The Right Coverage.
The Right Price.

An independent agent like Mauldin Insurance Group is not employed by any single insurance company. We represent multiple carriers, which means we can compare options across several insurers to find you the best combination of coverage and price. A captive agent — like a State Farm or Allstate agent — can only offer products from their one company.

No — our services are completely free to you. Insurance carriers pay agents a commission when you purchase a policy. Your premium is the same whether you buy through us or go directly to the carrier. The difference is that we do the shopping and comparison work for you at no charge.

We work with multiple top-rated carriers across auto, home, renters, business, and life insurance. The specific carriers available depend on the type of insurance and your location in South Carolina. Call us at 803-920-8827 and we can tell you exactly which carriers we can shop for your specific situation.

We serve clients across all of South Carolina. While we're based in Lexington and do a lot of business in the Midlands — Lexington, Columbia, Irmo, Chapin, West Columbia — we help clients statewide by phone and video. Distance is no issue and there's no extra cost for clients outside Lexington.

Yes, and bundling is one of the best ways to save. Many carriers offer significant discounts when you combine auto and home insurance, for example. We'll look at your full picture and find the best bundling options available to you.

Auto insurance rates in South Carolina vary based on your driving record, vehicle, age, location, and the coverage levels you choose. South Carolina requires minimum liability coverage of 25/50/25, but most drivers benefit from carrying higher limits plus comprehensive and collision. As an independent agent, we compare rates across multiple carriers to find you the most competitive premium for the coverage you actually need.

A standard homeowners policy covers your dwelling (the structure), other structures on your property, personal belongings, loss of use if your home becomes uninhabitable, personal liability, and medical payments to guests. Important exclusions in South Carolina include flood damage and earthquake damage, which require separate policies. We review your coverage limits every year to make sure you are not underinsured.

Your landlord's insurance policy covers the building — it does not cover your personal belongings, your liability, or your living expenses if the unit becomes uninhabitable. Renters insurance fills that gap and typically costs just $15 to $30 per month. It is one of the most affordable and overlooked types of coverage, and we can often add it to an existing auto policy for a minimal premium increase.

The right business insurance depends on your industry, size, and operations. Most South Carolina businesses start with a Business Owners Policy (BOP), which bundles general liability and commercial property coverage. From there, you may need commercial auto, workers compensation, professional liability, or umbrella coverage depending on your risk exposure. We work with business owners across the Midlands to build the right coverage package.

Your dwelling coverage limit should reflect the cost to rebuild your home from the ground up at today's construction costs — not its market value. Many South Carolina homeowners are significantly underinsured because building costs have risen sharply in recent years. We offer free policy reviews and can help you determine whether your current limits are adequate before you ever need to file a claim.

Liability insurance covers damage and injuries you cause to others in an accident — it is the minimum required by South Carolina law. Full coverage typically adds collision (damage to your own vehicle in an accident) and comprehensive (theft, weather, falling objects, animal strikes). Whether full coverage is worth it depends on your vehicle value, loan status, and financial situation. We help you make that decision based on your specific circumstances.

Switching is easier than most people think. You can change agents or carriers at any time — you are not locked in until renewal. We handle all the paperwork, contact your current carrier on your behalf, and make sure there is no gap in coverage during the transition. Most switches are completed within a few business days. Call us at 803-920-8827 and we will walk you through the process at no cost.