Charleston has 154,338 residents in 68,027 households. We list 5 agencies for commercial property insurance in Charleston. Here is what the local numbers say about the cover people here need.

Charleston at a glance

5commercial property insurance agencies listed
44.4%of households rentRenters insurance
$509,700median home valueHome insurance
1995median year homes were builtRebuild cost calculator
7.2%of households have no carAuto insurance

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

Natural hazard risk in Charleston County

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

Coastal floodingVery High
Storm surge and tidal flooding count as flood, which most home policies exclude. It needs a separate flood policy.
Flood insurance
HurricaneVery 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 Charleston
EarthquakeRelatively High
Standard home policies do not cover earthquake damage. It is bought as a separate policy or added to a home policy.
Earthquake insurance
Ice stormRelatively High
LightningRelatively High
Fire and lightning are standard covered causes of loss on home policies.
Home insurance in Charleston

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 Charleston How much liability cover do you need?

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

Where Charleston agencies are

Charleston agencies we list sit in 4 ZIP codes, mostly in Charleston County.

294122 agencies
294011 agency
294031 agency
294141 agency

Questions

Commercial Property insurance in Charleston

All insurance agencies in Charleston · Commercial Property insurance across South Carolina

Where can I find commercial property insurance in Charleston?

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.

What does commercial property insurance cover?

Covers your building, stock, equipment and fit-out.

Do I need flood insurance in Charleston?

FEMA's National Risk Index rates coastal flooding risk in Charleston County as Very High 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.

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.

Nearby

Commercial Property insurance near Charleston

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