Moore & Associates is a family-owned insurance agency in Surfside Beach, SC, specializing in homeowners and coastal home insurance. Since 1979, we've protected South Carolina families.
Whether you're covering your home, your business, or something in between — we'll find the right policy from the right carrier at the right price.
Get Personalized InsuranceFor over four decades, we've been more than just an insurance agency — we're your neighbors. Here's what sets us apart from the rest.
Since 1979, we've protected families and businesses across South Carolina including Surfside Beach, North Myrtle Beach, Myrtle Beach, and Conway. Our local experience means smarter coverage tailored to the risks you actually face here.
We're not tied to a single insurance company. That freedom lets us shop dozens of carriers to find you the best coverage at the best price. We are your trusted advisors that find you the right policy, and fight for you when you have a claim.
When you call, you won't get a robot or a call center halfway across the country. You'll reach a real person in our local office who knows your name and is ready to help. We'll be here today, tomorrow, and whenever you need us.
Don't just take our word for it. See why Surfside Beach families trust Moore & Associates with their home, auto, and more for generations.
"They shopped multiple carriers and found us better coastal coverage than we had for years — and saved us money. Local and responsive."
"After a storm claim, their team walked us through every step. Having a local agent who knows the Grand Strand made all the difference."
"Business insurance was confusing until Moore explained our options clearly. We got the right package for our restaurant without overpaying."
"We've been clients for over a decade. Honest advice, fair pricing, and they always answer the phone."
Let's fix that. Our team will walk you through your options, shop the top carriers, and find coverage that actually fits your life, without the pressure or the jargon.
Need Assistance Immediately? Many visitors turn to this section when they require support outside regular hours.
Helpful guides, seasonal reminders, and insider knowledge to keep you protected — straight from the Moore & Associates team.
Learn what a business owners policy covers in South Carolina, what it costs, and how local businesses on the Grand Strand can get the right BOP coverage.
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There is no single hurricane policy — wind and flood work together. Here's what coastal homeowners need to know before storm season.
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Flood insurance is not included in standard homeowners policies. Learn what drives cost in SC and where to buy coverage in 2026.
Read more →Homeowners insurance in Surfside Beach typically costs $1,500 to $3,500 annually, though rates vary based on your home's value, location, age, and proximity to the coast. Properties closer to the ocean or in high-risk flood zones often pay higher premiums. Factors like your roof condition, hurricane deductible selection, and claims history also affect your rate. Moore & Associates compares quotes from multiple carriers to help you find the best coverage at competitive rates.
Yes, flood insurance is strongly recommended for Surfside Beach property owners. Standard homeowners insurance does not cover flood damage, including damage from storm surge, heavy rainfall, and rising water. If you have a mortgage on a property in a high-risk flood zone, flood insurance is required by your lender. Even properties outside high-risk zones experience flooding. There is a 30-day waiting period for coverage to take effect, so purchasing before hurricane season is essential.
South Carolina requires minimum auto insurance liability limits of 25/50/25 — $25,000 bodily injury per person, $50,000 bodily injury per accident, and $25,000 property damage per accident. Uninsured motorist coverage is also required unless you reject it in writing. While these minimums satisfy legal requirements, most Surfside Beach drivers should carry higher limits to adequately protect their assets.
Homeowners insurance in South Carolina typically covers your dwelling, personal property, liability, and additional living expenses if your home becomes uninhabitable. Most policies cover damage from fire, wind, hail, theft, and vandalism. Standard policies exclude flood damage and may have separate hurricane deductibles. Coastal homeowners should review wind coverage and consider flood insurance for full storm protection.
Contact an independent agent like Moore & Associates who can assess your risks and compare options from multiple carriers. Most businesses need general liability, commercial property, and workers compensation if you have employees. Depending on your industry, you may also need professional liability, commercial auto, or specialized coverage. An independent agent helps you build a customized policy without paying for coverage you don't need.
