JM Claims Service
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JM Claims Service
Seacoast Insurance has been insuring the families and businesses of Hilton Head, Bluffton and the South Carolina Low Country since 1981. In today's economy, it is very important to minimize costs wherever possible. Insurance is one of your most controllable expenses. Using the concepts of Risk Management in addition to traditional insurance, we can help you maximize needed insurance protection while minimizing your insurance costs.

We represent a number of highly rated insurance companies for all of your personal and commercial insurance including; homeowners insurance, car insurance, condo/renters insurance, flood insurance and business insurance.
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Any driver arrested, citated or convicted for driving under the influence of alcohol or drugs, reckless, careless or negligent driving, &/or had a license suspended, revoked or refused in the last 5 years?
Do you or any household member have mental/physical impairments that affect driving ability?
Does any underlying policy have reduced limits of liability or eliminate coverage for specific exposures, drivers, animals, watercraft, locations, etc?
Any business/professional activities (including farming or daycare) included in primary policies?
Several years ago we changed our insurance to Seacoast Insurance for our homeowner's policies on 3 of our properties.
The staff is great to work with and we were able to save a significant amount of money.
As a mortgage lender, I refer my clients to Seacoast Insurance because I know they will get the best service at a competitive price.
We have lived on Hilton Head since 1983 and have been with Seacoast for the last 10 years.
We were with the same company for 13 years until they abruptly stopped writing policies on Hilton Head.
Because everyone's needs are not the same, it is best to consult your agent to help assess your needs and find the insurance policy that is right for you.
What is Homeowners insurance?
Homeowners insurance provides financial protection against disasters.
A standard policy insures the home itself and the things you keep in it.
Homeowners insurance is a package policy.
This means that it covers both damage to your property and your liability or legal responsibility for any injuries and property damage you or members of your family cause to other people.
What is auto insurance?
Auto insurance protects you against financial loss if you have an accident.
It is a contract between you and the insurance company.
You agree to pay the premium and the insurance company agrees to pay your losses as defined in your policy.
Liability coverage pays for your legal responsibility to others for bodily injury or property damage.
Medical coverage pays for the cost of treating injuries, rehabilitation and sometimes lost wages and funeral expenses.
An auto insurance policy is comprised of six different kinds of coverage.
There's something you should know: Flood losses are not covered by your homeowners insurance policy.
Floodwaters have the power to damage not only your home and sense of security, but also your financial future.
How can you protect your most important investment in case of flooding?
Option 1: Hope that you'll receive Federal disaster relief if a flood hits.
Many people wrongly believe that the U.S. government will take care of all their financial needs if they suffer damage due to flooding.
The truth is that Federal disaster assistance is only available if the President formally declares a disaster.
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