508A Highway 17 S · Surfside Beach, SC 29575
(843) 238-1416
Surfside Beach · Est. 1979
Moore & Associates is a locally owned Surfside Beach agency. We help coastal homeowners find coverage that fits how they actually live here.
Coverage
Tell us what you need protected. We compare carriers and put a policy in front of you that matches the risk and the budget.
Dwelling, contents, and the wind questions every barrier-island neighbor asks.
Daily drivers, second cars, and the liability limits that actually protect savings.
Separate from a homeowners policy. We help sort NFIP and private options.
Liability, property, workers’ compensation, and packages for Strand operators.
The agency
We live and work on the same stretch of coast you do. That is the difference. You reach a person in our office, not a script from out of state. Because we are independent, we can compare multiple markets instead of pushing one company's book.
Family-owned insurance agency protecting Surfside Beach / Grand Strand families and businesses since 1979.
Questions
What does homeowners insurance usually cost in Surfside Beach?Most inland-style quotes do not apply here. Price follows construction, distance to water, roof age, and the hurricane deductible you choose. Oceanfront and mapped flood zones usually price higher than inland homes.
Should Surfside Beach owners carry flood insurance?A homeowners policy does not pay flood or storm-surge damage. That takes a flood policy. Homes outside the mapped high-risk zones still flood.
What auto liability limits does South Carolina require?South Carolina’s required auto liability limits are 25/50/25. South Carolina also requires uninsured motorist coverage unless you sign a rejection.
What does a standard South Carolina homeowners policy pay for?A standard form is written for the building, personal property, liability, and extra living costs after a covered loss. Wind and hail are usually included. Flood is not.
How do Surfside Beach businesses start a commercial policy?Call the office or send the quote form. We ask what the business does, where it sits, and who works there, then compare commercial markets.
Next step
A licensed agent reviews what you send and follows up by phone or email.
Request a quote
