Insurance for Shaw AFB families.
PCSing to Shaw means a new state with new insurance rules. We handle the South Carolina switch, cover your home wherever you land, and shop carriers that offer military discounts. Our office is about 15 minutes from the main gate, and we work with active duty and retired alike.
From in-processing to retirement, one local agency.
We have helped Shaw families arrive, deploy, PCS out, and retire here. Each stage has an insurance side, and we know all of them.
The South Carolina switch
Once you settle in, your tags and auto insurance need to move to South Carolina, and the coverage rules here differ from the state you left. One call and we handle it.
Renters insurance
On base or off, your belongings are yours to protect. Renters coverage is inexpensive and takes minutes to set up.
Buying a home here
Dalzell, Sumter, Rembert, or anywhere in between: homeowners coverage shopped across 40+ carriers, timed to your closing.
Deployment adjustments
Deploying? We review your policies with you and reduce coverage where it makes sense, so you are not paying full price on a car that sits.
PCSing out, keeping the house
Renting out your Sumter home when you leave requires a landlord policy, not a homeowners policy. Selling? We keep the right coverage in place until closing.
Retiring in Sumter
Plenty of Shaw families make Sumter home for good. When Medicare questions start, we sit down with you, unrushed, and compare every option.
What arriving Shaw families should know.
The number one thing we explain to new arrivals: every state writes its own insurance rules, and the policy that satisfied your last duty station may not satisfy South Carolina. SC requires 25/50/25 liability limits plus uninsured motorist coverage that cannot be waived, which many states do not require. You get a short grace period after arriving, but once you are settled, your tags and auto insurance need to switch to South Carolina. We make that a single phone call, and several of the carriers we work with offer military discounts.
Most Shaw families land in Dalzell, with plenty more in Sumter and Rembert. Whether you are in base housing or renting off base, renters insurance is one of the cheapest policies you will ever carry and it protects everything you just unpacked. Buying instead? We shop homeowners coverage across 40+ carriers and time it to your closing date.
The Shaw relationship does not end at PCS time. If you keep your home here and rent it out, we convert your coverage to a landlord policy, because a homeowners policy on a rental can leave you uncovered at claim time. If the house goes up for sale, we make sure it stays properly covered until closing. And when deployment orders come, call us: we review your coverage and trim what makes sense while you are gone.
- SC auto switch handled in one call, with military discounts shopped
- Renters and homeowners quotes for Dalzell, Sumter, and Rembert
- Deployment coverage reviews so you never pay for what you do not need
- Landlord conversions when you PCS out and rent your home
A local office, not a 1-800 number
We are on Broad Street in Sumter, about 15 minutes from the Shaw main gate. Walk in, call, or text, and talk to the same people every time.
Start my SC switchThree steps. About 60 seconds to start.
Tell us about you
Send the form above or call or text 803-848-0089. No SSN required to get started.
We shop the market
We run your details across every relevant carrier we represent and bring you the strongest fits, side by side.
You pick. We bind it.
Most policies bind same-day. Then we re-shop your rate every year and help with claims when you need us.
Proudly serving Sumter, Columbia, Manning, Camden, Florence, Bishopville, Lugoff, Hartsville, Lexington, Greenville, Spartanburg, Myrtle Beach, and Charleston, plus all 46 South Carolina counties. See our full service area →
Shaw AFB insurance questions, answered
Do I have to switch my auto insurance when I PCS to Shaw AFB?
Once you settle in, yes: South Carolina gives new arrivals a short grace period, and after that your tags and auto insurance need to move to South Carolina. Some active-duty members have home-state options, and we will tell you straight what applies to your situation. Either way, the switch takes one call.
How is South Carolina auto insurance different from other states?
South Carolina requires 25/50/25 liability limits plus uninsured motorist coverage at the same limits, which cannot be waived. Many states do not require uninsured motorist coverage at all, so your SC policy may look different from what you carried before. We walk through the differences so nothing surprises you.
Do you offer military discounts?
Several of the carriers we work with offer military discounts, and as an independent agency we shop your rate across all of them rather than quoting just one company. Active duty and retired both qualify with most carriers.
What should I do about insurance when I deploy?
Call or text us before you go. We review your policies and reduce coverage where it makes sense, like a vehicle that will sit unused, while keeping anything your lender requires in place. When you are back, one call restores everything.
We're PCSing away but keeping our house near Shaw. What changes?
If you rent it out, you need a landlord policy: a homeowners policy on a rental property can leave you without coverage at claim time. If you are selling, we keep proper coverage in place until closing. We handle both conversions all the time for departing Shaw families.
Do you work with retired military?
All the time. A lot of retired military clients chose to make Sumter home, and we handle their auto, home, life, and Medicare. When you turn 65, we sit down with you, compare every Medicare option, and check that your doctors are in network, with no rush and no pressure.
One agency for your whole picture.
A real office, with real people in it.
261 Broad St, Suite A5
We're on Broad Street in Sumter, a few minutes from downtown and Swan Lake Iris Gardens, and about 15 minutes from the Shaw AFB main gate. Walk-ins welcome.
5.0 stars, 100+ reviews
Our neighbors say it better than we can. Read what Sumter families and business owners think of working with us, or add your own.
Call or text 803-848-0089
Mon – Thu: 9:00 AM – 5:00 PM
Friday: 9:00 AM – 3:00 PM
Sat – Sun: Closed
Based in Sumter and licensed across South Carolina. We serve Sumter, Manning, Camden, Bishopville, Lugoff, Columbia, Florence, and every county in between.