Insurance for Charleston, SC

Independent coverage for the Charleston area

GSP Insurance Group is an independent agency rooted in the South Carolina Lowcountry, and we help families and businesses across the greater Charleston area — Mount Pleasant, West Ashley, James Island, Daniel Island, Summerville, and the barrier islands. Because we're independent, we shop multiple carriers on your behalf rather than selling one company's product, which matters most exactly where Charleston sits: on the coast, where a home's roof age, elevation, and distance to water can swing both price and who will even write the policy.

What Charleston homeowners should know

Insuring a home on or near the peninsula and the barrier islands is different from insuring one inland. A few things we walk every Charleston-area client through:

• Named-storm & wind/hail deductibles are typically a percentage of your dwelling limit, not a flat dollar amount — so a hurricane claim can carry a far larger out-of-pocket cost than a standard deductible. It's worth knowing yours before storm season.
• Flood is separate. Homeowners policies exclude rising-water and tidal flood, and much of the Charleston area — from downtown to the marsh-front neighborhoods — floods outside of hurricanes too. Most homes need a standalone flood policy alongside their homeowners coverage.
• Historic and older homes south of Broad and throughout the peninsula often cost more to rebuild than to buy, and carriers treat older roofs and wiring carefully — the right carrier and the right replacement-cost basis make a real difference.
• Higher-value coastal homes in Mount Pleasant, Daniel Island, Kiawah, Seabrook, Sullivan's Island, and Isle of Palms frequently need specialized high net worth coverage.

Business coverage in the Charleston area

Charleston's businesses — hospitality and restaurants, contractors, professional offices, and coastal property owners — rely on independent agents to place coverage that fits real operations. We help with general liability, workers compensation, commercial property, and commercial packages tailored to how your business runs.

Areas we serve near Charleston

We serve clients across the Charleston metro and down through the Lowcountry, including Beaufort, Hilton Head Island, and Bluffton, where our office is based. Wherever you are on the coast, we'll shop the market and match you to coverage that holds up when it counts.