Level Up Your Protection with Harbor One Insurance

Smart, reliable coverage designed to protect what matters most — your family, assets, and future.

Let Harbor One take care of all your insurance needs

Protect your home, car, family, and business with coverage tailored to your needs. With offices in Mount Pleasant and Walterboro, Harbor One Insurance is a family-owned independent agency specializing in coastal insurance across Charleston, Myrtle Beach, Hilton Head Island, and surrounding communities. We also serve inland South Carolina, North Carolina, Georgia, Alabama, Florida, Virginia, and Texas, offering personal guidance wherever you call home.

Auto Insurance

We offer customized auto insurance coverage that protects you on the road while keeping your rates competitive.

Car Insurance

Boat Insurance

Off-Road Insurance

Motorcycle Insurance

RV Insurance

Classic Car Insurance

Property Insurance

Protect your home and valuable assets with comprehensive property insurance tailored to your specific needs.

Homeowners Insurance

Renters Insurance

Manufactured Home Insurance

Condominium Insurance

Rental Property Insurance

Business Insurance

Protect your business with comprehensive insurance solutions designed to safeguard your operations, assets, and future growth.

Business Owner’s Coverage

Commercial Umbrella Coverage

Contractor Coverage

Small Business Coverage

Commercial Auto Coverage

Workers Compensation Coverage

Surety & Fidelity Bond Coverage

Personal Insurance

Reliable protection that safeguards your income today and your loved ones tomorrow.

Life Insurance

Disability Insurance

Valuables & Collectibles

High value insurance designed to safeguard your prized possessions.

Stamps & Coins

Jewelry

Trading Cards

Art

Weapons

Other Valuables

Our Process

A clear, step-by-step approach designed to keep everything transparent and efficient.

Get Assigned to a Dedicated Service Representative

01

02

Comprehensive Review of Current Needs and Policies

Tailored Coverage & Seamless Implementation

03

Ongoing 1-on-1 support & Policy Reviews

04 what our customers are saying:

“Hannah was thorough and patient as she explained my policies, the changes from my prior policies, and the differences in premiums, as well as why she recommended the coverages she quoted. She answered all my questions and was very helpful and thoughtful in her replies to me.”

– Mike R

“Josh and Eve lowered my premium by $1,000/month. They were quick in analyzing my current policy and explaining exactly how and why I could save money working with them. Highly recommend!”

– Geordie M

“This experience has been so great! I walked in and had an insurance policy within 10 minutes after struggling with so many companies. I can’t say enough good things!”

– Elizabeth P

“We enjoy supporting local companies, including Harbor One Insurance. We’re very pleased with their competitive prices and excellent customer service. For us it was a win-win situation!”

– Joan R

What our customers are saying

Top rated

Based on 328 reviews

Mike R

"Hannah was thorough and patient as she explained my policies, the changes from my prior policies, and the differences in premiums, as well as why she recommended the coverages she quoted. She answered all my questions and was very helpful and thoughtful in her replies to me. Much appreciated!"

Marissa A

I just finished adding another policy to my account with Harbor One and I've been genuinely happy with the old school approach to dealing with clientele and great rates they provide. I can always get someone to answer the phone and actually provide a competitive rate. Thank you Ryan Dabbs for the most recent transaction - keep up the good work!

Joseph B

Harbor One Insurance has helped me tremendously with my insurance needs. They were fast, efficient, and the best part was they saved me money!

Joan R

We enjoy supporting local companies, including Harbor One Insurance. We're very pleased with their competitive prices and excellent customer service. For us, it was a win-win situation!

Elizabeth P

This experience has been so great! I walked in and had an insurance policy within 10 minutes after struggling with so many companies. They're great!

Tabatha Y

Ashley Ellis was professional and prompt when assisting me in getting a lower rate for my car insurance!

Paul D

Sierra is absolutely wonderful to work with! She is always friendly, professional, and goes above and beyond to make sure everything is taken care of. Highly recommend Sierra and the team at Harbor One Insurance!

Got Questions?

Meet Breaker, Harbor One’s virtual assistant! He is available 24/7 to answer any questions you may have and to help you set a meeting with our team. Click the message bubble in the bottom right corner to get started chatting with Breaker.