Most agencies sell one company's policy and move on. We don't work for any carrier, we work for you. As an independent agency serving Goose Creek, Charleston, Summerville, and Moncks Corner since 2013, we shop home insurance, auto insurance, and business insurance across many carriers to find the right fit. One call. Real options. No pressure.
How It Works
Most agencies sell you one company's policy and call it a day. We do the opposite. Here's how we shop home, auto, flood, and business insurance across multiple carriers for families and businesses across Goose Creek, Charleston, and the Lowcountry.
A 5-minute phone call or a quick online form is all it takes. Tell us about your home insurance needs, auto insurance, business coverage, or any combination. We listen first, ask the right questions, and go to work finding your best options.
Captive agents are locked into one company's products. We're not. We shop across Progressive, GEICO, Nationwide, and other carriers, comparing rates and coverage side by side to find what actually fits your life and your budget.
Choose the policy that fits your needs and budget. We handle all the paperwork, get your coverage bound — often same day — and stay with you for every renewal, claim, and question that comes up down the road.
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Families & Businesses Served
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Insurance Carriers We Shop for You
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Years of Combined Industry Experience
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Years Serving the Lowcountry
Coverage Options
Home insurance, auto insurance, flood coverage, boat insurance, life insurance, business insurance: we shop every line across multiple carriers for homeowners, drivers, and businesses in Goose Creek, Charleston, and the Lowcountry. Independent means we work for you, not a company.
Liability, full coverage, collision, comprehensive, and uninsured motorist coverage for drivers across Goose Creek, Charleston, and Moncks Corner. We shop your policy across carriers to help find competitive rates and coverage options that fit your needs and budget.
Explore Auto Coverageabout Auto InsuranceDwelling coverage, wind and hail, flood, personal property, and liability options for homeowners in Goose Creek, Charleston, Summerville, and Moncks Corner. We work with carriers who know the Lowcountry market and understand the risks coastal and inland South Carolina homes actually face. Subject to policy terms and availability.
Explore Home Coverageabout Home InsuranceGeneral liability, commercial property, workers' comp, inland marine, you name it! We build business insurance programs tailored to how your company actually operates, not a template. We serve small businesses and growing companies across the Goose Creek and Charleston area.
Explore Business Coverageabout Business InsuranceTerm life, whole life, or universal life insurance, the right policy depends on your family's goals, your income, and who depends on you. We help Goose Creek and Charleston families understand their life insurance options and find coverage that fits their situation, not a one-size-fits-all plan.
Explore Life Coverageabout Life InsuranceFrom the Cooper River and Lake Moultrie to the Charleston Harbor and coastal waters, South Carolina boaters face risks that standard policies may not cover. We shop boat insurance options for watercraft of all kinds: fishing boats, pontoons, jet skis, and trailers across carriers familiar with Lowcountry waterways. Coverage subject to policy terms and availability.
Explore Boat Coverageabout Boat InsuranceFrom contractors and tradespeople in Goose Creek to delivery fleets operating across the Charleston metro, commercial auto insurance requirements vary by business type, vehicle use, and number of drivers. We shop commercial vehicle insurance across multiple carriers to help find coverage options that may protect your vehicles, your drivers, and your business, without overpaying.
Explore Commercial Autoabout Commercial AutoTrusted by Your Neighbors
“I’ve been their client for 20+ years. I’ve been shown nothing but kindness, respect and care. They are experts in their craft. They treat everyone as family and not as a name or policy number on the client list!! I personally consider Cheri and her team as family! Much love and appreciation today and always!!”
Donna Pinckney
“I have been working with Cameron for over 2 years. I have my home insurance and car insurances with the company and the team is GREAT but Cameron is EXCEPTIONAL! If I need ANYTHING from the insurance, if I have a question, if there is something that he can help me with, he will help! I am more than greatful to have found Cheri Nelson Insurance Agency!”
Anakarla Gomez
It takes less than 5 minutes to request a quote. We'll do the shopping, you make the decision.
After the Sale
When you have a question, need a certificate, or have to file a claim, you won't get a call center. You'll get us, the same people who set up your policy in the first place. Office hours: Mon–Thu 10am–5pm · Fri 10am–1pm. After-hours claims? Your carrier has you covered.
When something goes wrong, you need someone in your corner. We guide you through every step of the claims process — from first call to final resolution.
Start a Claimabout File a ClaimPay your premium online or set up autopay. Not sure which portal your carrier uses? Call us and we'll walk you through it in two minutes.
Make a Paymentabout Make a PaymentNeed proof of insurance for a job, a lender, or a landlord? We turn around certificates of insurance fast, usually the same day.
Request Certificateabout Request a CertificateNew car? New address? New addition to the family? Life changes, and your coverage should change with it. Let us know and we'll adjust your policy.
Update My Policyabout Update Your PolicyEvery conversation starts with listening, not selling. Tell us what's on your mind, and we'll help you figure out the right coverage. No pressure, no obligation.
Owning or leasing commercial space in the Lowcountry comes with risks that inland businesses rarely face. This guide covers what commercial property coverage may include and why the coastal angle matters.
Workers comp in South Carolina involves specific requirements, classification codes, and cost factors that vary by industry. This guide covers what small business owners may need to know.
General liability and professional liability cover very different types of claims. This guide explains the difference, who needs each, and why some SC businesses may need both.
South Carolina contractors face specific insurance requirements tied to licensing, job site safety, and contract compliance. This guide covers what coverage you may need and what the state may require.
Restaurants in the Charleston area face a unique mix of risks. This guide covers the types of insurance that may help protect your restaurant, bar, food truck, or catering business in the Lowcountry.
Running a small business in the Charleston area comes with unique risks. This guide covers the types of commercial insurance that may help protect your business, your employees, and your bottom line.
