Best Independent Insurance Agencies in Bluffton, SC (2026)
Local agencies that can compare more than one insurance company, ranked by a formula you can check.
Disclosure: Quote My Policy is not an insurance agency and is not on this list. No agency paid to be listed or was asked to take part. The order comes from a published scoring formula applied to facts each agency publishes about itself. Our reviewers are licensed agents in Anderson: Joshua Pannell, Katie Stone and JJ Taylor work at Select Insurance, LLC, and our founder Bryan DeVore owns an agency. Those agencies are left off every list.
Facts checked October 29, 2026
Reviewed by Bryan DeVore, Founder, Quote My Policy ·
Bluffton is in Beaufort County, on the mainland next to Hilton Head Island. This list covers independent agencies with an office in Bluffton.
Every agency here has an office in the area, says on its own website that it represents more than one insurance company, and has at least one named agent we found in the South Carolina Department of Insurance license search. The order comes from a fixed scoring formula, not from our opinion, and no agency paid or asked to be included.
See exactly how the points work on how we rank local agencies.
The 7 agencies, ranked
1. AVEX Insurance
Score 74/100AVEX Insurance is an independent agency with an office in Bluffton. Its website has an "Insurance Carriers We Represent" page for the insurance companies it works with.
Has served Bluffton since 1981 and is licensed in seven states; also writes landlord, earthquake and event coverage.
Coverage listed on its website
- Auto
- Home
- Renters
- Life
- Umbrella
- Boat
- RV
- Motorcycle
- Flood
- Business
Found in the SC license search: John Syragakis (Agency Manager), individual #125524
- Office: 10 Buckingham Plantation Dr, Unit 10B, Bluffton, SC 29910 · (843) 837-2839
- In business since 1981
- Hours: Mon–Fri 9:00 am–5:00 pm
- Online quote request on its website
How this score adds up
- Years in business
- 25/25
- Personal coverage offered
- 18/20
- Business and farm coverage
- 8/10
- Licensed people we could check
- 3/15
- Transparency
- 10/10
- Convenience
- 5/15
- Depth on the topic
- 5/5
2. Hilton Head Insurance & Brokerage (Bluffton)
Score 69/100Hilton Head Insurance & Brokerage (Bluffton) is an independent agency with an office in Bluffton. In its own words: “As an independent insurance agent, we can help you evaluate and compare the products of several insurance companies to help you find the insurance solution that best meets your needs.”
Family-owned agency opened in 2015 by Jeff Hedden, whose family ran an insurance agency in Connecticut starting in 1945; also has offices on Hilton Head Island and in Charleston.
Specializes in coastal and high-value homes, luxury condos and vacation rental properties.
Coverage listed on its website
- Auto
- Home
- Renters
- Condo
- Life
- Umbrella
- Boat
- RV
- Motorcycle
- Flood
- Business
Found in the SC license search: Jeff Hedden (Owner), individual #660649; Angelina Spinelli (Sales Manager), individual #1417606; Michael Holdridge (Producer), individual #1473585; Matthew Davidson (Producer), individual #1500616; Seth Lynch (Producer), individual #1499163; Colleen Konkle (Account Manager), individual #1312412
- Office: 14 Westbury Park Way, Suite 200, Bluffton, SC 29910 · (843) 252-0840
- In business since 2015
- Online quote request on its website
How this score adds up
- Years in business
- 11/25
- Personal coverage offered
- 20/20
- Business and farm coverage
- 8/10
- Licensed people we could check
- 15/15
- Transparency
- 5/10
- Convenience
- 5/15
- Depth on the topic
- 5/5
Visit Hilton Head Insurance & Brokerage (Bluffton)’s website
3. Harbor Light Insurance and Wealth Advisors
Score 61/100Harbor Light Insurance and Wealth Advisors is an independent agency with an office in Bluffton. In its own words: “As an independent insurance agency, we do not work for any single insurance company.”
Founded in 2009 in Belfair Towne Village; combines a property and casualty insurance agency with retirement and investment planning.
Writes homeowners, flood, wind and hail, golf cart, yacht and boat coverage.
Coverage listed on its website
- Auto
- Home
- Renters
- Condo
- Umbrella
- Boat
- Motorcycle
- Flood
- Business
Found in the SC license search: Harry Lutz (Partner, Insurance Agent), individual #555961; Brittani Rogers (Partner, Insurance Agent), individual #657384; Chris Paulus (Partner, Insurance Agent), individual #905980; Chris Lewis (Property/Casualty Agent), individual #1466607; Richard Sebastian (President and Managing Partner), individual #565972
- Office: 97A Towne Dr, Bluffton, SC 29910 · 843-837-3737
- In business since 2009
How this score adds up
- Years in business
- 17/25
- Personal coverage offered
- 16/20
- Business and farm coverage
- 8/10
- Licensed people we could check
- 15/15
- Transparency
- 5/10
- Convenience
- 0/15
- Depth on the topic
- 0/5
4. Belmont Insurance Group (Bluffton)
Score 53/100Belmont Insurance Group (Bluffton) is an independent agency with an office in Bluffton. In its own words: “Because independent insurance agencies, like us, represent a number of different insurance companies, and can compare coverage and prices to find the best possible value for your individual circumstances.”
Also has an office in Clemmons, North Carolina; personal lines include high-net-worth and classic car coverage, and business lines include builders risk, bonds and cyber liability.
Coverage listed on its website
- Auto
- Home
- Renters
- Condo
- Life
- Umbrella
- Boat
- RV
- Motorcycle
- Business
Found in the SC license search: Marc Ricciardi (Managing Member), individual #423645; Landon Phillips (Managing Member), individual #719162; Tiffany Ross (Agent), individual #912557; Melody Gray (Account Manager), individual #509372
- Office: 1 Westbury Park Way, Suite 101, Bluffton, SC 29910 · (843) 757-3838
- Online quote request on its website
How this score adds up
- Years in business
- 0/25
- Personal coverage offered
- 18/20
- Business and farm coverage
- 8/10
- Licensed people we could check
- 12/15
- Transparency
- 5/10
- Convenience
- 5/15
- Depth on the topic
- 5/5
5. GSP Insurance Group (Bluffton)
Score 51/100GSP Insurance Group (Bluffton) is an independent agency with an office in Bluffton. In its own words: “Because our agency is 100% independent, we have multiple options and can compare the best available policies for you.”
Headquartered in Bluffton with a second office in Buford, Georgia; handles personal, business and employee benefits coverage, and compares both NFIP and private flood policies.
Coverage listed on its website
- Auto
- Home
- Renters
- Condo
- Life
- Umbrella
- Boat
- RV
- Motorcycle
- Flood
- Business
Found in the SC license search: Lee Songer (Founding Partner), individual #971775
- Office: 8 Buckingham Plantation Drive, Bluffton, SC 29910 · (843) 707-4473
- Hours: Mon–Thu 9:00 am–5:00 pm, Fri 9:00 am–1:00 pm
- Online quote request on its website
How this score adds up
- Years in business
- 0/25
- Personal coverage offered
- 20/20
- Business and farm coverage
- 8/10
- Licensed people we could check
- 3/15
- Transparency
- 10/10
- Convenience
- 5/15
- Depth on the topic
- 5/5
6. Coastal Haven Insurance
Score 43/100Coastal Haven Insurance is an independent agency with an office in Bluffton. In its own words: “We compare options across multiple carriers to build home, auto, flood, boat, and business policies around your actual risk, not a one-size-fits-all quote.”
Locally owned agency led by partners Coley Davis, Travers Davis and William Voelkel; arranges flood coverage through the NFIP or private carriers and also writes golf cart and landlord policies.
Coverage listed on its website
- Auto
- Home
- Renters
- Umbrella
- Boat
- Motorcycle
- Flood
- Business
Found in the SC license search: Travers Davis (Partner), individual #630527; William Voelkel (Partner), individual #1116350
- Office: 40 Pennington Dr, Suite E, Bluffton, SC 29910 · (843) 507-5072
- Online quote request on its website
How this score adds up
- Years in business
- 0/25
- Personal coverage offered
- 14/20
- Business and farm coverage
- 8/10
- Licensed people we could check
- 6/15
- Transparency
- 5/10
- Convenience
- 5/15
- Depth on the topic
- 5/5
7. The BDIM Agency: Brightway Insurance (Bluffton)
Score 43/100The BDIM Agency: Brightway Insurance (Bluffton) is an independent agency with an office in Bluffton. In its own words: “We’ll provide multiple insurance quotes from different insurance companies to help you find the best coverage, at the best price, to protect what matters to you most.”
Locally owned Brightway Insurance franchise led by Greg Dissel, who often works with loan officers and real estate agents to get home closings insured.
Coverage listed on its website
- Auto
- Home
- Renters
- Condo
- Life
- Umbrella
- Boat
- RV
- Motorcycle
- Flood
Found in the SC license search: Greg Dissel (Agency Owner), individual #842764
- Office: 102 Buckwalter Parkway, Suite 3Z, Bluffton, SC 29910 · 843-480-9933
- Hours: Mon–Fri 8:30 am–5:00 pm
- Online quote request on its website
How this score adds up
- Years in business
- 0/25
- Personal coverage offered
- 20/20
- Business and farm coverage
- 0/10
- Licensed people we could check
- 3/15
- Transparency
- 10/10
- Convenience
- 5/15
- Depth on the topic
- 5/5
Visit The BDIM Agency: Brightway Insurance (Bluffton)’s website
Why these lists include only independent agencies
An independent agency can quote with several insurance companies, so one conversation in Bluffton can produce more than one price. A captive agent represents a single company. Captive agents can be excellent; they just answer a different question, which is why we rank them separately or not at all.
What to have ready before you call
An agent can only compare what they can see. Five minutes of gathering saves a second round of calls.
- Your current declarations page, so the agent can match or improve the coverage you already have
- Driver's license numbers and vehicle VINs for everyone and everything on the policy
- For a home: year built, roof age and material, and any updates to wiring, plumbing or heating
- Any claims or tickets in the past five years, so quotes aren't revised later
- The date you need coverage to start
Check an agent's license yourself
Every person on these lists appeared in the South Carolina Department of Insurance license search when we checked. Licenses lapse and change, so look the person up yourself before you buy. Our step-by-step guide shows how, and what the search can and can't tell you.
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Tell us what you need and how you’d like to be reached. Quote My Policy LLC connects you with licensed insurance professionals. Quotes are free, with no obligation to buy.
Common questions
With a fixed formula of up to 100 points: years in business, the coverage the agency offers, how many of its named people we found in the South Carolina license search, whether it publishes its staff and hours, convenience (online quote requests, evening or Saturday hours, other languages) and depth on the topic. The full formula is on our How we rank page. We do not use reviews or star ratings.
No. No agency paid, and none was asked to take part. Quote My Policy is not an agency and is not on the list.
We include independent agencies with an office in Bluffton whose own website says they represent more than one insurance company, and with at least one named person we could find in the South Carolina Department of Insurance license search. If your agency meets those rules, email info@quotemypolicy.com with your website and we will check it the same way.
Each person we list by license number appeared in the South Carolina Department of Insurance individual license search on the date shown. The public search confirms a license record, not every detail of it, so look the agent up yourself before you buy.
Keep reading
Sources
Each agency’s own website, linked above, and the South Carolina Department of Insurance individual license search. Checked October 29, 2026. Spot an error? Email info@quotemypolicy.com and we will re-check it.
General information only, not insurance advice. Being on this list is not an endorsement, and leaving an agency off is not a judgment of it. Quote My Policy LLC connects you with licensed insurance professionals.