Best Independent Insurance Agencies in Mount Pleasant, 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 ·
Mount Pleasant is in Charleston County, across the Cooper River from Charleston. This list covers independent agencies with an office in Mount Pleasant.
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 12 agencies, ranked
1. C. T. Lowndes & Company (Mount Pleasant)
Score 88/100C. T. Lowndes & Company (Mount Pleasant) is an independent agency with an office in Mt. Pleasant. In its own words: “By representing different insurance companies, we can provide a unique variety of policies and price points.”
Lowcountry agency in business since 1850, with offices in Charleston, Summerville, Walterboro, Moncks Corner, Edisto Island and Myrtle Beach as well as Mt. Pleasant. Offers coastal, high-net-worth and yacht coverage plus employee benefits.
Coverage listed on its website
- Auto
- Home
- Renters
- Condo
- Life
- Umbrella
- Boat
- RV
- Motorcycle
- Flood
- Business
Found in the SC license search: Willard A. "Billy" Silcox, Jr. (Owner), individual #186264; Willard A. "Bill" Silcox, III (Owner, CEO), individual #164949; Chris Silcox (Owner, Account Executive), individual #164951; Elliott Phillips (Account Executive), individual #532270; Paula Stubblefield (Account Executive), individual #491210
- Office: 966 McCants Dr, Mt. Pleasant, SC 29464 · 843-884-3159
- In business since 1850
- Hours: Mon–Thu 9:00 am–5:00 pm; Fri 9:00 am–2:00 pm
- Online quote request on its website
How this score adds up
- Years in business
- 25/25
- Personal coverage offered
- 20/20
- Business and farm coverage
- 8/10
- Licensed people we could check
- 15/15
- Transparency
- 10/10
- Convenience
- 5/15
- Depth on the topic
- 5/5
2. Coastal Insurance Brokers (Mount Pleasant)
Score 79/100Coastal Insurance Brokers (Mount Pleasant) is an independent agency with an office in Mt Pleasant. In its own words: “Unlike a captive agent who sells for one company, we're independent — we shop your policy across 25+ insurance companies to find the best coverage and price for your specific situation, and we're re-shopped every year at renewal.”
Founded by John Cosgrove in 2010, with a second office in North Myrtle Beach. Focuses on coastal risks, including flood, wind and hurricane, short-term rental and high-value coastal home coverage.
Coverage listed on its website
- Auto
- Home
- Renters
- Condo
- Life
- Umbrella
- Boat
- RV
- Motorcycle
- Flood
- Business
Found in the SC license search: John Cosgrove (Owner & Principal Insurance Advisor), individual #446274; Kenneth S. Every-Andrews (Licensed Insurance Producer), individual #108947; Michael Jacob Casa (Licensed Insurance Producer), individual #554193; Alexia Paige-Nicole Dowd (Licensed Insurance Producer), individual #950815; Michael Pack (Licensed Insurance Producer), individual #1215375
- Office: 3405 Salterbeck St #102, Mt Pleasant, SC 29466 · (843) 471-2621
- In business since 2010
- Hours: Mon–Fri 9:00 am–4:30 pm
- Online quote request on its website
How this score adds up
- Years in business
- 16/25
- Personal coverage offered
- 20/20
- Business and farm coverage
- 8/10
- Licensed people we could check
- 15/15
- Transparency
- 10/10
- Convenience
- 5/15
- Depth on the topic
- 5/5
3. Schirmer Insurance Group
Score 75/100Schirmer Insurance Group is an independent agency with an office in Mount Pleasant. In its own words: “As an independent agency, we represent multiple top-rated insurance carriers.”
Family-owned agency founded in Charleston in 1983, run by the Schirmer family. Covers personal and business needs, including earthquake, dwelling fire, restaurant insurance and bonds.
Coverage listed on its website
- Auto
- Home
- Renters
- Life
- Umbrella
- Boat
- RV
- Motorcycle
- Flood
- Business
Found in the SC license search: Sam Schirmer (Owner/Principal Agent), individual #612126; Grayson Schirmer Jones (Owner/Client Relations Manager), individual #805671; Ashley Pottieger (Licensed Insurance Consultant), individual #805044
- Office: 1312 Bowman Rd, Mount Pleasant, SC 29464 · 843-881-4707
- In business since 1983
- 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
- 9/15
- Transparency
- 5/10
- Convenience
- 5/15
- Depth on the topic
- 5/5
4. Afore Insurance Services (formerly Mappus Insurance)
Score 68/100Afore Insurance Services (formerly Mappus Insurance) is an independent agency with an office in Mount Pleasant. In its own words: “Because our agency is 100% independent, we have the freedom to shop the marketplace to find you the best possible combination of cost and coverage.”
Founded in 1960 by Theodore Tobias Mappus, Jr.; now a division of Afore Insurance Services. Specialties include historic and beachfront homes, high-net-worth clients, new construction in Mount Pleasant and flood insurance, with an instant online flood quote.
Mappus Insurance now operates as Afore Insurance Services, with the same team.
Coverage listed on its website
- Auto
- Home
- Condo
- Life
- Umbrella
- Boat
- Flood
- Business
Found in the SC license search: Andrew Muller (CEO / Managing Partner), individual #500578; Michelle Howard (Director of Operations), individual #141665
- Office: 421 Wando Park Blvd, Suite 100, Mount Pleasant, SC 29464 · (843) 763-4200
- In business since 1960
- Online quote request on its website
How this score adds up
- Years in business
- 25/25
- 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
Visit Afore Insurance Services (formerly Mappus Insurance)’s website
5. Insurance Solutions
Score 63/100Insurance Solutions is an independent agency with an office in Mt. Pleasant. In its own words: “We work with many of the nation’s leading insurance companies to offer a wide range of personal and commercial insurance solutions at competitive rates.”
Established in May 2000 by Kevin M. Christy as a subsidiary of Christy & Associates, Inc. Covers beach and coastal property, flood and excess flood, yachts and inland marine, plus business coverage.
Coverage listed on its website
- Auto
- Home
- Umbrella
- Boat
- RV
- Flood
- Business
Found in the SC license search: Kevin M. Christy (Founder), individual #171112
- Office: 210 Coleman Blvd, Suite T, Mt. Pleasant, SC 29464 · (843) 375-0200
- In business since 2000
- Hours: Mon–Thu 9:00 am–5:00 pm; Fri 9:00 am–2:00 pm
- Online quote request on its website
How this score adds up
- Years in business
- 25/25
- Personal coverage offered
- 12/20
- Business and farm coverage
- 8/10
- Licensed people we could check
- 3/15
- Transparency
- 10/10
- Convenience
- 5/15
- Depth on the topic
- 0/5
6. Gill Insurance of the Lowcountry
Score 62/100Gill Insurance of the Lowcountry is an independent agency with an office in Mt. Pleasant. In its own words: “Working with you to identify the insurance products that are right for you, your family, or your business, and using our access to multiple companies to deliver those products.”
One of three family-owned Gill agencies that date to 1961 in Rock Hill; the Mt. Pleasant office opened in 2018 to serve coastal communities. Personal lines include marine and watercraft, flood and jewelry coverage.
Coverage listed on its website
- Auto
- Home
- Renters
- Condo
- Umbrella
- Boat
- Motorcycle
- Flood
- Business
Found in the SC license search: William Gill, individual #555964
- Office: 800 Johnnie Dodds Blvd, Suite 102, Mt. Pleasant, SC 29464 · 843-388-5021
- In business since 1961
- Hours: Mon–Fri 9:00 am–5:00 pm
How this score adds up
- Years in business
- 25/25
- Personal coverage offered
- 16/20
- Business and farm coverage
- 8/10
- Licensed people we could check
- 3/15
- Transparency
- 10/10
- Convenience
- 0/15
- Depth on the topic
- 0/5
7. Harbor One Insurance
Score 53/100Harbor One Insurance is an independent agency with an office in Mt Pleasant. In its own words: “By representing multiple insurance carriers, we are able to shop to help you save while still getting the best possible coverage.”
Family-owned agency founded by Josh Wright, with offices in Mount Pleasant and Walterboro and a focus on coastal insurance. Also insures valuables and collectibles such as jewelry, art, coins and trading cards.
Coverage listed on its website
- Auto
- Home
- Renters
- Condo
- Life
- Boat
- RV
- Motorcycle
- Flood
- Business
Found in the SC license search: Josh Wright (Owner), individual #622418; Ashley Ellis (Account Manager), individual #1261166; Hannah Lane (Senior Account Manager), individual #763274; Donna Sineath (Client Service Representative), individual #771037
- Office: 250 Mathis Ferry Rd #200, Mt Pleasant, SC 29464 · (843) 782-4040
- 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
8. Blueprint Insurance Group
Score 49/100Blueprint Insurance Group is an independent agency with an office in Mount Pleasant. In its own words: “We offer a full array of coverages through many excellent insurance companies.”
Boutique agency founded in 2011 by Aryn Linenger, with its headquarters in Mount Pleasant. Personal coverage includes boats, docks, golf carts and classic cars, and business coverage includes liquor liability and cyber liability.
Coverage listed on its website
- Auto
- Home
- Life
- Umbrella
- Boat
- Flood
- Business
Found in the SC license search: Aryn Linenger (Founder), individual #450075; Sarah Williams-Scalise (Producer), individual #858574; Caleb Lowder, individual #960998
- Office: 357 N Shelmore Blvd, 2nd Floor, Mount Pleasant, SC 29464 · (843) 216-8224
- In business since 2011
How this score adds up
- Years in business
- 15/25
- Personal coverage offered
- 12/20
- Business and farm coverage
- 8/10
- Licensed people we could check
- 9/15
- Transparency
- 5/10
- Convenience
- 0/15
- Depth on the topic
- 0/5
9. Brightway Insurance, The McKenzie Agency
Score 47/100Brightway Insurance, The McKenzie Agency is an independent agency with an office in Mt. Pleasant. 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 franchise led by Jenny McKenzie, focused on personal lines including flood, boat, RV, pet and personal articles coverage.
Coverage listed on its website
- Auto
- Home
- Renters
- Condo
- Umbrella
- Boat
- RV
- Motorcycle
- Flood
Found in the SC license search: Jenny McKenzie (Agency Owner), individual #847865; Zach Tant, individual #955169; Tina Reyna Paulk, individual #461502
- Office: 426 West Coleman Blvd, Unit F, Mt. Pleasant, SC 29464 · 843-408-4554
- Hours: Mon–Fri 9:00 am–5:00 pm
- 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
- 0/10
- Licensed people we could check
- 9/15
- Transparency
- 10/10
- Convenience
- 5/15
- Depth on the topic
- 5/5
10. Wynn & Associates Inc.
Score 42/100Wynn & Associates Inc. is an independent agency with an office in Mt. Pleasant. In its own words: “We offer multiple markets for all types of home owner's insurance.”
Family-run Mt. Pleasant agency covering homes, beach property, cars, boats, jet skis and golf carts, plus business coverage including HOAs and docks.
Coverage listed on its website
- Auto
- Home
- Renters
- Condo
- Life
- Umbrella
- Boat
- Motorcycle
- Flood
- Business
Found in the SC license search: Maria Wynn (Owner), individual #134415; Chris Wynn (Agent, Office Manager), individual #456913
- Office: 757 Long Point Rd, Ste B, Mt. Pleasant, SC 29464 · 843-884-7000
- Hours: Mon–Thu 8:30 am–5:00 pm; Fri 9:00 am–3:00 pm
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
- 6/15
- Transparency
- 10/10
- Convenience
- 0/15
- Depth on the topic
- 0/5
11. Palmetto Moon Insurance
Score 39/100Palmetto Moon Insurance is an independent agency with an office in Mount Pleasant. In its own words: “Through Palmetto Moon’s independent status, we can truly shop around for clients, saving them time and money and helping them feel secure that they are covered.”
Local independent agency offering personal lines from home, auto and boat to golf carts, plus business, professional liability and group benefits coverage. Also has an agent in Columbia.
Coverage listed on its website
- Auto
- Home
- Renters
- Life
- Umbrella
- Boat
- RV
- Motorcycle
- Flood
- Business
Found in the SC license search: Mackall Horres (Vice President), individual #518667
- Office: 1501 Belle Isle Ave, Ste 110, Mount Pleasant, SC 29464 · 843.375.1234
- 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
- 3/15
- Transparency
- 5/10
- Convenience
- 5/15
- Depth on the topic
- 0/5
12. Goosehead Insurance – A.D. Lewis
Score 34/100Goosehead Insurance – A.D. Lewis is an independent agency with an office in Mount Pleasant. In its own words: “Using cutting edge technology to shop with dozens of "A" rated insurance companies in just a few short minutes, he is able to find the best coverage.”
Local Goosehead franchise office led by A.D. Lewis, licensed in South Carolina and Georgia.
Coverage listed on its website
- Auto
- Home
- Renters
- Condo
- Boat
- RV
- Motorcycle
- Flood
Found in the SC license search: A.D. Lewis (Agent), individual #747851
- Office: 503 Wando Park Blvd, Office 205L, Mount Pleasant, SC 29464 · (843) 936-0994
- Online quote request on its website
How this score adds up
- Years in business
- 0/25
- Personal coverage offered
- 16/20
- Business and farm coverage
- 0/10
- Licensed people we could check
- 3/15
- Transparency
- 5/10
- Convenience
- 5/15
- Depth on the topic
- 5/5
Why these lists include only independent agencies
An independent agency can quote with several insurance companies, so one conversation in Mount Pleasant 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.
Rather not call around?
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 Mount Pleasant 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.