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South Carolina’s Local Insurance Agency

Protecting Homes, Cars & Businesses

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Auto Insurance

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Home Insurance

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Mobile Home Insurance

Commercial Insurance

Allstate
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Nationwide Insurance
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Coverage Types

Coverage for All Aspects of Life

Whether you're safeguarding your family, your business, or the boat you've been dreaming of, we'll connect you with the perfect policy from trusted carriers.

Personal Insurance

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Home, auto, life, flood, and more. Coverage that protects what matters most to your family.

Commercial Insurance

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We help South Carolina businesses operate safely with liability and workers' comp.

Coverage Options

Explore specific coverage options

Personal Insurance

Protect what matters most to you with customized personal insurance.

Commercial Insurance

Shield your business with tailored commercial insurance solutions.

Why Choose Us

The Local Difference You Can Actually Feel

20+ Years of Coastal Carolina Expertise

Since the early 2000s, we've helped thousands of South Carolina families and businesses find the right coverage. That's two decades of local knowledge, carrier relationships, and hard-earned trust working in your corner.

25+ Top-Rated Carriers, One Local Agent

We're independent, which means we're not loyal to any single insurance company, we're loyal to you. Our agents shop dozens of top carriers to bring you the best coverage at the lowest rate available.

24-Hour Response, Every Time

No phone trees. No long waits. No runaround. Whether you need a quote, a coverage update, or help with a claim, our team responds within one business day, guaranteed. That's the local promise we live by. 

Real People Who Treat You Like a Neighbor

Every policy comes with a real agent who knows your name, picks up the phone, and actually cares about your situation. Because in Murrells Inlet, we're not just your insurance agency, we're your neighbors.

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Comparison Table

A Clearer Way to Compare Insurance Coverage

Hear It From the Locals Who Trust Us

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Insurance Insights You Can Actually Use

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SR-22 insurance in South Carolina: requirements, costs and how to file

By LW Short Insurance Agency • July 8, 2026
SR-22 insurance in South Carolina is required for 3 years after a DUI or serious violation. Here's what it costs, how to file, and how to find the cheapest SR-22 rate in SC.
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BOP insurance for Myrtle Beach small businesses: is a business owner's policy right for you?

By LW Short Insurance Agency • July 7, 2026
A BOP bundles general liability and commercial property into one policy, typically cheaper than buying separately. Here's what it covers for Myrtle Beach small businesses and what it costs.
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General liability insurance in South Carolina: a small business guide

By LW Short Insurance Agency • July 6, 2026
General liability insurance in South Carolina starts at $400–$800/year for low-risk businesses. Here's what it covers, who needs it, what it costs, and how it compares to a BOP.

Frequently Asked Questions

South Carolina Insurance Questions Answered

  • What types of insurance does L. W. Short Insurance Agency offer in South Carolina?

    L. W. Short Insurance Agency offers comprehensive personal and commercial insurance including auto, home, flood, business liability, workers' comp, and specialized coverage like SR22, boat, RV, and cyber liability. As an independent agency, we compare rates from over 25 carriers to find you the best coverage at the lowest price.

  • How quickly can I get an insurance quote from L. W. Short Insurance?

    We rush to get you quotes within 24 hours, and same-day coverage is often available. Our South Carolina insurance specialists work quickly to compare plans from multiple carriers and get you covered fast, whether you need home, auto, or business insurance.

  • Does L. W. Short Insurance Agency work with multiple insurance carriers?

    Yes, we're an independent insurance agency working with over 25 top-rated carriers. This means we shop your coverage across multiple providers to find you the best rates and policy options, rather than being limited to one company's products.

  • Do you offer flood insurance in South Carolina?

    Yes, L. W. Short Insurance Agency provides flood insurance for South Carolina homeowners, including coverage for mobile homes, rental properties, and commercial buildings. Flood coverage is essential in many coastal and low-lying areas and isn't included in standard homeowner's policies.

  • Can L. W. Short Insurance help with SR22 insurance in South Carolina?

    Absolutely. We specialize in SR22 insurance for South Carolina drivers who need to file proof of financial responsibility. We'll help you get the required SR22 certificate filed quickly and find you affordable coverage that meets state requirements.

HQ Address

Our Location

Murrells Inlet

Address

11945 Grandhaven Drive, STE H, Murrells Inlet, South Carolina 29576, United States

Business Hours

Mon - Fri : 09:00 am - 05:00 pm

Contact

No obligation · No sales pressure

Ready to Save on South Carolina Insurance?

Prefer to speak with an agent? Give us a call toll-free at (843) 357-7493 and we'll start comparing your rates right away.