Personal and Commercial Insurance in Surfside Beach

Your Local Independent Insurance Agency

Moore & Associates has served Surfside Beach, South Carolina since 1979. As an independent agency, we work with multiple insurance carriers to find coverage that fits your needs and budget. Instead of being locked into one company's options, you get access to competitive quotes from trusted insurers — all through a local agent who understands the unique risks of living and doing business on the Grand Strand.

Known as "The Family Beach," Surfside Beach offers a quieter alternative to the busier stretches of the Grand Strand while still providing easy access to everything the area has to offer. Whether you own a beach cottage near the pier, live in an established neighborhood off Surfside Drive, run a local business, or manage vacation rental properties, we understand what it takes to protect your assets in coastal South Carolina. Hurricanes, flooding, and tropical storms are part of life here. Our agents help you build a policy that actually protects you when it matters most.

Personal Insurance Products

We provide a full range of personal insurance products for Surfside Beach residents. Whether you need to protect your home, your car, your boat, or your family, our agents shop multiple carriers to find the right coverage at a competitive price.

Homeowners Insurance: Your home is likely your largest investment. In Surfside Beach, you need coverage that accounts for hurricane exposure, wind damage, and the unique risks of coastal living. We help you find a policy that covers your dwelling, personal belongings, liability, and additional living expenses if your home becomes uninhabitable.

Auto Insurance: South Carolina requires liability coverage for all registered vehicles, but minimum limits may not be enough after a serious accident. We compare auto insurance rates from multiple carriers to find reliable coverage that fits your budget — whether you need liability only, full coverage, or added protection like uninsured motorist coverage.

Flood Insurance: Standard homeowners insurance does not cover flood damage — and flooding is one of the most common disasters in Surfside Beach. Properties close to the ocean, near tidal creeks, or in low-lying areas face significant flood risk. Even homes outside designated flood zones can flood during heavy rains or tropical storms. We help Surfside Beach homeowners secure flood insurance through the National Flood Insurance Program or private carriers.

Condo Insurance: If you own a condo, your HOA's master policy covers the building exterior and common areas — but it does not protect your unit's interior, personal belongings, or liability. An HO-6 condo insurance policy fills those gaps. Our agents can review your HOA's policy to determine exactly what coverage you need.

Boat Insurance: Whether you own a fishing boat, pontoon, center console, or jet ski, you need dedicated watercraft coverage to protect your investment. Boat insurance covers physical damage, liability, medical payments, and on-water towing. Most marinas and lenders require proof of insurance before you can dock or finance.

Commercial Insurance Products

Surfside Beach is home to a mix of local businesses — from restaurants and beach shops to vacation rental management companies, service contractors, and professional offices. Moore & Associates helps business owners protect their operations with commercial insurance tailored to their industry.

General Liability Insurance: This coverage protects your business from claims of bodily injury, property damage, and personal injury caused by your operations, products, or employees. Most commercial leases and contracts require proof of general liability insurance.

Commercial Property Insurance: Your business property — including your building, equipment, inventory, and furniture — faces risks from fire, theft, vandalism, and storms. Commercial property insurance helps you repair or replace damaged assets so you can get back to business.

Business Owners Policy (BOP): A BOP bundles general liability and commercial property coverage into a single, cost-effective package. BOPs often include business interruption insurance, which pays for lost income if you close temporarily after a covered loss.

Workers' Compensation Insurance: South Carolina law requires most employers to carry workers' compensation insurance. This coverage pays for medical expenses and lost wages when employees are injured on the job and protects your business from related lawsuits.

Why Choose an Independent Insurance Agency?

When you buy insurance from a captive agent, you're limited to one company's products and prices. Independent agencies like Moore & Associates work differently. We represent multiple insurance carriers, which means we can shop your coverage across several companies to find the best combination of price and protection.

If your rates increase at renewal, we can look for better options without starting over. If your needs change, we can adjust your coverage or move you to a carrier that's a better fit. Our job is to help you understand your options, find coverage that fits your situation, and advocate for you when you file a claim.

Local Agents Who Know Surfside Beach

Insurance is not one-size-fits-all, especially in a coastal community like Surfside Beach. An agent in another state may not understand why flood insurance matters even outside a flood zone, or why windstorm coverage is critical during hurricane season.

When you call Moore & Associates, you reach a local agent who lives and works on the Grand Strand. We understand the challenges of insuring oceanfront cottages, elevated beach homes, condos along Ocean Boulevard, and vacation rentals that see heavy seasonal use. We know which carriers write coverage in coastal South Carolina and which ones offer the best rates for your situation.

We're also here when you need us. If you have a question about your policy, need to file a claim, or want to update your coverage, you can call our office and talk to a real person — not a call center halfway across the country.

Protecting What Matters Most

At Moore & Associates, we believe insurance should give you peace of mind — not stress. Our goal is to help you understand your risks, find coverage that protects what matters most, and feel confident that you're prepared for the unexpected.

Whether you're buying your first home in Surfside Beach, insuring a vehicle, protecting a small business, or simply looking for a better rate on your current coverage, we're here to help. Our agents take the time to listen, answer your questions, and find solutions that fit your life and your budget.

Get an Insurance Quote in Surfside Beach, South Carolina

Our insurance agents serve Surfside Beach, South Carolina and surrounding areas including Myrtle Beach, North Myrtle Beach, Atlantic Beach, Conway, Murrells Inlet, Litchfield, Pawleys Island, and Georgetown. Contact Moore & Associates today for a free quote.