Insurance Agencies on Hilton Head Island
The insurance agencies with offices on Hilton Head Island, from Sea Pines Circle to Shelter Cove, and how wind and flood cover work on the coast.
The Island Agencies, South to North
Five agencies write home, flood, auto and business insurance from offices on the island. Four are at the south end around Sea Pines Circle and Bow Circle, and one is mid-island at Shelter Cove.
17 Executive Park Rd, Hilton Head Island, SC 29928
An independent agency writing homeowners, flood, condo and renters policies, plus auto, boat, Medicare and life cover for island residents.
55 New Orleans Rd Ste 203, Hilton Head Island, SC 29928
A family-owned brokerage that places home, auto, boat, business and flood policies with more than 25 carriers. Open weekdays 8 to 5.
2 Palmetto Bay Rd #200, Hilton Head Island, SC 29928
Private-client cover for homes, cars, collections and umbrella policies, along with business insurance and employee benefits. Weekdays 8:30 to 5.
15 Bow Cir Ste 101, Hilton Head Island, SC 29928
An independent agency on the island since 1984: flood, health and Medicare plans, life cover and business policies for contractors and nonprofits.
23A Shelter Cove Ln, Hilton Head Island, SC 29928
An independent agency with home, auto and business policies and group health, dental and vision plans for employers. Open weekdays 9 to 5.
Wind and Hail Cover on the Coast
Some private insurers leave wind and hail out of homeowners policies near the ocean. For those homes, South Carolina runs the South Carolina Wind and Hail Underwriting Association, known as the wind pool. It covers the coastal area of five counties, and in Beaufort County that means everything east of the Intracoastal Waterway, which takes in all of Hilton Head Island. A home must meet building codes and flood-zone rules to qualify. Island agents can say whether a policy includes wind or needs a separate wind pool policy.
Flood Insurance on Hilton Head Island
Most homeowners policies do not cover flooding. Flood cover is a separate policy, either through the National Flood Insurance Program, which FEMA runs, or from a private flood insurer. A new National Flood Insurance Program policy usually takes 30 days to start, so it cannot be bought once a storm is on the way. Storm season itself is covered on hurricanes on Hilton Head.
Business Insurance and Employee Benefits
Kinghorn Insurance Agency and Windermere Insurance Group both have employee benefits teams for group health, dental and vision plans. Correll writes business policies for contractors and nonprofits, and Hilton Head Insurance & Brokerage places business cover alongside home and auto. For banking near these offices, see banks on Hilton Head.
Frequently Asked Questions
Which insurance agencies have offices on Hilton Head Island?
Callen Insurance Services (Executive Park Road), Hilton Head Insurance & Brokerage (New Orleans Road), Windermere Insurance Group (Palmetto Bay Road), Correll Insurance Group of Hilton Head (Bow Circle) and Kinghorn Insurance Agency (Shelter Cove Lane).
Does homeowners insurance cover flooding on Hilton Head?
Most homeowners policies do not. Flood cover is a separate policy from the National Flood Insurance Program or a private flood insurer, and a new National Flood Insurance Program policy usually takes 30 days to start.
What is the South Carolina wind pool?
The South Carolina Wind and Hail Underwriting Association writes wind and hail cover for coastal homes. In Beaufort County its area is everything east of the Intracoastal Waterway, which includes all of Hilton Head Island.
Keep exploring
Plastic and cosmetic surgeons on Hilton Head and in Bluffton: breast implants and reductions, liposuction, tummy tucks, Botox and fillers.
Okatie Pines Retirement Community in Okatie: independent living with meals, housekeeping, utilities and transport in one monthly rent, no buy-in.
The World Affairs Council of Hilton Head: Friday speaker series at First Presbyterian Church from October to May, discussion groups and how to attend.
United Way of the Lowcountry serves Hilton Head and Bluffton: the HELPLINE and 211, free tax help, reading programs and grants to local nonprofits.
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