Underwriting and providing homeowners/condo coverage is an area in which PC&L Agency, Inc. is especially proud. With offices in Charleston, Myrtle Beach, and Hilton Head we are experts in coastal insurance needs and have developed the needed relationships with insurers to meet the demand.
PC&L Agency WRITES WIND COVERAGE for houses in the SC Wind Pool Zones. Property is covered including wind and hail. Flood and Excess Flood are available.
PC&L Agency is the most competitive homeowner's insurance agency in the Charleston, Hilton Head, and Myrtle Beach areas. We compete every day against State Farm, AllState, Nationwide, Farm Bureau, USAA, Travelers, Hartford, Lloyds of London, and others — while maintaining or expanding coverage at a much lower price.
Dwelling Coverage
Homes are insured on a replacement cost basis — the cost to rebuild, not the market value of the home.
Contents & Personal Belongings
Also insured on a replacement cost basis. Unlike the SC Wind & Hail pool which only covers contents on an actual cash value basis.
Loss of Use
Provides funds for additional living expenses (motel, dining, laundry) if a covered loss makes your home temporarily uninhabitable.
Guest Medical Payments
A no-fault coverage that pays for medical expenses of guests injured on your property.
Liability Coverage
Protects you from claims alleging damage as a result of homeowner negligence.
Why Not the SC Wind & Hail Pool?
Wind and hail insurance through the SC Wind & Hail Association pool actually has three separate deductibles — on the dwelling, on contents, and a time/elimination period. PC&L prefers to write wind and hail with a carrier that combines coverage with the basic homeowners policy, allowing much lower pricing and much better coverage than the pool can offer.