When you purchase your home on Kiawah Island or Seabrook Island, everything is beautiful and sunny. Your excitement is soon dampened a bit when you start to sort through insurance for your home. Your trusted State Farm or Allstate agent wants nothing to do with your new home on the islands. Hopefully, this will help sort through the crazy world of insuring your new island home. Congratulations and welcome to heaven.
"We use Taylor's. We switched from Anderson to save a bundle."
"A pleasant experience will be hard to find get ready to open your wallet. We use Anderson Insurance who writes our Home Owners through Travelers."
"For any of you who are eligible, USAA has the lowest rates on almost all forms of insurance in SC Check the SC gov web site for comparisons. They are reliable, friendly, helpful, & send dividends in the good years. You must have had military stint, but I am not certain that it must be as an officer. If you have a parent who is a USAA member you can apply too, regardless of your ex military status. For excess insurance try Pinckney-Carter (529-3386)"
"Farm Bureau Insurance worked for us. Mel Clark, agent, was good to help us out. 843-766-3794. [melclark@scfbins.com]"
"We have a FABULOUS agent! (Wind & Hail) His name is Cameron McCutcheon w/ Hood &Hargett. . The best # to reach him is his cell: 704.608.8178. He lives in Charleston."
" I have all my insurance with USAA, but they no longer write Wind/Hail coverage. They told me that commercial coverage would be substantially less expensive than the SC Wind Pool."
"Check with Kimberly Cooper at CT Lowndes, tel. 875-2300. She and Walter Cuthbert have been providing us good service and alternatives for the past several years."(Wind & Hail).
"I also have my insurance with Henry Lowndes (843) 763-0120. They are have many options and always work to find the best coverage for the right price. Always great service."
"I use AIG which provides a package including wind/hail at lower cost than SC insurance pool. They allowed me to keep my USAA car insurance which is the best! Call-G Stelling @ 881-2229 if interested."
"call Seth Collins at Chartis 843-425-3474"
"Cameron McCutcheon with Hood Hargett and Associates
1 N Adgers Wharf
Charleston, SC 29401
Ph: (704) 608.8178
Fax: (704) 376.0184www.hoodhargett.com"
"We use Gerard Stelling at McKay, Stelling & Associates in Mt. Pleasant 881-2229. Gerard knows all the best coastal insurance carriers and works hard to get the best rates available. Tyler Bewley at C.T. Lowndes & Co. is also working hard for clients. Wind and hail insurance is the largest cost we have in owning a home on Kiawah Island."
"We use a wonderful guy. Cameron McCutcheon who lives in Charleston. His # is 704.608.8178 . We changed all of our insurance to him and he really saved us alot for the same coverages."
"We use Aydlette Insurance Agency 843-795-8111 and Archadian Risk Managers 843-4492491. You can check out their rates." This was for more interior insurance.
"AIG just got me great insurance rates, much better than current USAA!"
"John Brinson Agency has best rates in Chas. 762-2086."
"I have ours with Hartford, AARP. I found them competitive."
"I'm using Coastal Plains. Their rates have been very good and their service/responsiveness has been strong." "We've had excellent experience with them. They are really on top of things. We had a flood and they got the adjuster out within 24 hours."
"You will have to get a new hazard policy that excludes wind, storm and rain. Don't even waste your time trying to find a hazard policy that includes wind, storm. The last quote I receive was over $7,000. Therefore, you will also need a second policy issued from the state wind pool. This, of course, is in addition to the flood policy from the feds. Nationwide (Pam Nunley Agency) writes my beach hazard insurance and I believe they are writing new hazard policies on the beach.
Either can also write the wind pool coverage. So the trick is:
1.. Find a carrier (Allstate, Nationwide, Lloyds etc) that will write the hazard;
2.. The same agent should be able to write the state Wind Pool policy;
3.. Transfer your Flood to the same agent when it comes up for renewal so it's all with the same agent. This particular policy takes 15 days to go into effect so you do not want to wait until the last minute."
If you are a company listed as a recommendation and your contact information is incorrect or missing please leave a comment at the end of the page and your contact information will be corrected.
"We use Taylor's. We switched from Anderson to save a bundle."
"A pleasant experience will be hard to find get ready to open your wallet. We use Anderson Insurance who writes our Home Owners through Travelers."
"For any of you who are eligible, USAA has the lowest rates on almost all forms of insurance in SC Check the SC gov web site for comparisons. They are reliable, friendly, helpful, & send dividends in the good years. You must have had military stint, but I am not certain that it must be as an officer. If you have a parent who is a USAA member you can apply too, regardless of your ex military status. For excess insurance try Pinckney-Carter (529-3386)"
"Farm Bureau Insurance worked for us. Mel Clark, agent, was good to help us out. 843-766-3794. [melclark@scfbins.com]"
"We have a FABULOUS agent! (Wind & Hail) His name is Cameron McCutcheon w/ Hood &Hargett. . The best # to reach him is his cell: 704.608.8178. He lives in Charleston."
" I have all my insurance with USAA, but they no longer write Wind/Hail coverage. They told me that commercial coverage would be substantially less expensive than the SC Wind Pool."
"Check with Kimberly Cooper at CT Lowndes, tel. 875-2300. She and Walter Cuthbert have been providing us good service and alternatives for the past several years."(Wind & Hail).
"I also have my insurance with Henry Lowndes (843) 763-0120. They are have many options and always work to find the best coverage for the right price. Always great service."
"I use AIG which provides a package including wind/hail at lower cost than SC insurance pool. They allowed me to keep my USAA car insurance which is the best! Call-G Stelling @ 881-2229 if interested."
"call Seth Collins at Chartis 843-425-3474"
"Cameron McCutcheon with Hood Hargett and Associates
1 N Adgers Wharf
Charleston, SC 29401
Ph: (704) 608.8178
Fax: (704) 376.0184www.hoodhargett.com"
"We use Gerard Stelling at McKay, Stelling & Associates in Mt. Pleasant 881-2229. Gerard knows all the best coastal insurance carriers and works hard to get the best rates available. Tyler Bewley at C.T. Lowndes & Co. is also working hard for clients. Wind and hail insurance is the largest cost we have in owning a home on Kiawah Island."
"We use a wonderful guy. Cameron McCutcheon who lives in Charleston. His # is 704.608.8178 . We changed all of our insurance to him and he really saved us alot for the same coverages."
"We use Aydlette Insurance Agency 843-795-8111 and Archadian Risk Managers 843-4492491. You can check out their rates." This was for more interior insurance.
"AIG just got me great insurance rates, much better than current USAA!"
"John Brinson Agency has best rates in Chas. 762-2086."
"I have ours with Hartford, AARP. I found them competitive."
"I'm using Coastal Plains. Their rates have been very good and their service/responsiveness has been strong." "We've had excellent experience with them. They are really on top of things. We had a flood and they got the adjuster out within 24 hours."
"You will have to get a new hazard policy that excludes wind, storm and rain. Don't even waste your time trying to find a hazard policy that includes wind, storm. The last quote I receive was over $7,000. Therefore, you will also need a second policy issued from the state wind pool. This, of course, is in addition to the flood policy from the feds. Nationwide (Pam Nunley Agency) writes my beach hazard insurance and I believe they are writing new hazard policies on the beach.
Either can also write the wind pool coverage. So the trick is:
1.. Find a carrier (Allstate, Nationwide, Lloyds etc) that will write the hazard;
2.. The same agent should be able to write the state Wind Pool policy;
3.. Transfer your Flood to the same agent when it comes up for renewal so it's all with the same agent. This particular policy takes 15 days to go into effect so you do not want to wait until the last minute."
If you are a company listed as a recommendation and your contact information is incorrect or missing please leave a comment at the end of the page and your contact information will be corrected.
Try Robert Phelan at Coastal Plains ... phone 843.819.3304 or robert@coastalplains.com They have been insuring high-end coastal properties in SC for years. Robert was very knowledgeable and provided great service before during & afterwards. He has a very informative web-site at www.insurekiawah.com
ReplyDeleteOur Kiawah neighbor recommended Robert Phelan at Coastal Plains and he was very good. He saved us a bunch of money ..He has a pretty helpful website www.insurekiawah.com .. check see client testimonials section
ReplyDeleteRobert Phelan ... 843.819.3304 robert@coastalplains.com ... We're very satisfied customer.
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