Brown, Moore & Endler, LLC
5182 Horry Dr, Unit A, Murrells Inlet, SC 29576
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Murrells Inlet households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
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5182 Horry Dr, Unit A, Murrells Inlet, SC 29576
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12303 Highway 707, Murrells Inlet, SC 29576
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11945 Grandhaven Dr, Ste H, Murrells Inlet, SC 29576
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671 Jamestown Drive, Suite 106, Murrells Inlet, SC 29576
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5182 Horry Dr, Unit A, Murrells Inlet, SC 29576
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to Murrells Inlet residents.
Complete insurance guide for Murrells Inlet, SC covering auto, home, and flood coverage. Learn about coastal risks, FEMA flood maps, and local agents.
Home InsuranceMurrells Inlet home insurance explained: flood zones, hurricane deductibles, waterfront coverage, and costs. Essential guide for Georgetown County homeowners.
Car InsuranceComplete guide to auto insurance in Murrells Inlet, SC. Understand 25/50/25 requirements, at-fault rules, US-17 risks, and how to get the right coverage.
Yes, you should strongly consider it. About 25% of flood claims come from properties outside mapped high-risk zones. Murrells Inlet's location between the Waccamaw River and Atlantic Ocean means storm surge, creek overflow, and heavy rainfall can cause flooding anywhere. Private flood insurance is often affordable for lower-risk properties, sometimes cheaper than NFIP rates, and provides better coverage options.
Most Murrells Inlet homeowners policies have hurricane deductibles of 2-5% of your home's insured value. On a $500,000 home with a 2% deductible, you'll pay $10,000 before insurance coverage begins. For a $300,000 home, that's $6,000 out-of-pocket. Check your policy declarations page—the hurricane deductible is usually separate from your regular deductible and only applies when a named hurricane is declared.
Hurricane coverage through your homeowners policy covers wind and rain damage—like a roof torn off by wind or water damage from rain entering through broken windows. Flood insurance covers rising water from storm surge, creek overflow, or heavy rainfall. These are completely separate policies, and you need both in Murrells Inlet. Standard homeowners insurance specifically excludes flood damage.
South Carolina requires 25/50/25 liability coverage plus uninsured motorist coverage, but these minimums are rarely adequate. Medical bills from a serious accident easily exceed $25,000 per person, and modern vehicle repairs are expensive. Most insurance professionals recommend at least 100/300/100 coverage if you own a home or have assets to protect, as you're personally liable for damages above your policy limits.
Look for agents who specialize in coastal coverage and can quote multiple carriers. Ask how many flood claims they've handled, which insurers they represent, and whether they offer bundling discounts. Murrells Inlet has five local agencies familiar with Georgetown County's specific risks. A quality agent will explain hurricane deductibles, flood zone requirements, and coverage gaps—not just sell you the cheapest policy available.
FEMA updated flood maps in 2025, expanding AE and VE high-risk zones throughout Georgetown County, including parts of Murrells Inlet, Socastee, and Surfside Beach. Many previously moderate-risk properties now require mandatory flood insurance and elevation certificates. Under Risk Rating 2.0, NFIP premiums increased an average of 113% for some policyholders—from $969 to around $1,400 annually. Check your current flood zone status with your agent or FEMA's Flood Map Service Center.
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