Acentria Insurance
36 Business Center Dr, Pawleys Island, SC 29585
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Pawleys Island households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
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36 Business Center Dr, Pawleys Island, SC 29585
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86 Professional Lane, Pawleys Island, SC 29585
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241 Willbrook Blvd, Ste B, Pawleys Island, SC 29585
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14323 Ocean Hwy, Suite 4147, Pawleys Island, SC 29585
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267 Willbrook Blvd, Unit C, Pawleys Island, SC 29585
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Learn about insurance coverage options specific to Pawleys Island residents.
Complete insurance guide for Pawleys Island, SC. Learn about high coastal rates, flood zone requirements, local agents, and coverage you need on the Grand Strand.
Home InsuranceComplete guide to home insurance in Pawleys Island, SC. Understand flood zones, wind coverage, costs, and 2025 FEMA map changes. Get protected today.
Car InsuranceEssential guide to auto insurance in Pawleys Island, SC. Learn about 25/50/25 requirements, at-fault claims, US-17 risks, and hurricane coverage options.
Pawleys Island has the highest homeowners insurance rates in South Carolina, averaging $4,728 annually, because it's a barrier island with direct Atlantic Ocean exposure. The island faces significant hurricane and storm surge risk, has experienced multiple major flooding events, and many national insurers have limited or stopped writing coastal policies altogether. This combination of high risk and limited carrier availability drives rates up substantially.
Yes, absolutely. Standard homeowners policies explicitly exclude flood damage, so even with expensive coastal property insurance, you have zero flood coverage. Since every property on Pawleys Island sits in a FEMA high-risk flood zone with a 26% chance of flooding during a 30-year mortgage, separate flood insurance through the National Flood Insurance Program or a private carrier is essential and required by most mortgage lenders.
South Carolina requires minimum liability coverage of 25/50/25, which means $25,000 per person for bodily injury, $50,000 total per accident, and $25,000 for property damage. You must also carry matching uninsured motorist coverage. However, these minimums often aren't enough to cover serious accidents, and most insurance professionals recommend at least 100/300/100 limits or higher for better financial protection.
Yes. The Town of Pawleys Island participates in FEMA's Community Rating System, which provides residents with a 25% discount on flood insurance premiums. This discount recognizes the town's floodplain management efforts and can save homeowners several hundred dollars annually. You automatically receive this discount when purchasing NFIP flood insurance for a Pawleys Island property.
For Pawleys Island properties, working with a local independent agent who specializes in coastal insurance is strongly recommended. Coastal coverage is complex, involving separate policies for homeowners, wind/hail, and flood, and many national carriers don't write policies here at all. Local agents know which carriers still cover barrier island properties, understand Georgetown County requirements, and can help coordinate multiple policies to ensure you have no coverage gaps.
Replacement cost coverage pays to rebuild or replace your property at current construction prices without deducting for depreciation, while actual cash value pays the depreciated value of damaged items. On Pawleys Island where building codes are strict and coastal construction costs are high, replacement cost coverage is essential—otherwise you could receive a settlement that doesn't come close to covering the actual cost to rebuild your home after a major storm.
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