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About Our Agency

C. T. Lowndes & Company offers insurance options.

South Carolina’s trusted insurance agency for over 170 years.

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Your family, your business, and your possessions are all important to you, but you may not know how to best protect them. We have the experience to navigate the unique risks you face, serving as your insurance advisor.

South Carolina’s oldest insurance agency.

C. T. Lowndes & Company is a local Lowcountry South Carolina insurance agency founded in Charleston, SC by Charles Tidyman Lowndes in 1850. We are the oldest fire insurance agency in the southeast and are proud to continue serving the community with the same motivation and care as we were initially founded upon.

Over 170 years of growth and development.

C. T. Lowndes & Company is a family-owned and operated agency and has always been owned by a member of the Lowndes family. We have eight locations throughout Lowcountry and the South Carolina coastline and serve over 20 states. Our team consists of over 20 knowledgeable and experienced advisors that offer their guidance to help you select the coverage that you feel meets your individual needs.

The insurance agency of choice.

Since the agency first offered fire insurance for South Carolina National Bank mortgages in the mid-19th century, we have grown to service over 100 customizable solutions. We are proud to offer personal insurance with a focus on high net worth insurance, flood insurance, home insurance, watercraft insurance, and a broad range of business insurance and employee benefits solutions that are designed to meet your needs.


years in business


convenient locations


dedicated advisors
Our Vision

We strive to continue being the insurance agency of choice that builds customer relationships through honesty, integrity, and outstanding service.

Why Go Independent?Our History
About Our Agency - View of a Horse Drawn Carriage Ride in the Historical Downtown Area of Charleston, South Carolina

Get Started Today

As an independent agency, we are here to help you find the right coverage.

Get a Quote

The Advantage of an Independent Agency Working for You

What makes our independent agency different?

  • Personalized insurance solutions.
  • Friendly, knowledgeable service.
  • Building trusted relationships.
Find Out How

Get the power of choice when it comes to purchasing insurance for your situation. We offer a wide variety of policies and price points to choose from.


Rely on us to simplify the insurance process, from advising you on your risks and solutions, to advocating on your behalf to the insurance company.


Count on us to offer our assistance every step of the way with personable service.

Veteran-Owned Business

We are a proud veteran-owned business that works to support veterans within the community. A number of our current employees are veterans and many others have close family that have served or continue to serve our country.

Our History

Community-Focused Business

C. T. Lowndes & Company has partnered with many organizations to serve our community and support those in need. Our company and employees are regularly active in donating and volunteering to support these great causes.

Community Outreach

Contact One of Our

Eight Office Locations

Mt. Pleasant, SC
Charleston, SC
Summerville, SC
Walterboro, SC
Moncks Corner, SC
Edisto Island, SC
Myrtle Beach, SC

You can also reach our remote office in Beaufort, SC. Give our agent a call at 843-518-2792, email, or mail correspondence to P.O. Box 982, Beaufort, SC, 29901.

Contact Us

  Request an Insurance Quote

As an independent agency, we are here to help you find the right coverage.

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  • Please note completion of any request(s) for information does not constitute the purchase of insurance. No coverage may be added, changed or bound as a result of submitting a request for information or quotation of insurance. All coverage must be confirmed by the agency in writing subject to an acceptable signed application meeting the underwriting guidelines of the Insurance Company.
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Get a Quote

It only takes a minute to get started.

  • Fill out the form, we’ll be in touch.
  • Go over your options with an agent.
  • Get the coverage you need.

Would you rather discuss this in person? Get in touch with an agent today!