The things that matter to you, matter to us.
Home, auto, flood, and more — shopped across 20+ top-rated carriers by a local, independent agency that treats you like a neighbor, not a number.
Coverage for every part of life
One agency. All your insurance.
From the roof over your head to the boat at the dock, we've got the Lowcountry covered.
Homeowners
Protect your home, belongings, and liability with coverage built around how you actually live.
Learn moreRenters
Affordable protection for your belongings and liability — even when you don't own the walls.
Learn moreCondo
HO-6 coverage that fills the gaps your HOA master policy leaves behind.
Learn moreFlood
Living in the Lowcountry means flood risk is real — standard policies don't cover it. We do.
Learn moreAuto
Liability, collision, and full coverage shopped across carriers to fit your budget.
Learn moreBoat & Watercraft
From bay boats to jet skis, get on the water knowing you're covered.
Learn moreMotorcycle
Coverage for cruisers, sport bikes, and everything in between.
Learn moreWhy Carolina Property
Insurance should feel personal again.
We started this agency on a simple belief: you deserve an advisor who shops the whole market for you, explains your coverage in plain English, and answers when you call. That's independent insurance, done the Lowcountry way.
Meet the teamWe shop, you save
As an independent agency we compare 20+ top-rated carriers to find your best coverage and price — not just one company's quote.
Local & personal
We live and work in the Lowcountry. You get a real person who knows our coast, our risks, and your name.
Coverage done right
We make sure you're actually protected — wind, flood, and the gaps most people don't find out about until a claim.
Fast & responsive
Quotes in minutes, claims support within the hour. When you need us, we pick up the phone.
Bundle & Save
Combine policies. Keep more of your money.
Pairing your home and auto — or adding flood, boat, or an umbrella — can unlock multi-policy discounts and simplify your life with one trusted point of contact.
See how much you could saveWhat our clients say
Rated 4.9★ across 326 reviews
Real neighbors, real coverage, real service. Here's what the Lowcountry says about us.
“Allison Shaw proactively reached out to share information, which was a huge help to us. As we are in the midst of buying a home, which already includes lots of logistical details, it was really nice to have that approach. Working with Allison has been super simple and easy with informative emails and detailed yet easy to follow instructions. She’s also very professional and pleasant to work with!”
“Mary Beth took care of all my insurance needs. She shopped and found me the best rates. Best agent I’ve ever had by far! Would highly recommend!”
“I worked with Micah to obtain insurance for my new home purchase. I was quite surprised that the process was simple and straightforward and offered a competitive rate. I highly recommend Carolina Property Insurance for your insurance needs.”
“Allison Shaw has provided outstanding customer service and support in helping me secure both homeowners and auto insurance. I’m in the process of making a big move and she has been especially kind, supportive and patient throughout the process. Many thanks!!”
“Searched for new insurance venue and was told about Carolina Property Insurance. Spoke to Allison about my needs and she responded promptly with a new policy for me. I got the coverage I needed at a very reasonable cost. I highly recommended Allison and Carolina Property Insurance.”
Trusted carriers
We shop the companies you know
Because we're independent, we compare top-rated national and regional carriers to match you with the right policy.
Carrier availability varies by location and eligibility.
Ready for coverage that actually fits?
Get a free, no-obligation quote in minutes. We shop 20+ carriers so you don't have to.