The things that matter to you, matter to us.
Home, auto, flood, commercial and more, shopped across 30+ top-rated carriers by a local, independent agency that treats you like a neighbor, not a number.
Coverage for every part of life
One agency. All your insurance.
From the roof over your head to the boat at the dock, we've got the Lowcountry covered.
Homeowners
Protect your home, belongings, and liability with coverage built around how you actually live.
Learn moreRenters
Affordable protection for your belongings and liability, even when you don't own the walls.
Learn moreCondo
HO-6 coverage that fills the gaps your HOA master policy leaves behind.
Learn moreFlood
Living in the Lowcountry means flood risk is real. Standard policies don't cover it. We do.
Learn moreAuto
Liability, collision, and full coverage shopped across carriers to fit your budget.
Learn moreBoat & Watercraft
From bay boats to jet skis, get on the water knowing you're covered.
Learn moreMotorcycle
Coverage for cruisers, sport bikes, and everything in between.
Learn moreCommercial
Protect the business you've built: liability, property, auto, and workers' comp shopped across carriers.
Learn moreWhy Carolina Property
Insurance should feel personal again.
We started this agency on a simple belief: you deserve an advisor who shops the whole market for you, walks you through exactly what your policy covers, and answers when you call. That's independent insurance, done the Lowcountry way.
Meet the teamWe shop, you save
As an independent agency we compare 30+ top-rated carriers to find your best coverage and price, not just one company's quote.
Local & personal
We live and work in the Lowcountry. You get a real person who knows our coast, our risks, and your name.
Coverage done right
We make sure you're actually protected: wind, flood, and the gaps most people don't find out about until a claim.
Fast & responsive
Quotes in minutes, claims support within the hour. When you need us, we pick up the phone.
Bundle & Save
Combine policies. Keep more of your money.
Pairing your home and auto (or adding flood, boat, or an umbrella) can unlock multi-policy discounts and simplify your life with one trusted point of contact.
See how much you could saveWhat our clients say
Rated 4.9★ across 332 Google reviews
Real neighbors, real coverage, real service. Here's what our clients say about us.
“I worked with Micah to obtain insurance for my new home purchase. I was quite surprised that the process was simple and straightforward and offered a competitive rate. I highly recommend Carolina Property Insurance for your insurance needs.”
“Mary Beth took care of all my insurance needs. She shopped and found me the best rates. Best agent I’ve ever had by far! Would highly recommend!”
“Allison Shaw proactively reached out to share information, which was a huge help to us. As we are in the midst of buying a home, which already includes lots of logistical details, it was really nice to have that approach. Working with Allison has been super simple and easy with informative emails and detailed yet easy to follow instructions. She’s also very professional and pleasant to work with!”
“Meg Perrino was a huge help in determining my insurance needs. My previous company did not even reach out to me as my insurance was lapsing. Meg reached out, we talked and I even went to visit her in her office. She took the time and went step-by-step through my plan to get me the best policy for a great value. Meg is incredible. Thank you so much.”
“I've had a great experience working with Meg Perinno. She is personable. She helped with finding new insurance to save money. We did 3 policies together. She taught me about the process because it was confusing to me. She helpful in many ways. I felt comfortable calling her for other insurance questions and advice. I am thankful for our experience.”
Reviews from Google Maps
Murrells Inlet: Read reviews · Leave a reviewMyrtle Beach: Read reviews · Leave a review
Trusted carriers
We shop the companies you know
Because we're independent, we compare top-rated national and regional carriers to match you with the right policy.
Carrier availability varies by location and eligibility.
Our offices
Stop by and see us

Office
Murrells Inlet
3103 US-17 Business, Unit EMurrells Inlet, SC 29576843-839-8361
Monday-Friday: 9am-5pm

Office
Myrtle Beach
1309 Professional Dr, Unit 102Myrtle Beach, SC 29577843-839-8361
Monday-Friday: 9am-5pm
Ready for coverage that actually fits?
Get a quote in minutes. We shop 30+ carriers so you don't have to.
