenberg Blvd | (843) 571-5060 |
| 6 | Covenant Insurance Group LLC | 1032 Savannah Hwy | (843) 795-0189 |
| 7 | Bridge Insurance | 7 Gamecock Ave Suite 706 | (843) 974-5150 |
| 8 | Anderson Insurance Associates | 3491 Shelby Ray Ct | (843) 763-7525 |
| 9 | Dunes Insurance | 656 Ellis Oak Ave Suite 112 | (843) 737-6236 |
| 10 | Cliff Heath Insurance Inc | 1531 Sam Rittenberg Blvd | (843) 766-6316 |
Harrell Insurance Agency serves the Charleston, South Carolina metro area as a flood insurance agent. The company assists property owners in navigating the complex requirements for flood coverage in this coastal region. Because flood risks are significant near the coast, securing appropriate protection is a critical financial decision. The agency helps clients understand their policy options for residential and commercial properties. It handles flood zone insurance evaluations and the placement of National Flood Insurance Program policies.
Pilothouse Insurance offers risk assessment, policy procurement, and claims assistance for flood insurance in the Charleston, SC area. The agency helps clients evaluate their exposure to rising water and storm surge, then secures appropriate federal or private coverage. It provides annual policy reviews and can guide property owners through plan updates after significant storms or FEMA map revisions. The company services a variety of property types, including single-family homes, apartments, retail storefronts, and restaurants.
Homeowners, businesses, and property managers in Mount Pleasant turn to C. T. Lowndes & Company for flood insurance coverage. Situated in a coastal flood zone, this agency assists clients in navigating National Flood Insurance Program policies and private market alternatives to protect their assets from water damage. Its services include risk assessment for residential and commercial structures, as well as claims support following storm events. The agency also extends its professional guidance to neighboring communities throughout the Charleston metropolitan area.
Taylor Agency serves homeowners, businesses, and property managers throughout Charleston, SC, by assessing flood exposure and securing appropriate coverage to meet lender and personal protection requirements. The agency guides clients through complex flood maps and policy options to ensure financial safety against rising water. Understanding hurricane and storm surge risks in coastal areas is central to its daily work. The agency also extends its services to the neighboring community of Mount Pleasant, offering the same comprehensive guidance for flood insurance decisions there.
A & A Insurance serves clients in Charleston, South Carolina, and the surrounding coastal communities. The agency handles personal and commercial flood insurance policies, helping property owners secure coverage against rising water and storm surge. It focuses on explaining policy details and flood zone ratings to ensure each client understands their protection. For a typical job, the agency gathers property information, reviews flood maps, and presents suitable coverage options from its available carriers.
Homeowners in Charleston, SC seeking flood coverage can choose between a one-time policy for a specific property or recurring service that annually reviews their evolving needs. Coverage typically protects the building structure and its contents against rising water damage from storms or tidal surges. As a flood insurance agent, Covenant Insurance Group LLC helps clients secure policies from the National Flood Insurance Program, ensuring appropriate limits. Their service is available on a scheduled basis, typically renewed yearly to maintain continuous protection.
Bridge Insurance specializes in helping coastal and low-lying property owners secure flood coverage that aligns with federal requirements and local risk assessments. The agency serves the Charleston, SC area, guiding homeowners and businesses through policy options and claim processes for flood-related damage. Its team reviews individual flood zone maps and elevation details to tailor appropriate plans. Before each hurricane season or after a major storm event, the agency assists clients in updating their policies to reflect changing flood risks and recent property improvements.
Coastal weather can bring sudden storms to the Charleston area, making property flood risk a pressing concern for local homeowners and business owners. Anderson Insurance Associates serves this need by explaining different flood insurance policies and the coverage each provides. Their staff clarifies how elevation, storm frequency, and evacuation zones affect individual plans. Clients receive clear guidance on local requirements and optional enhancements to protect their assets. The company begins its process by scheduling a thorough on-site inspection of the property to assess vulnerability and recommend appropriate policy options.
Dunes Insurance serves residential property owners in Charleston with flood coverage tailored to local needs. They also offer policies for commercial buildings and renters requiring protection against rising water. Their service area includes Charleston and the surrounding coastal communities vulnerable to storm surge and heavy rainfall. Dunes Insurance helps clients understand flood maps and policy options before the seasonal storm threats arrive. They follow up promptly after policies are issued and provide repeat service for annual renewals between regular visits.
What Does a a Flood Insurance Agent in Charleston Cost?
Typical flood insurance costs in Charleston South Carolina range from 700 to 4000 annually for NFIP policies depending on flood zone elevation and deductible. Private market policies may cost 500 to 3000 per year but vary by risk. Elevation certificates cost 150 to 500 and can affect premiums. This is general information not insurance advice.
About flood insurance agents in Charleston
Flood insurance agents in Charleston South Carolina help property owners secure coverage through the National Flood Insurance Program and private insurers. South Carolina law requires flood insurance for properties in high-risk flood zones that have a federally backed mortgage. Agents in Charleston understand local flood maps and elevation certificates specific to the coastal area.
Frequently Asked Questions
Do I need flood insurance in Charleston South Carolina?
If your property is in a Special Flood Hazard Area and you have a federally backed mortgage, your lender will require flood insurance. Even outside high-risk zones, agents often recommend coverage because Charleston experiences heavy rain and storm surge.
What does a flood insurance agent in Charleston do?
A flood insurance agent helps you assess your flood risk, compare NFIP and private policy options, and complete the application. They also assist with elevation certificate requirements and explain waiting periods which are typically 30 days for NFIP policies.
How much does flood insurance cost in Charleston South Carolina?
Costs vary based on flood zone elevation and building characteristics. NFIP rates in Charleston can range from around 700 to over 3000 per year for standard policies. Private insurers may offer different pricing for higher coverage limits.
Flood Insurance Agents in Other South Carolina Cities
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