Homeowners Insurance

Comprehensive homeowners coverage tailored for Charleston's historic homes, coastal properties, and modern construction alike.

Owning a home in the Lowcountry comes with rewards and risks that most insurers overlook. Harbor Point Insurance builds homeowners policies that account for Charleston's unique exposures, from wind-driven rain on historic piazzas to tree damage during tropical storms. We work with multiple carriers to ensure your dwelling, personal property, and liability coverage reflect the true replacement cost of your home. Whether you own a single-family residence south of Broad or a newer build in Mount Pleasant, our agents understand the construction types, building codes, and weather patterns that shape your coverage needs.

What's Included

Replacement cost dwelling coverage
Wind and hail protection
Historic home endorsements
Personal property and liability

Homeowners Insurance Service Areas

We provide homeowners insurance services across the Charleston area and Lowcountry.

Frequently Asked Questions

Does my homeowners policy cover flood damage?

No. Standard homeowners policies in South Carolina exclude flood damage entirely. Charleston properties, especially those in FEMA flood zones AE and VE, need a separate flood policy. We can bundle both for you.

How is the replacement cost of a historic Charleston home calculated?

Historic homes require specialized appraisals that account for original millwork, plaster walls, heart pine flooring, and other period materials. Standard calculators underestimate these costs, which is why we use heritage construction valuations.