C. T. Lowndes & Company – Insuring South Carolina Since 1850

Personal Insurance

Reliable guidance and insurance options to assist you in safeguarding what is most important.

Business Insurance

Insurance and risk mitigation solutions for businesses of every size.

Employee Benefits

Attract, keep, and support your team with a high-quality benefits package.

C. T. Lowndes & Company

Over 170 years of service, helping to protect our local community.

Since 1850, we have been providing high-quality insurance options and we take pride in being one of the most respected enterprises in the Lowcountry region of South Carolina. In order to assist in safeguarding our customers and fellow residents, we provide exceptional assistance, worth, and expertise as a company dedicated to enhancing the welfare of the nearby community.

We believe in giving you options, so you can select the insurance policy that fits your needs. Here at Lowndes T. C. At Company, we’re here to prove to you that Insurance is not a one-size-fits-all scenario. We invite you to feel secure with a local agency that cares.

We Are Autonomous Regarding Our Agency.

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As an independent agency, we are here to help you purchase the insurance coverage you feel meets your needs.

The Advantage of an Independent Agency Working for You

What makes our independent agency different?

We act on behalf of various insurance firms.

Assisting you in safeguarding what is most important.

We provide a diverse range of insurance options.

We Have 300+ Five-Star Google Ratings

Explore top-rated feedback from various destinations and discover the reasons you should consider making the transition.

“I’m new to the Lowcountry and a new South Carolina resident. Paula helped me every step of the way navigating through auto, renters, and flood insurance policies! She was thorough, and I felt comfortable asking questions.”

Anna A.

“We have had our home and auto insurance with C. T. Lowndes for about 20 years and have always had fantastic service. If you are new to Charleston or looking for a solid company to support your insurance needs, I recommend C. T. Lowndes.”

Lynn Seegers

“C. T. Lowndes service and delivery was quick, professional, informative, and an excellent experience overall. These guys are the best in the area; great service and great people!”

Maxwell Krause

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The Insurance Agency of Choice SM

Our collection of videos is designed to help you learn more about how insurance works and the matters that protect our works.

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The Foundation of Our Success

Here’s what sets us apart when it comes to serving our community.

About Our Company.

Community Focused

We contribute to our community and participate in the charitable organizations we endorse.

Excellent Reputation

We have more than 300 Google Reviews rated with five stars.

Customized Solution……………s

We acknowledge that every person has distinct needs. We can help you customize insurance choices that you consider meet your particular demands.

Outstanding Service

With vast expertise, we comprehend the requirements to provide you with superior coverage.

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Contact One of Our

Eight Office Locations

You can contact us at our remote office in Beaufort, South Carolina by sending correspondence to P.O. Box 982 or by calling 843-518-2792.

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Get a glimpse of the risks you face and how your insurance can protect what matters most.

Water Damage.

Risk Factor……………

The most frequent reason for loss to a home is water damage, whether it originates from within your home’s plumbing system or from a flood outside. Damage caused by a flood is not covered by all unendorsed homeowner policies, and losses caused by the backup of sewers and drains are excluded by many policies.


Firstly, it is important to identify cost-effective measures to mitigate the potential harm caused by flooding. It is advisable to consider options such as sewer and drain backup systems, as well as insurance coverage, to safeguard your property and possessions against any form of water-related harm. A thorough and meticulous examination is essential.

Valuable Possessions.

Risk Factor……………

Usually, homeowner insurance policies often have a limit for valuable items like jewelry, fur, artwork, and other collectibles.


Obtain a personal flotation device or make provisions for safeguarding your valuable possessions in order to guarantee that you will have the resources to replace them.

Collector Cars.

Risk Factor……………

Classic or collector vehicles, despite being stored on your property, are typically not adequately covered under your homeowners insurance. To guarantee their protection, special insurance coverage and specific documentation are necessary due to their significant value.


Insure your unique collector cars with a specialized insurance company that understands and focuses on vehicles of classic or collector nature, other than regular cars.

Cybersecurity Insurance.

Risk Factor……………

Malicious software, unauthorized individuals, and various online dangers can potentially compromise the security, financial stability, and reputation of individuals due to the increasing presence of advanced technology in households and the ease of accessing it.


Identity fraud, bodily harm, and digital risk protection may be accessible as a significant additional coverage to your homeowners insurance policy.

Employee Practices Liability Insurance (EPLI) or Workers Compensation insurance is provided to protect workers from workplace injuries or lawsuits.

Risk Factor……………

There are potential dangers involved in hiring household employees within your residence. If employees sustain injuries while working, you may be responsible for covering their medical costs. Additionally, there is a possibility of facing legal action from employees due to wrongful termination, privacy violations, discrimination, or harassment allegations.


When your employees sustain injuries while working, make sure to secure insurance coverage for their medical expenses. Employment practices liability insurance can safeguard you from costly legal expenses related to lawsuits and claims made by both present and former staff members.

Extra Cost of Living.

Risk Factor……………

Incurring extra living expenses is a possibility for accommodation, meals, and other everyday necessities. In the event of significant damage caused by unforeseen circumstances like lightning, fire, or a storm, you might be unable to reside in your house until it is repaired or reconstructed.


Look for coverage that provides higher limits to ensure your living standards and schedule are not compromised. In the event that your home is temporarily uninhabitable and being rebuilt or repaired, this coverage will compensate you for additional living expenses and housing costs incurred.

Additional Liability Protection.

Risk Factor……………

Your family and you are financially responsible for injuries, so they hire a lawyer to represent them after a long legal battle. One of the guests you invite is permanently injured when they dive into the shallow end of the pool during a pool party.


By adding an umbrella policy (or excess liability policy), you can increase the personal liability limits of your current auto, boat, or homeowners insurance policies, providing you with additional peace of mind and separate coverage options for excess liability insurance.


Risk Factor……………

Home rebuilding can often incur costs that exceed initial expectations. It is important to remember that real estate values rarely align with construction and materials costs, which are subject to inflation rates. Therefore, it is crucial to ensure that you have adequate insurance coverage to replace the contents of your home in case of fire or if you were to lose your home. In addition to the significant physical damage, fires can also have a profound emotional impact. Most fires are devastating.


Ensure that your homeowners policy includes coverage for replacement cost without any limit. This will protect you if the cost of rebuilding your home exceeds your current coverage limit. Moreover, make sure your insurance also covers the expenses of rebuilding your home to meet the current building codes. It is important to note that additional costs may be necessary as local ordinances and building codes frequently change over time.

Personal Liability.

Risk Factor……………

In the unfortunate occurrence, if anyone slips and falls on your property, any injuries that occur may make you and your family responsible.


Your homeowners insurance policy includes coverage for personal liability to address situations in which injuries or damages occur to a third party due to your potential negligence. However, it is advisable to think about acquiring an excess liability policy to increase your coverage limits and safeguard your assets in the event of a lawsuit being filed against you.

Flood Coverage.

Risk Factor……………

Could your home be at risk? Your homeowners policy does not cover damage from flooding. With changing weather patterns and increasingly common storms causing flood losses around the globe, places that are not normally prone to flood damage are becoming more susceptible. You do not have to live near a body of water to suffer from flooding-related losses.


You may be able to purchase a flood insurance policy as a separate policy, known as a flood insurance policy, through the National Flood Insurance Program (NFIP), a federal program designated to protect your home and its contents from certain types of flood losses. Additionally, you may be able to purchase excess limits on your homeowners insurance policy to further protect your home.

Vacation Homes / Lease Properties.

Risk Factor……………

Having a second home or rental property has the possibility of amplifying your liability risks.


Make sure to add your secondary residence to an excess liability policy in order to have extra protection for liability limits. Additionally, think about expanding the liability coverage on your homeowners policy to encompass your secondary home. Ensure that you take all necessary precautions.

Travel Insurance.

Risk Factor……………

Exploring new places is thrilling, yet there are hazards linked to every journey. Enhancing the travel adventure always alleviates tension, regardless of whether it’s for business or leisure. The coverage provided by your insurance policies might not be valid if you venture to a different country. Expenses related to criminal activities, accidents, or fatalities during travel are additional factors to take into account.


Various types of travel insurance may offer protection in case of trip interruption or delays, trip cancellation or lost baggage, as well as accidental death and dismemberment coverage that policies also consider to want the remains of repatriation.

Equipment Breakdown.

Risk Factor……………

While your homeowners policy covers a wide array of perils, such as damage caused by a falling tree or fire, it doesn’t cover some common types of problems that can occur to your home or equipment, such as damage from a sudden power surge from the local power plant that might damage your generator, HVAC systems, or appliances.


You can individually add a mechanical breakdown coverage policy to your homeowners’ insurance if you have multiple homes. It does not cover normal wear and tear, but it provides protection against major events while ensuring peace of mind.

Coverage of Special Events.

Risk Factor……………

Planning a private event such as a bat mitzvah, bar mitzvah, or wedding can be quite stressful. One thing you should worry about is the possibility of severe weather causing the event to be postponed. You should also consider the potential risks of losing your deposit if a vendor declares bankruptcy or goes out of business before your event.


It helps if you stay focused on all the things that go into making your event successful, and it’s typically not very expensive. Purchasing insurance coverage for your event can help you avoid going wrong due to factors outside of your control. No matter how carefully you plan, it doesn’t matter.

Mold Coverage.

Risk Factor……………

Insurance companies frequently restrict coverage to mitigate mold that emerges from a protected claim.


Make sure to have a discussion about the coverage options and loss prevention solutions with numerous homeowners who are unaware of this risk or the limitations of their own coverage in order to decrease this risk.

High Net Worth Insurance

Ensure that you address the distinct hazards you encounter with high net worth insurance.

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    As an independent agency, we are here to help you find the right coverage.

    Beyond the Coast

    We offer several convenient locations along the South Carolina coastline while serving 20+ states across the US. Contact a location near you.

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