At HFC Insurance in Lancaster, SC, we believe insurance should feel personal—not confusing. For over 30 years, our agency has provided home insurance, auto insurance, Medicare plans, health insurance, employee benefits, and commercial insurance with one simple promise: we treat our clients like friends, not numbers.
Whether you’re a family looking to protect your home and car, a retiree navigating Medicare, or a business owner searching for better employee benefits, we bring clarity, compassion, and expertise every step of the way.
We’re not a 1-800 number. We’re your local, independent insurance agency in Lancaster, SC, proudly serving families and businesses across Lancaster, Indian Land, Heath Springs, Van Wyck, Buford, Chester, and surrounding communities.
When you call us, we call back the same day—guaranteed. That’s our Sundown Promise. Because waiting days for answers is not an option when it comes to protecting your family, your employees, or your business.
Online quotes may show numbers, but they don’t tell the whole story. Our insurance consultations uncover the gaps online tools miss—making sure you’re never underinsured, overpaying, or left guessing.
We combine old-school personal service with modern solutions. From our Sundown Promise (same-day callbacks) to our Client & Employee Concierge Services, we make sure you never have to call a 1-800 number or feel lost in the insurance process.
We specialize in home insurance, auto insurance, Medicare, health insurance, commercial insurance, and employee benefits for businesses across NC & SC.
Lancaster is our hometown and where our roots run deep, but we also proudly serve Indian Land, Heath Springs, Buford, Van Wyck, Chester, and surrounding communities in both North and South Carolina.
It means we’re not tied to one insurance company. We shop multiple carriers to find you the best combination of price, coverage, and service—always putting your needs first.
Our Client Concierge Service takes the stress out of insurance. From billing questions to claims support, we handle the calls and paperwork so you don’t have to. One call to us, and we take it from there.
We go beyond offering benefits packages. Our Employee Concierge Service helps your employees actually understand and use their benefits—saving HR time and helping your business attract and retain great people.
Our Sundown Promise is our commitment that if you call us today, you’ll hear back from us before the sun goes down. Simple, personal, and dependable.
Both! We protect families with home, auto, health, and Medicare insurance, and we also help business owners with commercial insurance and employee benefits.
Yes. Online quotes often miss important coverage details. We sit down with you, explain your options in plain language, and make sure you’re not underinsured or overpaying.
Your family’s protection starts here. We specialize in:
We help employers attract and retain top talent by designing custom employee benefits plans that balance cost control with employee satisfaction. Our signature Employee Concierge Service takes the burden off HR by answering employees’ questions directly, so you don’t have to.
From HVAC and plumbing contractors to local shops and professional services, we provide business insurance solutions that safeguard what you’ve worked hard to build.
We don’t just sell policies—we teach you what your coverage means. When you understand your insurance, you can make smarter decisions that protect your future.
Insurance isn’t just business—it’s personal. Our clients often tell us that working with HFC feels like working with a trusted friend who always has their back.
As an independent insurance agency, we’re not tied to one carrier. That means we shop top insurance companies on your behalf to secure the best coverage and price.
We’re proud to be Lancaster’s trusted insurance agency, serving:
Wherever you live or work, our team is here to protect your home, car, health, and business.
