Myrtle Beach Insurance Agency For Home, Condo & Coastal Coverage

Homeowners insurance in Myrtle Beach typically costs $1,500 to $3,500 annually, though rates vary based on your home's value, location, age, and proximity to the coast. Properties closer to the ocean or in high-risk flood zones often pay higher premiums. Factors like your roof condition, hurricane deductible selection, and claims history also affect your rate. Moore & Associates compares quotes from multiple carriers to help you find the best coverage at competitive rates.

Yes, flood insurance is strongly recommended for Myrtle Beach property owners. Standard homeowners insurance does not cover flood damage, including damage from storm surge, heavy rainfall, and rising water. If you have a mortgage on a property in a high-risk flood zone, flood insurance is required by your lender. Even properties outside high-risk zones experience flooding. There is a 30-day waiting period for coverage to take effect, so purchasing before hurricane season is essential.

South Carolina requires minimum auto insurance liability limits of 25/50/25, which means $25,000 bodily injury per person, $50,000 bodily injury per accident, and $25,000 property damage per accident. Uninsured motorist coverage is also required unless you reject it in writing. While these minimums satisfy legal requirements, most Myrtle Beach drivers should carry higher limits to adequately protect their assets, especially given South Carolina's high rate of uninsured drivers.

Homeowners insurance in South Carolina typically covers your dwelling, personal property, liability, and additional living expenses if your home becomes uninhabitable. Most policies cover damage from fire, wind, hail, theft, and vandalism. However, standard policies exclude flood damage and may have separate hurricane deductibles. Coastal homeowners in Myrtle Beach should review their wind coverage and consider adding flood insurance to fully protect their property from storm-related damage.

To get business insurance in Myrtle Beach, contact an independent insurance agent like Moore & Associates who can assess your specific risks and compare coverage options from multiple carriers. Most businesses need general liability insurance, commercial property coverage, and workers compensation if you have employees. Depending on your industry, you may also need professional liability, commercial auto, or specialized coverage. An independent agent helps you build a customized policy that protects your business without paying for coverage you do not need.