Answers to common insurance questions from Harbor One Insurance in Mount Pleasant and Walterboro, SC. Call (843) 782-4040 for a free quote.
Do you have offices in Mount Pleasant and Walterboro?
Yes. We are at 250 Mathis Ferry Rd, Suite 200, Mount Pleasant, SC 29464, and 1259 Bells Hwy, Walterboro, SC 29488. Both offices can be reached at (843) 782-4040.
What areas do you serve?
We serve Mount Pleasant, Charleston, Walterboro, Colleton County and the rest of the Lowcountry in person, and clients across South Carolina, including Myrtle Beach and the Grand Strand, by phone and online.
Does homeowners insurance cover flooding?
No. Standard homeowners policies exclude flood damage. You need a separate flood policy, either through the National Flood Insurance Program (NFIP) or a private flood insurer.
Do I need flood insurance if I’m not in a high-risk flood zone?
It is strongly recommended. Many flood claims in the Lowcountry come from homes outside high-risk zones, and coverage in lower-risk zones is often affordable.
What is the difference between NFIP and private flood insurance?
NFIP is backed by FEMA and caps building coverage at $250,000 and contents at $100,000, usually with a 30-day wait. Private flood can offer higher limits and shorter waiting periods depending on the carrier. We quote both.
What is the SC Wind Pool?
The South Carolina Wind and Hail Underwriting Association is the state’s insurer of last resort for wind and hail coverage in certain coastal areas when regular carriers exclude it. We check whether your property qualifies and pair it with your homeowners policy.
How do hurricane deductibles work in South Carolina?
Many coastal policies have a separate hurricane or named-storm deductible, usually a percentage of your dwelling coverage such as 2% or 5%, instead of a flat dollar amount. On a $400,000 home, a 2% deductible means you pay the first $8,000 of a hurricane claim.
Can I lower my wind or hurricane premium?
Often, yes. Roof upgrades, hurricane straps, impact-rated windows or shutters and other wind mitigation features may qualify for discounts. Ask us to review your home’s features.
Can I save by bundling home and auto insurance?
Usually. Most carriers give a multi-policy discount when you insure your home and vehicles together. Because we are independent, we compare bundled and separate options across several carriers to find the best overall price.
Why use an independent agency instead of calling an insurance company directly?
An independent agency works for you, not for one insurer. We shop multiple carriers, explain the differences, re-check your coverage at renewal and help when you file a claim.