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.
Vehicle Insurance
Property Insurance
Personal Insurance
Insurance coverage for your business.
No business is the same, but many companies share common risks. These key commercial insurance policies can help protect your business from common accidents, lawsuits, and damages.
Builders Risk
Covers buildings and structures under construction, providing protection against damage from fire, theft, vandalism, and certain weather events. It includes coverage for materials, equipment, and supplies on-site, in transit, or stored off-site, ensuring your construction project is safeguarded until completion.
Garage Keepers
Protects businesses against damage or theft of customers’ vehicles while in their care, custody, or control. This includes coverage for vehicles during service, repair, storage, or parking. It offers protection against fire, vandalism, collision, and theft, ensuring financial security for automotive businesses such as repair shops, body shops, and parking services.
We go beyond writing policies.
Established by Michael Urbano in 2010, Elye Insurance has belonged to the Mission Viejo community for more than two decades, guiding families, homeowners, and local businesses to the right protection for every stage of life.
We do more than sell policies; we build relationships. Our team takes time to learn your needs, your goals, and your story, so we can design insurance solutions that give you true peace of mind.
"Elye Insurance exists to safeguard your family or business with proactive, strategic insurance planning, not just annual renewals."
Since 2010, we’ve committed ourselves to protecting families & businesses with tailored insurance solutions grounded in honesty, education, and care.
Michael Urbano
Founder, Elye Insurance
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.
