Knowing the local market allows us to help you protect one of your biggest investments whether it is a primary residence, seasonal home or rental property.


Flood is America’s #1 disaster and in the Low Country it is important to cover this risk that is excluded from the basic homeowner’s policy.

Condo and Renter’s Coverages

Where does your responsibility begin and end? Correctly evaluating your needs means asking the right questions.

Auto, Boat, RV, Umbrella

Shopping the market for top rated carriers saves you time. We take you through the options and maximize available discounts.

Classic Cars, Jewelry, Artwork

Basic coverage is not enough when you have valuable collectibles. We work with specialized carriers for the extra coverage needed.

Health Insurance

Medicare Supplements, Medicare Advantage, Part D drug coverage, individual health, dental and vision plans are available for your basic healthcare needs.

Life, Disability, Long-term Care and Critical Illness

Be prepared for the unexpected with coverage that can provide funds when it is most needed.

Retirement Income

For many retirees, social security is not enough. We have competitive retirement products to provide lifetime income or a safe guaranteed return.

Estate Planning

Funding an estate plan so that assets are transferred efficiently and as intended requires a thoughtful process. We can help you design a plan.

Business Insurance

Managing the specialized risks of business owners, we start with a comprehensive review. Commercial Property, Commercial Auto, Comprehensive Liability, Worker’s Comp, and Building and Business Equipment are all evaluated. Many small businesses can cover most of their risks with Business Owner’s Policy or BOP that combines, property, liability and more in a single policy.

Errors and Omissions

Professional liability coverage for the services you provide.

Business Continuity and Employee Benefits

Do you have key employees? Do you have partners, a buy/sell agreement or a business continuity plan? We can help design life and disability insurance coverage to protect the value of your business, retain key employees and provide deferred compensation.

Finding the insurance that is right for you. Since 1996, Callen Insurance has been providing high-quality services to residents in the Hilton Head Island area.

Callen Insurance Services, LLC – Full Service, independent advice for protecting your property, life, health and wealth. As independent agents, we pride ourselves on getting you the right product and the right company for your insurance needs. Our broad portfolio of insurance carriers afford options to provide tailored solutions for our clients’ needs and the unique aspects of our coastal community.

Insurance Carriers


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