One Agency for Every Policy Your Coastal Life Requires

Independent coverage guidance for homeowners, drivers, boaters, and property owners across coastal South Carolina — from a team that has lived and worked this coastline for 13 years.

Living on the South Carolina coast means your insurance needs look different from anywhere else in the country. A standard homeowners policy rarely covers everything. Wind and hail, flooding, and the everyday risks of coastal life often require separate policies working together — and knowing which ones you need, and which carriers will actually write them here, takes local knowledge that a national website simply cannot offer.


At Safe Haven Insurance Group, we've been building coastal coverage stacks for families and property owners from Garden City to Charleston since 2013. We work with a wide network of carriers — including Charleston-based Johnson & Johnson — to find coverage that fits your property, your lifestyle, and your budget.

What Does Complete Personal Insurance Look Like on the SC Coast?

Coastal property owners typically need more than one policy to be fully covered. The three-policy foundation most homeowners here carry is homeowners insurance, a separate wind and hail policy, and a separate flood insurance policy. These three coverages address distinct risks, and no single policy combines all of them.


From there, your personal coverage picture depends on how you live. If you own a boat, a golf cart, a motorcycle, or an RV, each carries its own exposure — and each deserves a policy that actually covers it.


We help you see the full picture, find the gaps, and put together a coverage stack that makes sense for where you live and what you own.

Personal Insurance Coverage We Offer

Whether you own a home on the waterway, rent a condo near the beach, or drive a golf cart through a coastal community, we have coverage options built for the way people actually live here.

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Property Coverage

Homeowners Insurance, Flood Insurance, Wind & Hail Insurance, Condo Insurance, Mobile Home Insurance, Dwelling Fire Insurance, Vacant Property Insurance, Builder's Risk Insurance, Earthquake Insurance

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Renters, Landlords & Specialty Property

Renters Insurance, Landlord Insurance, Umbrella Insurance, Identity Theft Insurance

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Auto & Recreational

Auto Insurance, Boat Insurance, Golf Cart Insurance, RV Insurance, ATV Insurance, Motorcycle Insurance

Explore any coverage area below, or contact us and we'll walk through your full situation together.

Why Coastal Property Is Harder to Insure — and How We Help

Carriers that write policies inland often pull back from coastal zip codes, add exclusions, or price coverage in ways that don't reflect the actual risk profile of a well-built, well-maintained coastal home. After 13 years writing personal lines along the Grand Strand and surrounding areas, we know which carriers are committed to this market and which ones aren't.

Our carrier relationships run deep here. We place coverage across a broad network of admitted and specialty carriers, which means we can find options for properties that other agencies struggle to place — including manufactured homes, vacant properties, and homes within wind-exposure zones.


  • Over 100 five-star Google reviews from coastal South Carolina clients
  • 4.8-star average Google rating
  • Specialty carrier access for hard-to-place coastal properties
  • Multilingual service available
  • Independent agency — we work for you, not for any single carrier

Bundling Home and Auto in the Myrtle Beach Area

One of the most consistent ways to lower your total insurance spend is to bundle your home and auto coverage through the same agency. When your policies are placed together, carriers often extend multi-policy discounts — and you gain the convenience of a single point of contact when something goes wrong.


We help clients across Myrtle Beach, North Myrtle Beach, Garden City, Surfside Beach, Murrells Inlet, Pawleys Island, and the surrounding communities bundle their personal lines in a way that actually saves money without cutting coverage corners.

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Serving Coastal South Carolina from the Grand Strand to the Lowcountry

We're based in Garden City and serve an approximately 80-mile radius along the South Carolina coast — from Little River and North Myrtle Beach in the north, through Murrells Inlet, Pawleys Island, Litchfield, and Georgetown, and south toward Charleston, Beaufort, and Hilton Head Island. We're also licensed in North Carolina for clients just across the state line.


If you live, own property, or spend significant time anywhere along this stretch of coast, we can help you find the right personal insurance coverage.

Questions About Personal Insurance on the SC Coast

  • What personal insurance do I need if I own a home on the South Carolina coast?

    FIG is an independent agency that works for you — not the insurance companies. Since 1981, we’ve prioritized personal service, comparing multiple carriers to find the best coverage at the best value. With real agents, tailored advice, and long-term support, we go beyond policies to build trusted relationships.

  • Can I bundle home and auto insurance in Myrtle Beach?

    We’ve been serving Maryland and surrounding areas since 1981. With over 40 years of experience, FIG has built a strong reputation for dependable service and expert insurance guidance.

  • Does homeowners insurance cover flood damage on the SC coast?

    We specialize in matching clients with the right coverage — whether it’s auto, home, renters, life, commercial, or specialty insurance. Our team includes experts across all categories to ensure you get the most suitable protection.

  • What if my coastal property is hard to insure or has been declined elsewhere?

    Absolutely. At FIG, we believe in lasting relationships. You’ll work with a dedicated agent who understands your needs and is there for you through every change, claim, and renewal.

  • Do you insure boats, golf carts, and other recreational vehicles?

    We do. Boat insurance, golf cart insurance, motorcycle insurance, RV insurance, and ATV insurance are all part of our personal lines offering. These are common needs along the Grand Strand, and we make it easy to add recreational coverage alongside your home and auto policies.


Ready to review your personal coverage or get a quote on something new? We'd love to help.

Safe Haven Insurance Group has served coastal South Carolina families and property owners since 2013. As an independent agency based in Garden City, we place personal lines coverage across a wide network of carriers — including specialty markets for coastal and hard-to-insure properties. Our team holds deep knowledge of the coverage risks specific to this coastline, and we're here to make sure your policies actually cover what you think they cover.