Personal & Family Insurance

Your home is likely your most valuable asset. We help South Carolina homeowners compare real coverage — not just price — across the carriers we represent.

Car insurance covers far more than your car. We compare carriers so you have the right liability limits and South Carolina-required coverages — at no extra cost.

Homeowners insurance does not cover flood. We help Lowcountry homeowners compare NFIP and private flood policies — before the typical waiting period applies.

An HO-6 policy covers your unit where your association's insurance stops — interior finishes, belongings, and liability. We help you read the by-laws.

A standalone liability layer above your home and auto policies. It steps in when a big claim exceeds your underlying limits — protecting your assets.

Protect your belongings and your liability for a small premium — coverage applies even away from home. Bundle with auto or umbrella for discounts.

The policy that works when standard homeowners won't — for rental, vacant, seasonal, older, or hard-to-insure homes. We represent several specialty carriers.

Coverage built specifically for mobile and manufactured homes — including the structure, detached buildings, belongings, liability, and living expenses.

Concierge-level service and fully customizable coverage for high-value homes, autos, and private collections — not a standard policy with riders bolted on.

Homeowners policies don't cover earthquakes. A standalone policy protects your home's structure from an often-overlooked but costly coverage gap.

Dedicated coverage for your vessel, motor, equipment, and liability — built for recreational boaters, not bolted onto a homeowners policy.

Coverage for the full range of bikes — street, cruiser, touring, classic, and more. It works much like auto insurance, and we shop carriers for you.

Coverage for motorhomes, travel trailers, campers, and horse trailers — with flexible liability, settlement, and roadside options. We compare carriers.

Specialized coverage for ATVs and off-road vehicles — similar to motorcycle insurance, tailored for off-road use. We compare several carriers.

Specialized coverage built for collector vehicles — distinct from standard auto insurance. We compare classic-car carriers to protect your investment.

An affordable way to protect the people who depend on you. We compare term and whole life across multiple insurers and right-size the coverage.

Protects your income if illness or injury keeps you from working. We translate the confusing terms so you can choose the right short- or long-term coverage.

Plan ahead for care costs — a leading cause of retirement bankruptcy. We evaluate traditional LTC and newer, flexible funding options so you can retire confident.

Guidance through individual, family, and group plan options — and the deductible, co-insurance, and exclusion variables that drive what you actually pay.

Independent, unbiased guidance for seniors across Medicare, long term care, and prescription coverage — so you avoid costly, hard-to-undo mistakes.

Independent, unbiased Medicare guidance — Supplement vs. Advantage, Part D, enrollment timing, and avoiding penalties — consolidated through one local office.

Objective, independent advice comparing Original Medicare and Medicare Advantage (Part C) — including the pros, cons, and rules — so you choose with confidence.

Coverage for the gaps Original Medicare leaves under its 80/20 cost sharing. We compare Medigap plans across carriers so you don't overpay out of pocket.

Independent help choosing a Part D plan — and reviewing your formulary each year at open enrollment, since plans change pricing and coverage annually.

Protects your trip from the unexpected — cancellations, illness or injury, mandatory evacuations, and supplier defaults — for domestic or international travel.

Affordable protection for the one element couples overlook — deposits, cancellations, special jewelry, gifts, and liability for your big day.

Peace of mind that unexpected vet bills for illness or injury are covered — so cost never forces you to choose between your budget and your pet's care.