Local Protection.
Honest Guidance.
Real Relationships.
Insurance that actually protects you — built by a local team who lives where you live, understands Lowcountry risks, and answers the phone when you call.
Serving: Charleston • James Island • Johns Island • West Ashley • Mount Pleasant • Summerville & Beyond
WHY CHOOSE A LOCAL AGENT?
Because insurance isn’t one-size-fits-all — especially in Charleston.
When you work with our agency,
you get:
Local experts who understand hurricanes, flood zones, and Charleston laws
Real people who explain coverage in plain English
Annual reviews to keep your protection up-to-date
Discounts you never knew existed
Help filing claims (even though we aren't licensed in claims)
A relationship — not a 1-800 number
We don’t sell policies. We protect people.
OUR MOST POPULAR COVERAGES
Auto Insurance
Safe driver discounts, Drivewise® app savings, 24/7 roadside assistance included.
Home Insurance
Customized for Charleston weather, roof depreciation, water backup, and liability.
Renters Insurance
Landlord insurance protects THEM — our policies protect YOUR belongings and liability.
Flood Insurance
Home insurance does NOT cover flooding. We offer NFIP & Private
(faster, flexible, often cheaper).
Life Insurance
Protect your family, mortgage, and future. Term & permanent options.
Business Insurance
GL, BOP (Business Owner’s Policy), Commercial Auto, Workers’ Comp, and more.
Umbrella Insurance
Extra $1M+ liability protection that can save your assets and future income.
Auxiliary & Recreational Insurance
Marinas, HOAs, and SC law often require coverage. We insure your toys the RIGHT way.
Bundles & Discounts
Bundle home, auto, life, toys, and business to save BIG and eliminate coverage gaps.
Why Charleston Residents Trust Us
Living in the Lowcountry comes with unique risks — and we understand them all.
Hurricanes & tropical storms
Flooding (even in “low-risk” zones)
Old roofs and outdated codes
Tourist traffic & teen drivers
Boats & golf carts everywhere
Property lawsuits and liability claims
Most insurance agents don’t explain this. We do.
Most 1-800 numbers don’t understand this. We live it.
The Truth About Insurance (Most Agents Won’t Tell You)
Homeowners insurance does NOT cover flood. ➡ You need a separate flood policy.
Flood insurance does NOT cover old roofs. ➡ Roofs depreciate. 20-year-old roof? You won’t get full replacement.
Water backup (sewer/drain) isn’t standard. ➡ You must add it, and in Charleston, you SHOULD.
Landlord insurance doesn’t protect renters. ➡ It protects the building, not your stuff or liability.
Boats, golf carts, motorcycles need separate protection. ➡ They need their own protection.
We tell you the truth — before it becomes a denied claim.
How to Save on
Auto Insurance
We are not a call center. We are your local insurance partner.
What you get with us:
We actually answer the phone
We explain everything in plain language
We customize coverage to FIT YOUR LIFE
We find every discount you qualify for
We review your policies every year
We help you file claims (we just can’t adjust them)
We tell you the truth — even when it’s not what you expected
We care about you AND your future
This is insurance done right.
Save More with
Bundles & Discounts
We make it easier and more affordable to insure young drivers.
We help you stack savings:
Home + Auto (biggest discount)
Add Renters, Life, Umbrella, Flood
Bundle your toys (boats, golf carts, motorcycles)
Business + Commercial Auto + Umbrella
Drivewise® safe driver discounts
Roadside assistance perks
Loyalty rewards
The more we protect, the more you save.
WHAT OUR CLIENTS SAY
MEET YOUR LOCAL AGENCY
We’re not just agents — we’re your neighbors.
Rhonda and her team live right here in the Lowcountry. We know the community. We support local businesses.
We treat every client like family — because that’s how it should be.
READY FOR PEACE OF MIND?
Let’s build coverage that actually protects you — with an agent who genuinely cares.
The right insurance isn’t just about price. It’s about protection, guidance, and trust.
That’s what we deliver — every single time.
© 2025
Rhonda P Myers: Allstate Insurance. All rights reserved