Car and home insurance in South Carolina has gotten harder to shop. Rates have climbed, some carriers have pulled back from writing homes, and the price you're quoted can swing a lot from one company to the next. That's where an independent agent earns their keep.

We're based in Lexington, and we help drivers and homeowners all over South Carolina, from the Upstate to the Midlands to the coast. Most of our clients never need to come into the office. We handle it by phone, text, email and online.

What an independent agent does differently

A captive agent works for one company and can only show you that company's price. We're independent, so we compare several carriers side by side and show you the real options. You pay the same premium either way, and you get someone in your corner when you have a question or a claim.

See all the auto and home coverage we write

Car insurance anywhere in South Carolina

We write car insurance for every kind of driver:

• Families and multi-car households, with discounts for bundling and multiple vehicles
• Teen drivers, where shopping carriers can make a big difference. Read: what adding a teen driver really costs
• SR-22 filings, where we find a carrier that will write the policy and file it with the SCDMV
• Motorcycles, boats and business vehicles

South Carolina's legal minimum is rarely enough if you own a home or have savings to protect. Here's why the state minimum can be a trap. If your rate jumped at renewal, read why auto insurance went up in South Carolina.

Home insurance across the state

Home insurance is where shopping matters most right now. We help with:

• Homeowners policies, set to what it would cost to rebuild your house
• Non-renewals: if your company dropped you, here's what to do in the next 30 days
• Wind and hail deductibles, which can mean thousands out of pocket after a storm. Learn what to check before storm season
• Flood insurance, which is never part of a homeowners policy. See why homes outside flood zones still flood
• Mobile and manufactured homes, which many big carriers won't write. Read about real coverage for manufactured homes
• Landlord and rental properties: do you need landlord insurance?
• Umbrella policies for extra liability protection. See why $1 million costs less than you think

If your premium went up this year, here's why home insurance is rising in South Carolina and what you can do about it.

Bundle your auto and home

Putting your car and home with the same carrier often brings a solid discount, but not always. We quote it both ways so you can see the real difference before you decide.

Three easy ways to get a quote

1. Fill out a quick quote form. Pick auto, home or a bundle: start your quote here.
2. Chat with our AI assistant, any time of day. It collects your details and sends them straight to Ben. Scroll to the bottom of our home page to start a chat.
3. Call or text Ben at 803-920-8827. We're open Monday through Saturday, 8 to 7.

Have your current declarations page handy, and we can usually quote in one conversation.

Common questions

Can you help me if I don't live in Lexington?
Yes. We're licensed statewide and help clients all over South Carolina by phone, text, email and online.

Does it cost more to use an independent agent?
No. Carriers pay us a commission, and your premium is the same as buying direct. You get side-by-side options and a local person to call.

My home insurance company non-renewed me. Can you still help?
Yes. We shop carriers that are still writing in your area. If needed, we can also help with the SC Wind and Hail Underwriting Association.

How long does a quote take?
Most auto and home quotes take 15 to 20 minutes once we have your information.