Free, no-pressure quotes on auto, home, business, life, landlord, and Lake Murray boat insurance — from a local agent who shops every major carrier on your behalf.
Mauldin Insurance Group is an independent insurance agency based in Lexington, South Carolina, serving individuals, families, and business owners across all of South Carolina, North Carolina, and Georgia. Founded in 2021 by Ben and Jennifer Mauldin, the agency is licensed across all three states and represents multiple top-rated insurance carriers, allowing it to compare coverage and pricing rather than sell a single company's products.
Property and casualty (P&C) insurance is a category of coverage that protects you from financial loss in two ways: property insurance covers damage to your physical assets — your home, vehicle, business property, or boat — and casualty insurance protects you from liability if you are legally responsible for injury or damage to another person. Together, P&C insurance forms the foundation of personal and business financial protection in South Carolina.
This guide covers the eight core P&C insurance lines available in South Carolina — auto, homeowners, renters, landlord, business, general liability, commercial auto, and boat insurance — along with how each line works in the SC market, what the state requires, and how an independent agent compares carriers to find the right combination of coverage and price.
P&C Insurance Lines
Definitional summaries of the most important property and casualty lines we write — with the SC-specific context, requirements, and risks that matter when you choose a policy.
Auto insurance protects you financially in the event of an accident, theft, or damage involving your vehicle. South Carolina requires minimum liability coverage of 25/50/25 — $25,000 bodily injury per person, $50,000 per accident, and $25,000 property damage — plus uninsured motorist coverage at the same limits. Most drivers carry higher limits because at-fault accident costs frequently exceed minimum coverage.
Homeowners insurance protects your home, belongings, and personal liability from covered losses such as fire, wind, hail, theft, and lawsuits. SC home insurance premiums have risen 25 to 40 percent since 2022 due to rising rebuild costs and weather-related claim frequency. Two important exclusions to know: standard policies do not cover flood damage or earthquake damage in South Carolina — both require separate policies.
Renters insurance protects tenants from financial loss due to theft, fire, water damage, or liability while renting an apartment, house, or condo. Your landlord's policy covers the building structure but does not cover your belongings or your liability. Renters policies in SC typically cost between $12 and $25 per month for $20,000 to $40,000 of coverage — among the most affordable forms of insurance available.
Landlord insurance — also called a dwelling fire policy or DP-3 — covers non-owner-occupied rental properties owned by South Carolina property investors. Standard homeowners policies are written for owner-occupied properties and may be voided the moment you rent your home to a tenant. A landlord policy specifically covers the dwelling, liability for tenant injuries, and loss of rental income during covered claims.
Business insurance protects South Carolina companies from financial loss due to liability claims, property damage, lawsuits, and operational disruptions. Most SC small businesses start with a Business Owners Policy (BOP), which bundles general liability with commercial property coverage at a lower combined cost than buying each separately. Industries with higher exposure — contractors, restaurants, professional services — often need additional specialty coverages.
General liability insurance protects South Carolina businesses from third-party claims involving bodily injury, property damage, and personal injury such as libel, slander, or copyright infringement. It also covers legal defense costs even when claims are unfounded. General liability is one of the most essential coverages for any SC business and is typically a requirement for commercial leases, contractor licenses, and many vendor contracts.
Commercial auto insurance covers vehicles used for business purposes in South Carolina, including delivery vehicles, service trucks, contractor fleets, and any vehicle titled in a business name. Personal auto policies typically exclude business use beyond commuting — meaning a denied claim if you're driving on the job. SC commercial auto follows the same 25/50/25 minimums as personal auto, but most fleets carry significantly higher limits.
Boat insurance protects watercraft against physical damage, liability for accidents, and theft. South Carolina does not legally require boat insurance, but most Lake Murray marinas require liability coverage for slip rental — and Lake Murray is one of the most heavily trafficked recreational lakes in the Southeast on summer weekends. Modern boat replacement costs frequently exceed $30,000, and an at-fault accident without coverage can result in personal liability for tens of thousands of dollars.
SC Market Snapshot
A quick reference on the SC-specific rules, market conditions, and risks that shape every policy we write.
State law requires $25K bodily injury per person, $50K per accident, $25K property damage — plus matching uninsured motorist.
SC home insurance premiums have risen 25–40% since 2022 due to rising rebuild costs, weather losses, and reinsurance pressure.
SC businesses with 4 or more employees must carry workers' compensation insurance, with limited exceptions.
Standard SC homeowners policies do not include flood. Flood insurance must be purchased separately via NFIP or private flood markets.
Most SC carriers offer 10–25% multi-policy discounts when you combine auto and home insurance with the same insurer.
Mauldin Insurance Group is licensed across South Carolina, North Carolina, and Georgia — relocations and out-of-state owners welcome.
What We Cover
We shop multiple top-rated carriers to find you the best coverage at the best price — for every stage of life.
Liability, collision, comprehensive, and more. We compare rates so you get the best deal on car insurance in South Carolina.
Learn More →Protect your biggest investment. We find homeowners coverage that fits your home, your budget, and your peace of mind.
Learn More →Local homeowners insurance built for Lexington. Lake Murray flood risk, rising rebuild costs, and aging roofs — we know this market.
Lexington Guide →Just moved to the Midlands? We help new residents get all their home, auto, and life insurance set up correctly from day one.
New Resident Guide →SC home insurance rates up 25–40% since 2022. We shop 10+ carriers to find you a better rate — often same day.
Shop & Save →Your landlord's policy doesn't cover your stuff. Renters insurance is affordable and more important than most people realize.
Learn More →Protect your livelihood. From general liability to commercial auto, we help South Carolina business owners stay covered.
Learn More →Own a rental property in SC? Your homeowners policy won't cover it. Get the right landlord coverage for your investment.
Landlord Guide →Renting on Airbnb or VRBO? Your HO policy won't cover it. Get proper short-term rental coverage for your SC property.
STR Guide →Working from home in SC? Your HO policy caps business equipment at $2,500. We close the gap affordably.
Learn More →Term, whole, and universal life options. We help you find the right policy to protect your family's financial future.
Learn More →Pontoon boats, jet skis, ski boats — we specialize in Lake Murray and SC watercraft coverage from a local agent who knows the lake.
Lake Murray Guide →Own a waterfront home on Lake Murray? Docks, boat lifts, flood risk — standard policies miss key coverage. We fill the gaps.
Waterfront Guide →Turning 65 or already on Medicare? Visit our dedicated Medicare site to explore Advantage, Supplement, and Part D plans.
Visit Medicare Site →Our Approach
We are an independent, locally-owned insurance agency in Lexington, SC. Our loyalty is to you — not to any single carrier — and we are licensed across SC, NC, and GA.
We compare rates and coverage across multiple top-rated carriers so you get the best value without spending hours calling around.
We give you honest advice and clear options. You decide. Our job is to make sure you understand what you're buying.
We live and work in the Midlands. When you call, you reach a real local person — not a national call center.
We review your coverage at renewal, notify you of rate changes, and help you through the claims process when you need it most.
Licensed Insurance Agent — Lexington, SC
I'm Ben Mauldin, a licensed independent insurance agent based right here in Lexington, SC. As part of Mauldin Insurance Group, I help families and businesses across South Carolina, North Carolina, and Georgia find the right coverage at the right price.
My approach is simple — I listen to what you need, shop the market honestly, and give you straightforward advice with zero pressure.
Common Questions
Common questions about property and casualty insurance, working with an independent insurance agent, and SC market specifics.
Insurance Guides
In-depth articles from Ben Mauldin covering auto, home, landlord, and life insurance for South Carolina families and businesses.
Coverage types, local risk factors, and what Lexington homeowners need to know about rebuild costs.
Read the guide →Six specific reasons SC rates have surged — and actionable steps to lower your premium today.
Read the guide →The 10 factors every SC insurer uses to calculate your premium — and which ones you can control.
Read the guide →Your HO policy doesn't cover rental activity. Here's what SC landlords actually need.
Read the guide →A complete guide for Lake Murray boaters — coverage types, costs, and what most policies miss.
Read the guide →Just moved to the Midlands? Every coverage need for new Lexington residents in one place.
Read the guide →Call us, text us, email us, or request a free quote online. No pressure — just honest advice from a local Lexington agent.
Ben Mauldin | 803-920-8827 | ben@mauldininsurancegroup.com