Local Hilton Head Island, South Carolina insurance coverage that fits your family & business needs, with a team that knows your name.
Home, wind, and flood insurance in Hilton Head Island, South Carolina
Hilton Head Island is a resort island in the Lowcountry, known for its beaches, golf, and gated communities such as Sea Pines.
Hurricanes and storm surge
Hurricane Matthew (2016) brought surge and wind to the island. Most policies carry a separate hurricane deductible, and some homes need wind coverage from the state's wind pool. We shop homeowners coverage and quote flood insurance.
Vacation rentals and second homes
Many homes are rented out or used seasonally. We write landlord policies and high-value home coverage.
Boats and golf carts
We write boat insurance and umbrella coverage, and insure restaurants and resort businesses.
Your insurance team for Hilton Head Island, South Carolina
We work with Hilton Head Island households and business owners, and also serve nearby Bluffton, Hardeeville, Beaufort, and Okatie, along with communities across South Carolina.
Bundle home, auto & umbrella.
Bundling opens up more carriers, more coverage options, and better rates. We’ll stack every discount you qualify for.
On the road (and the water)
Daily drivers, weekend toys, and everything with a motor or a sail.
Under your roof
Owners, renters, landlords, and the place you’re still building.
Everything else that matters
The people, pets, and treasures you’d never want to replace.
Protection for every side of your business.
Every business is different. We partner with you to build a clear insurance and risk plan that lowers risk, manages cost, and lets you move ahead with confidence.
General Liability
Covers injuries on your premises and business activities that damage someone else’s property. Same-day coverage available.
Learn more
Business Owners Policy
An affordable way to bundle general liability and commercial property insurance into one policy.
Learn more
Commercial Auto
Covers vehicles used for business, like delivery trucks or service vans, including accident liability and physical damage.
Learn more
Workers’ Compensation
Required by law in most states. Covers medical bills, lost wages, and rehab costs for on-the-job injuries.
Learn more
Cyber Liability
Helps pay data breach costs, including legal fees, customer notifications, and credit monitoring for anyone affected.
Learn more
Professional Liability
Also called E&O. Covers claims from professional errors, negligence, or malpractice.
Learn more
Commercial Property
Protects your building, inventory, furniture, equipment, and fixtures from fire, theft, vandalism, and natural disasters.
Learn more
Builders Risk
Protects structures under construction from fire, theft, and vandalism, plus on-site materials, equipment, and supplies.
Learn more
Don’t see your business? Tell us what you do.
Elye exists to safeguard your family or business with proactive, strategic insurance planning, not just annual renewals.
Michael Urbano · Founder, Elye Insurance
Your trusted insurance advisor in Hilton Head Island, South Carolina providing insurance solutions for every stage of life.
Insurance services offered by Elye Insurance in Hilton Head Island, South Carolina.