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Your Trusted Insurance Partner in Mt. Pleasant, SC
C. T. Lowndes has been a trusted name in the insurance industry since 1850, dedicated to serving the South Carolina Lowcountry and beyond. Our agency prides itself on offering personalized insurance solutions tailored to meet the unique needs of individuals, families, and businesses. With over 170 years of experience, we combine deep local knowledge with a commitment to community service, ensuring clients receive comprehensive coverage and exceptional support. As an independent agency, we represent multiple insurance carriers, allowing us to provide competitive options and customized policies. Our reputation is built on honesty, integrity, and a steadfast dedication to client satisfaction, reflected in our 300+ five-star reviews.We specialize in personal insurance, business insurance, and employee benefits, addressing risks ranging from flood and cyber liability to high-net-worth protection. Our team of experts works tirelessly to help clients navigate complex insurance decisions, offering guidance on coverage gaps, risk management, and claims resolution. With eight office locations and remote support, we serve clients across South Carolina and 20+ states nationwide. Our legacy of excellence continues through ongoing community involvement and a focus on innovative solutions that adapt to evolving client needs.
Services
Personal Insurance
Business Insurance
Employee Benefits
High Net Worth Insurance
Flood Insurance
Home Insurance
Watercraft Insurance
Umbrella Insurance
Auto Insurance
Coastal Insurance
Highlights and features
- We are an independent agency representing multiple insurance carriers for competitive options.
- Our team has over 170 years of combined experience in the insurance industry.
- We offer customized solutions tailored to unique personal and business needs.
- We maintain a 4.9+ star rating with 300+ verified customer reviews.
- Our local expertise extends to South Carolina's Lowcountry and 20+ states nationwide.
What people say
Fantastic service
Excellent experience
Best in the area
Quick and professional
Thorough and knowledgeable
Services
Personal Insurance
We provide comprehensive personal insurance solutions including home, auto, and flood coverage. Our policies protect against common risks like water damage, valuable possessions loss, and liability claims. Clients benefit from tailored options like umbrella policies and specialized collector car insurance, ensuring complete protection for individuals and families.
Business Insurance
Our business insurance offerings include property, liability, and cyber risk protection for companies of all sizes. We address unique needs like workers' compensation, business interruption, and coastal risks. Clients receive customized risk management strategies to safeguard operations and assets in diverse industries.
Employee Benefits
We design competitive employee benefits packages including health, dental, and life insurance. Our solutions help businesses attract and retain talent while managing costs. We offer disability coverage, critical illness protection, and tailored plans that meet organizational and employee needs.
High Net Worth Insurance
Specialized coverage for high-value assets and unique risks, including luxury homes, valuable collections, and excess liability. We provide personalized policies with higher limits and endorsements to protect affluent clients' lifestyles and investments against complex risks.
Flood Insurance
We offer flood insurance through the National Flood Insurance Program and private carriers. Our experts help clients understand flood risks, secure appropriate coverage, and address policy gaps. This includes protection for primary homes, secondary properties, and coastal real estate.
Questions
What types of insurance do you offer?
We provide personal insurance (home, auto, flood), business insurance (property, liability, cyber), and employee benefits packages.
Why choose an independent agency?
We represent multiple carriers, giving you access to competitive rates and customized coverage options tailored to your needs.
Do you serve areas outside South Carolina?
Yes, we serve clients in 20+ states across the US while maintaining local expertise in South Carolina.
How do I file a claim?
Use our 24/7 client center online or contact your local office directly for immediate claims assistance.
Can I get insurance for valuable possessions?
Yes, we offer personal floaters for jewelry, art, and collectibles with coverage limits matching your asset values.
What sets you apart from other agencies?
With 170+ years of local experience and 300+ five-star reviews, we combine community knowledge with personalized service.
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Reviews (5)
Wendy Horne
Mar 04, 2022
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Bonnie has been so helpful throughout this entire process! She is quick to respond and happy to answer all questions I have as a first time home/insurance buyer. I would recommend her to anyone looking!
Catherine Wilhoit
Feb 08, 2022
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Paulette Klingel is AMAZING! She is so smart about this whole insurance process. She makes buying a home so much easier because you know you are in good hands with her always. We have used her twice now and will continue to in the future. I highly recommend her! Thanks again, Paulette!
Karen Keener
Nov 21, 2021
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Great customer service and speed of response by Bonnie Robinson. I would highly recommend this insurance company to anyone relocating to the low country. We plan to use them and her for our future insurance needs!
Shay Monroe
Mar 21, 2021
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Bonnie Robinson was amazing! She was so responsive and answered our (very many) questions. The rates she gave us were far better than other companies and she was able to work directly with our mortgage lender to make sure our closing happened without any issues. We will definitely be using her for all of our insurance needs. :)
James McMillan
Dec 21, 2020
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Our agent is Bonnie Robinson. She is very responsive, kind, and performs each requested task accurately and expeditiously. CT Lowndes and Bonnie Robinson are true examples of exemplary local professional services. If you need insurance or simply have a question, I recommend CT Lowndes.
