HFC Insurance is an insurance agency located in Lancaster SC. It’s a place where you know a lot of people and still see the friends you went to high school with. It’s great to be able to open my insurance agency in Lancaster SC and serve the community of my hometown.
Insurance Agency in Lancaster SC
Insurance Made Easy.
You Relax While We Take Care of The Rest.
Are you looking for affordable insurance near Lancaster SC? HFC Insurance is your local source for the best insurance rates for home and car insurance, health insurance, Medicare supplements or Medicare Advantage plans. Do you live in the northern part in the county and looking for an insurance agency in Indian Land SC?
DON’T DO THIS ALONE. WE SERVE OUR CLIENTS AND BRING CLARITY TO INSURANCE
- Insurance is Complicated. We Provide Clarity
- You Don’t Know What You Don’t Know
- Never Purchase Insurance Online or a Place You Can’t Stop By
- Price is Not Always the First Thing to Look For
- Filing a Claim is the Worst Time to Find Out You’re Not Covered Properly
- Get Insurance Guidance from a Local Professional
- When Calling a Call Center, You Never Talk to the Same Person Twice
- We Build Personal Relationships Which is Polar Opposite to Calling a 1-800 Number. Experience our Client Concierge Service
- Using an Independent Agent Means You Have Choice!
Lancaster SC Insurance FAQ's
1. Does homeowners insurance in Lancaster, SC cover flood damage?
No. Standard homeowners insurance in Lancaster covers storm damage like wind and hail but excludes flooding caused by rising water, heavy rain, or overflowing creeks. You need a separate flood insurance policy to be fully protected.
2. What’s the minimum car insurance required in Lancaster, SC?
South Carolina’s minimum car insurance is: $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $25,000 for property damage. While legal, this is often not enough to cover the real costs of accidents on busy roads like Hwy 9 or Hwy 521.
3. Can Lancaster seniors get help choosing a Medicare plan?
Yes. Many Lancaster seniors find Medicare confusing, especially when comparing Advantage and Supplement plans. At HFC Insurance, we provide one-on-one Medicare guidance so you understand your drug coverage, doctor networks, and costs before you enroll.
4. How much does flood insurance cost in Lancaster, SC?
Flood insurance costs vary depending on your home’s location and risk zone. Even if you’re not in a high-risk area, policies can be very affordable—sometimes under $500 a year. It’s smart protection given how costly even minor flooding can be.
5. Why should I use a local insurance agency in Lancaster instead of buying online?
Buying insurance online may seem convenient, but it often leaves gaps in coverage. A local agency like HFC Insurance knows Lancaster-specific risks (like Hwy 9 accidents or creek flooding) and offers personal support—so you never have to call a 1-800 number when you need help.
Our Contract to You
Expertise
We aim to continue to learn as insurance continually changes. We will answer your questions and provide you with guidance and advice on the best insurance options for your unique needs.
Accessibility
We will be easily reached and readily available to answer all your questions and concerns. We are a responsive agency who is available by phone, text, email, or in person.
Trustworthiness
We will be honest, transparent, and trustworthy. We will be upfront about costs and coverage, and who will advocate for you if you need to file a claim.
Good communication skills
We will communicate clearly and effectively and will explain complex insurance concepts in a way that is easy to understand.
Customer service
People want an insurance agent who provides excellent customer service and who is willing to go above and beyond to meet their needs. This we will do. We will be responsive, friendly, and helpful, and provide prompt assistance when you need it.
Competitive pricing
We will offer competitive pricing on insurance policies and will recommend policies whose rates are reasonable and affordable. If we can’t find a better policy at the same price or cheaper than you are paying, we will tell you.
Local Communities We Serve
Moving to Lancaster SC?
History of Lancaster SC
History is alive and well in Lancaster, South Carolina, the Red Rose City.
Established in the mid 1700’s by Scots-Irish and English settlers from the region of the famous House of Lancaster, this area was viewed as a “Garden of Eden.” Over the years, the area has hosted two wars on its soil and has nurtured several famous native sons, among them Andrew Jackson, seventh President of the United States; William R. Davie, founder of the University of North Carolina; Stephen D. Miller, South Carolina’s twenty-fifth governor; Dr. J. Marion Sims, the father of modern gynecology; Elliott White Springs, textile industrialist; Nina Mae McKinney, actress and Broadway star; Charles Duke, astronaut and moon-walker; and Jim Hodges, 114th governor of South Carolina. Both the City of Lancaster and Lancaster County are filled with many historical sites dating back to pre-Revolution times. Continue here to read additional historical information about Lancaster County.
Click this link if you are looking to attend some local events in Lancaster SC.