Insurance is an investment into your future. In the uncertain times in which we live, insuring your life, home, business, or assets provides you with financial security against the unexpected. At Hilton Head Insurance and Brokerage, we offer affordable insurance options to residents of Beaufort County, SC, and surrounding communities.

Our years of training and experience in the insurance industry make us a top contender in this field. Working with our agency enables you to benefit from our wealth of insurance expertise.

Our full-service, family-owned agency represents many of the top insurance carriers in the industry to provide you with the customized services you need.

Here are some of the ways we serve our local community:

Property Insurance

Home ownership is a rewarding experience. At the same time, it comes with its share of responsibilities. As one of your most valuable assets, you’ll want to protect your property against unforeseen events that can lead to financial loss. The right homeowner’s insurance will safeguard your home and personal belongings against damage or loss as well as protect your assets against liability claims that may arise due to accidents on your property.

At Hilton Head Insurance and Brokerage, we offer the following homeowner’s coverage:

  • Homeowners/Secondary Homeowners Coverage
  • Renter’s Insurance
  • Condo & Townhouse Insurance
  • Personal Liability Coverage
  • Personal Umbrella Policy

Auto Insurance

Auto insurance is a must, regardless of the type of vehicle you own. In fact, liability coverage is required in South Carolina by law to cover the cost of injury and loss of property of other drivers in accidents you cause. A well-rounded auto policy will include coverage for injuries you may sustain in an accident as well as damage to your vehicle due to a collision, fire, animal strike, or inclement weather. You can also receive compensation for replacing your vehicle in the event it’s stolen.

Our auto policies cover the following vehicles:

  • Cars/Classic Cars
  • Trucks
  • RVs & Motorhomes
  • Motorcycles & ATVs
  • Golf Carts
  • Trailers

Flood Insurance

Although flooding can occur almost anywhere, Beaufort, SC, has a greater risk of flooding due to its proximity to tidal rivers of the islands that extend along the eastern coast of the state. As a home or business owner in Beaufort, you can protect yourself against the devastating damage that floods can cause by purchasing flood insurance. Flood damage caused by storm surges, rising rivers, hurricanes, or tropical storms isn’t covered by regular homeowner or renter’s insurance policies. That’s why flood coverage is so important. Flood insurance will compensate you for damage to your home, business, and personal belongings due to flooding events, so you can recover quickly from this disaster and carry on with your life.

Business Insurance

Business insurance isn’t one size fits all. At Hilton Head Insurance and Brokerage, we tailor our business policies to suit your unique business needs. We’ll help you identify and assess the coverage your business needs, taking into consideration the type of business you own, the location and condition of your business property, your business assets, inventory, and equipment, and the risks of your particular industry. This information enables us to recommend the most appropriate coverage for your firm as well as the best carriers to meet your insurance needs.

We currently offer the following coverage for businesses in our local community:

  • Business Liability
  • Business Property
  • Commercial Auto
  • Workers Compensation
  • Cyber & Privacy Liability
  • Employment Practices Liability

Boat Insurance

Although boat insurance isn’t a requirement in South Carolina, it’s wise to have this coverage to protect your valuable investment. Through boat insurance, you can protect your watercraft against damage caused by water accidents, storms, fire, and other catastrophic events. You can also receive coverage for theft, water towing, fuel spills, and any other protection you deem necessary for your property. As boating accidents pose a risk of injuries, your policy should also include medical and property liability coverage to pay for injuries and property damage to other boaters in accidents you cause. We can discuss boat insurance options with you to ensure you get the policy best suited to your lifestyle.

Health Insurance

With medical costs at an all-time high, health insurance is essential to protecting your health and welfare and that of your family. Working with an independent insurance agency like Hilton Head Insurance and Brokerage gives you greater options in choosing health coverage as well as health insurance providers. The right health plan will adequately cover your medical needs to make it easier to manage your healthcare costs. As the topic of health insurance can be complex, we recommend working with one of our agents to help you navigate through health coverage options and guide you to affordable plans that provide adequate protection for you and your family.

Life Insurance

Life insurance plays an important role in your financial portfolio. It provides financial security for your family in the event of your untimely demise. If you’re the main breadwinner in your family, your unexpected departure can have dire consequences on your family’s future. The funds provided by a life insurance policy can help your family carry on after you’re gone. Life insurance payouts can be used to pay off your mortgage, cover daily expenses, pay for your children’s education, fund a business, pay off debts, and more. You can have peace of mind knowing that your family has the financial support they need for the future. At Hilton Head Insurance and Brokerage, we can help you make good life insurance choices with customized coverage conducive to your family’s financial needs.

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