Insurance agencies · South Carolina

Insurance Agencies in Florence, SC

Local agencies in Florence for home, auto, life and business insurance. Compare them and call one directly.

Local insight

Insuring a home, car or business in Florence

Florence has 40,408 residents in 16,413 households. We list 12 insurance agencies in Florence. Here is what the local numbers say about the cover people here need.

Florence at a glance

Population and housing figures: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates. Agency count: our listings.

Natural hazard risk in Florence County

FEMA rates the overall natural hazard risk in Florence County, where most Florence agencies we list are located, as Relatively Moderate compared with other U.S. counties. The hazards it rates highest:

  • HurricaneRelatively High

    Home policies that cover wind often carry a separate hurricane deductible, set as a percentage of the home’s insured value (typically 1% to 5%). Flooding from the storm needs a flood policy.

    Home insurance in South Carolina
  • TornadoRelatively High

    Tornado damage is wind damage. Ask whether a policy includes windstorm cover and what its wind deductible is.

    Home insurance in South Carolina
  • Ice stormRelatively High
  • LightningRelatively High

    Fire and lightning are standard covered causes of loss on home policies.

    Home insurance in South Carolina

Source: FEMA National Risk Index, December 2025 release. Ratings compare each county with all other U.S. counties.

Car insurance rules in South Carolina

South Carolina requires drivers to carry at least $25,000 of bodily injury liability per person, $50,000 per accident and $25,000 of property damage liability, often written 25/50/25. It also requires uninsured motorist coverage ($25,000 per person, $50,000 per accident) and uninsured motorist property damage coverage ($25,000).

These are legal minimums, not a recommendation: a serious crash can cost far more, and anything above your limits is yours to pay.

Auto insurance in South CarolinaHow much liability cover do you need?

Source: scstatehouse.gov. Checked 2026-10-24.

Where Florence agencies are

Florence agencies we list sit in 3 ZIP codes, mostly in Florence County.

  • 295019 agencies
  • 295052 agencies
  • 295061 agency

Questions

Insurance agencies in Florence

How do I find an insurance agency in Florence?

Browse the agencies on this page, search by name, or pick the insurance you need in the filters to see only the agencies that offer it.

Do I need flood insurance in Florence?

FEMA's National Risk Index rates inland flooding risk in Florence County as Relatively Moderate compared with other U.S. counties. Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.

Do I need renters insurance in Florence?

41.6% of households in Florence rent, according to the Census Bureau's American Community Survey. A landlord's policy covers the building, not your belongings or your liability; renters insurance covers those.

How do I choose an agency?

Call two or three. Ask which companies they can quote for you, how they handle claims, and who you will deal with after you buy. An independent agency can compare several insurers in one call.

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Agencies near Florence

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