Bluffton SC Insurance Agencies: Home, Auto, Business and Medicare
Who sells home, flood, auto, boat, business and Medicare insurance in Bluffton, with the state rules that apply.
For home and auto in Bluffton, try Hilton Head Insurance & Brokerage, Coastal Haven, Brightway’s BDIM Agency or Carolina Heritage. HUB International and Kinghorn write business policies, and May River Medicare Insurance handles Medicare. Allstate and GEICO agents write only their own company’s policies.
Updated
Bluffton Facts for Insurance
- Homeowners
- About 8 in 10 homes inside the town limits are lived in by their owners (as of 2024), so most households here carry their own home policy.
- Newer homes
- About 6 in 10 homes inside the town limits were built in 2010 or later, with a median year built of 2012 (as of 2024).
- Hurricane season
- June 1 to November 30. A new flood policy usually takes 30 days to start, so it can’t be bought the week a storm forms.
- Flood cover
- Most homeowners policies leave out flood. It is a separate policy from the National Flood Insurance Program or a private insurer.
- Car insurance minimums
- South Carolina requires liability limits of $25,000 for one person hurt, $50,000 for two or more, and $25,000 for property damage.
- Workers’ compensation
- State law covers employers with four or more employees.
- Medicare enrollment
- Plan changes for next year can be made October 15 to December 7.
Home and Auto Insurance Agencies in Bluffton
How we chose these: insurance agencies with an office in Bluffton, a long record of customer reviews and a listing that says what they write. Each card lists the facts you can check, including where the office is; the stars open a summary of what customers say.
14 Westbury Park Way Ste 200, Bluffton, SC 29910
Phone: (843) 252-0840
A family-owned brokerage that places home, auto, boat, business and flood policies, with a second office on the island.
Why it’s listed: Reviewers describe account managers who walk through a policy at renewal, answer questions quickly and lay out several home options with the pros and cons of each.
- Where:
- Westbury Park Way, 0.8 mi from Belfair Towne Village and 2.8 mi from Old Town
- Also writes:
- Boat, business and flood policies
40 Pennington Dr Unit E, Bluffton, SC 29910
Phone: (843) 507-5072
A local agency on Pennington Drive that shops homeowners coverage, including for villas.
Why it’s listed: Reviewers say quotes from the big names came in higher, and describe a lower price and a better deductible than their old policy, an agent who answered within a short time and a new villa insured.
- Where:
- Pennington Dr, 0.4 mi from Belfair Towne Village and 2.0 mi from Old Town
102 Buckwalter Pkwy Ste 3Z, Bluffton, SC 29910
Phone: (843) 480-9933
A Brightway agency whose page lists homeowners, auto, umbrella and flood insurance, with flood written through the National Flood Insurance Program. Open weekdays 8:30 to 5.
Why it’s listed: Reviewers describe an owner who keeps them informed of policy changes, prepares homeowners policies year after year and explains them step by step.
- Where:
- Buckwalter Pkwy, 1.0 mi from Buckwalter Place and 2.3 mi from Sun City
- Hours:
- Monday to Friday, 8:30 to 5
198 Okatie Village Dr #102, Bluffton, SC 29909
Phone: (843) 689-3030
An agency with more than 270 customer reviews that compares quotes from several carriers.
Why it’s listed: Reviewers describe premiums cut by more than $1,000, two quotes within minutes of the first call and options offered when prices went up. A real estate agent recommends the office to clients.
- Where:
- Okatie Village Dr, 0.5 mi from Sun City and 1.7 mi from the USCB Bluffton campus
4 Thurmond Way, Bluffton, SC 29910
Phone: (843) 837-3911
An independent agency with home, auto and business policies and group health, dental and vision plans for employers.
Why it’s listed: Reviewers describe an agent who handles a company’s commercial coverage and renewals and a team that does the group benefits each year.
- Where:
- Thurmond Way, 0.6 mi from Old Town and 1.7 mi from Belfair Towne Village
- Also:
- An island office at Shelter Cove
Car Insurance Agents in Bluffton
75 Towne Dr Unit 102, Bluffton, SC 29910
Phone: (843) 507-9888
An Allstate agency, so it writes Allstate policies only. Reviewers mention homeowners, auto and life cover.
Why it’s listed: Reviewers describe households that have kept homeowners and auto policies there since moving to South Carolina. Some report short phone service and a slow wait for an auto declarations page.
- Where:
- Towne Dr in Belfair Towne Village, 2.3 mi from Old Town
- Writes:
- Allstate policies only
63 Towne Dr, Bluffton, SC 29910
Phone: (843) 949-6130
A GEICO agent with an office in Belfair Towne Village, so it writes GEICO policies only. Reviewers mention auto and boat cover.
Why it’s listed: Reviewers describe boat coverage recommended before a trip abroad and an adjuster arranged afterward, and premium reviews done by email. Two say promised follow-up did not happen.
- Where:
- Towne Dr in Belfair Towne Village, 2.4 mi from Old Town
- Writes:
- GEICO policies only
25 Bluffton Rd Ste 603, Bluffton, SC 29910
Phone: (843) 815-3775
The AAA auto club’s office for the Hilton Head area is in Bluffton. Call to ask which insurance policies it writes.
Why it’s listed: Reviewers describe an office team that greets customers right away, an international driving permit handled in about 15 minutes and roadside help that arrived within 15 minutes. Others report a long wait for a tow.
- Where:
- Bluffton Rd, 1.0 mi from Belfair Towne Village and 1.5 mi from Old Town
Business Insurance Agencies in Bluffton
1160 Fording Island Rd, Bluffton, SC 29910
Phone: (843) 837-8000
Its office page lists professional liability, workers’ compensation, business owners, commercial property and general liability policies, personal umbrella cover and employee benefits. Open weekdays 8:30 to 5.
Why it’s listed: Reviewers describe agents they have worked with for 15 years, account managers who answer policy questions promptly and help with unexpected needs.
- Where:
- Fording Island Rd, 1.6 mi from Old Town and 1.8 mi from Belfair Towne Village
- Hours:
- Monday to Friday, 8:30 to 5
Medicare and Health Insurance in Bluffton
7 Hickory Trace, Bluffton, SC 29910
Phone: (843) 227-6725
An independent Medicare agency for supplement, Advantage and drug plans.
Why it’s listed: Reviewers describe an agent who helped them enroll in Part B after retiring, explained why a Medicare Supplement Plan N fit better than an Advantage plan and made no hard sell.
- Where:
- Hickory Trace, 0.2 mi from Old Town and 0.4 mi from Oyster Factory Park
Insurance Agencies Serving Hardeeville and Ridgeland
149 Riverwalk Blvd Suite 19, Ridgeland, SC 29936
Phone: (843) 547-0434
An Allstate agency in Ridgeland, so it writes Allstate policies only. Reviewers mention auto and property cover.
Why it’s listed: Reviewers describe an agent who reviewed their policies, explained them clearly and found a lower price without cutting coverage. A real estate agent says the team’s communication keeps their clients happy.
- Where:
- Riverwalk Blvd in Ridgeland, 2.3 mi from Sun City
- Writes:
- Allstate policies only
Home Insurance in Bluffton: Wind, Hail and Flood
A Bluffton homeowners policy usually covers the house, your belongings and liability. It usually leaves out flood, which is a separate policy: from the National Flood Insurance Program, which FEMA runs, or from a private insurer. A new National Flood Insurance Program policy usually takes 30 days to start, so it is a policy to have before hurricane season starts on June 1, not after a storm forms. Brightway’s BDIM Agency and Hilton Head Insurance & Brokerage both list flood among the policies they write. For where water collects, see flooding on the island and in the Lowcountry.
Coastal wind and hail are the other split. South Carolina’s Wind and Hail Underwriting Association writes wind and hail cover for coastal homes, and its Beaufort County area is defined in state law as east of the west bank of the Intracoastal Waterway, which takes in all of Hilton Head Island. Whether a given Bluffton address falls inside that line is a question for an agent or the association. The island side of the same rules is on wind insurance and flood insurance on Hilton Head.
Boats and golf carts are usually separate policies too. Hilton Head Insurance & Brokerage lists boat cover, and a GEICO reviewer describes boat coverage recommended before a trip abroad that was there when a boat problem came up. See golf cart insurance for carts.
Car Insurance in Bluffton: What South Carolina Requires
State law sets the minimum liability limits on a South Carolina auto policy at $25,000 for one person hurt in an accident, $50,000 for two or more people, and $25,000 for damage to someone else’s property. Those are floors; an insurer can sell more. Allstate and GEICO agents, like Steve Helwig, Landon Papay and Jon Butler, write only their own company’s policies. An independent agency such as Coastal Haven, Carolina Heritage or Hilton Head Insurance & Brokerage can quote several companies.
Business Insurance in Bluffton
A Bluffton business policy usually starts from general liability and commercial property, often sold together as a business owners policy for small and mid-size companies. HUB International’s Bluffton office lists professional liability, workers’ compensation, business owners, commercial property and general liability. Kinghorn Insurance Agency and Hilton Head Insurance & Brokerage also write business policies, and a Kinghorn reviewer describes liability cover worked out for a small business.
Workers’ compensation is required by state law for employers with four or more employees. Group health, dental and vision plans for employees come from the benefits side of an agency: Kinghorn lists them, and HUB lists employee benefits. Starting out? The town’s business license and permit offices are on Bluffton town government.
Renters Insurance in Bluffton
A renters policy covers your belongings and your liability inside the rental, not the building, which the landlord insures. A landlord can ask for proof of renters insurance in the lease. Renters can also buy contents-only flood cover through the National Flood Insurance Program, since a standard renters policy leaves flood out. Looking for a place? See Bluffton apartments for rent.
Health and Medicare Insurance in Bluffton
Most working Bluffton households get health insurance through an employer: Kinghorn and HUB both list group benefits for the employer’s side. Medicare is the other large piece in a town with Sun City in it. May River Medicare Insurance, in Old Town, helps with Medicare Supplement, Advantage and drug plans, and reviewers describe help with Part B enrollment after retiring.
Two Medicare windows matter. Plan changes for next year can be made from October 15 to December 7, which is open now. The first time you enroll, the Initial Enrollment Period runs for seven months around your 65th birthday month. For the plans themselves, see Medicare on Hilton Head and Medicare supplement plans in South Carolina. Planning ahead for retirement more broadly? Bluffton financial advisors are one page over.
Insurance Companies Serving Hardeeville, Ridgeland and Okatie
Landon Papay’s Allstate office is based in Ridgeland, 2.3 miles from Sun City, and reviewers describe auto and property policies there. Carolina Heritage Insurance lists its office on Okatie Village Drive, near Okatie. This page lists no office in Hardeeville; the Bluffton offices above are the nearest, so ask whichever one you call whether it writes there.
Which Insurance Office to Call
Home and flood: an independent agency that can quote several companies. Car only: an Allstate or GEICO agent, or an independent. Business and employee benefits: HUB International or Kinghorn. Medicare: May River Medicare Insurance. Questions about an insurer’s license or a complaint go to the South Carolina Department of Insurance, which regulates the companies and agents that sell here. The island’s agencies are on Hilton Head insurance, and everything else for the town is on Bluffton.
Frequently Asked Questions
What are the best insurance agencies in Bluffton, SC?
For home and auto, Hilton Head Insurance & Brokerage, Coastal Haven Insurance, Brightway’s BDIM Agency and Carolina Heritage Insurance each rate 5 stars across 25 to 272 reviews. For business, HUB International and Kinghorn Insurance Agency; for Medicare, May River Medicare Insurance.
Who sells homeowners insurance in Bluffton?
Hilton Head Insurance & Brokerage on Westbury Park Way, Coastal Haven Insurance on Pennington Drive, Brightway’s BDIM Agency on Buckwalter Parkway, Carolina Heritage Insurance on Okatie Village Drive and Kinghorn Insurance Agency on Thurmond Way, plus the Allstate agency on Towne Drive.
Does homeowners insurance cover flooding in Bluffton?
Most homeowners policies do not. Flood cover is a separate policy from the National Flood Insurance Program or a private insurer, and a new National Flood Insurance Program policy usually takes 30 days to start. Brightway’s BDIM Agency and Hilton Head Insurance & Brokerage both list flood.
How much car insurance does South Carolina require?
Liability limits of $25,000 for one person hurt, $50,000 for two or more, and $25,000 for property damage. Allstate agents Steve Helwig and Landon Papay, GEICO agent Jon Butler and the independent agencies on this page all write auto policies.
Who writes business insurance in Bluffton?
HUB International on Fording Island Road lists professional liability, workers’ compensation, business owners, commercial property and general liability. Kinghorn Insurance Agency and Hilton Head Insurance & Brokerage also write business policies.
Do I need renters insurance in Bluffton?
State law does not require it, but many landlords ask for it in the lease. It covers your belongings and liability, not the building, and it leaves out flood unless you add a National Flood Insurance Program contents policy.
Where can I get health insurance or Medicare help in Bluffton?
May River Medicare Insurance in Old Town helps with Medicare Supplement, Advantage and drug plans. For employer plans, Kinghorn Insurance Agency and HUB International list group benefits. Medicare plan changes run October 15 to December 7.
Who sells life insurance in Bluffton, SC?
Steve Helwig & Associates, an Allstate agency on Towne Drive, is an Allstate agency; reviewers mention life cover, including help changing a beneficiary. Kinghorn Insurance Agency lists group benefits for employers. Ask any office on this page whether it writes individual life cover.
Is there car insurance near Ridgeland, Hardeeville or Okatie?
Landon Papay’s Allstate office is in Ridgeland, and Carolina Heritage Insurance lists an office on Okatie Village Drive. Hardeeville has no office on this page; ask a Bluffton agency whether it writes there.
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