Protecting Charleston's Homes and Families
Harbor Point Insurance has protected Charleston-area homes, families, and businesses since 2008. Our 8 licensed agents specialize in coastal coverage, flood insurance, and the unique risks that come...
- Independent agency, 8 licensed agents
- Coastal & flood coverage specialists
- Trusted since 2008
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Get personalized coverage options within one business day.
Why Harbor Point
Charleston's trusted independent insurance agency since 2008.
Coastal Expertise
We understand the Lowcountry's unique risks, from hurricane exposure and tidal flooding to historic home valuations. Your coverage reflects where you actually live.
Competitive Rates
As an independent agency, we shop multiple top-rated carriers to find you the right coverage at the right price. No captive carrier limitations.
Claims Advocacy
When you file a claim, we work on your behalf. Our agents guide you through the process and advocate with the carrier to ensure a fair outcome.
Coverage Options
Choose the level of protection that fits your needs.
Essential
Core protection for your home and family
- Dwelling coverage
- Personal property
- Liability protection
- Loss of use
Preferred
Our most popular comprehensive package
- Everything in Essential
- Flood coverage
- Extended replacement cost
- Identity theft protection
- Equipment breakdown
Premier
Maximum protection with premium benefits
- Everything in Preferred
- Guaranteed replacement cost
- Umbrella liability
- Scheduled valuables
- Water backup coverage
- Hurricane deductible buyback
Our Coverage Types
Comprehensive insurance solutions for Charleston homes, families, and businesses.
Homeowners Insurance
Comprehensive homeowners coverage tailored for Charleston's historic homes, coastal properties, and modern construction alike.
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Auto Insurance
Auto coverage built around Charleston's roads, bridges, and commuting patterns, with competitive rates from top-rated carriers.
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Flood Insurance
Specialized flood coverage for one of the most flood-prone regions in the country, through NFIP and private carriers.
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Commercial Insurance
Protect your Charleston business with coverage designed for the Lowcountry's commercial landscape, from King Street retail to industrial operations.
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Life Insurance
Term and permanent life insurance to protect your family's financial future, with guidance from agents who take the time to listen.
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Umbrella Insurance
An extra layer of liability protection above your home and auto policies, essential for families with assets to protect.
Learn more →What Our Clients Say
Hear from Charleston families and businesses we protect.
“After Hurricane Ian rattled everyone's nerves, we called Harbor Point to review our coverage. They found gaps in our flood policy we didn't know existed and got us properly covered before the next season. Worth every minute.”
“We bought a 1920s single house south of Broad and needed an agent who understood historic home valuations. Harbor Point nailed it. Our replacement cost reflects what it would actually take to rebuild with period-appropriate materials.”
“They saved us over $800 a year by re-shopping our auto policies and bundling with our homeowners. Same coverage, better carriers, and one agent who handles everything.”
Areas We Serve
Licensed insurance agents serving 10 communities across the Charleston Lowcountry.
