Session & Coker Insurance Services LLC offers a comprehensive range of personal and commercial insurance products, including auto insurance, homeowners insurance, renters insurance, life insurance, health insurance, business/commercial insurance, and umbrella policies. As an independent agency, we work with multiple top-rated carriers to find coverage that fits your specific needs and budget — not a one-size-fits-all solution. 📍 Visit us at www.ernestsession.com or call our office for a free, no-obligation quote today.

Independent agencies like Session & Coker are not tied to a single insurer. That means we shop multiple carriers on your behalf to find the best combination of coverage, price, and claims service. Captive agents (those who work exclusively for one company) can only offer that company's products. With an independent agent, you get unbiased advice, broader options, and a long-term partner who advocates for you — especially at claim time.

The cost of car insurance in South Carolina varies based on several factors, including your driving record, age, vehicle type, location, and coverage level. On average, South Carolina drivers pay between $130 – $200 per month for full coverage, though rates can be significantly lower with a clean record and the right discounts. South Carolina requires minimum liability coverage of 25/50/25 (bodily injury and property damage). Session & Coker compares rates from multiple carriers to find you the most competitive premium without sacrificing protection. 💡 Get a free auto insurance quote at www.ernestsession.com.

South Carolina law requires all drivers to carry minimum liability insurance of $25,000 per person / $50,000 per accident for bodily injury, and $25,000 for property damage. Uninsured motorist coverage at the same limits is also required. While meeting the minimum keeps you legal, it often isn't enough to fully protect you financially after a serious accident. Session & Coker can help you evaluate whether higher limits or additional coverages — like collision, comprehensive, or an umbrella policy — make sense for your situation.

Yes — life insurance is one of the most important financial tools a family can have. If a primary breadwinner passes away unexpectedly, life insurance provides income replacement, mortgage protection, debt coverage, and funds for children's education. Even a stay-at-home parent provides economic value (childcare, household management) that would need to be replaced. Term life insurance is especially affordable for young, healthy families. Session & Coker helps families find the right type and amount of coverage based on their real financial situation. 🛡️ Protect your family starting from as little as a few dollars per day.

Term life insurance covers you for a set period (10, 20, or 30 years) and pays a death benefit if you pass away during that term. It is straightforward and typically the most affordable option. Whole life insurance (a type of permanent life insurance) covers you for your entire life and also builds cash value over time that you can borrow against. The right choice depends on your goals — whether you need pure income replacement, or want a policy that also functions as a financial asset. Our agents at Session & Coker walk you through both options in plain language.

A standard homeowners insurance policy in South Carolina typically covers your dwelling structure, personal belongings, liability protection, and additional living expenses if your home becomes uninhabitable due to a covered event. Common covered perils include fire, wind, hail, lightning, theft, and vandalism. However, flood damage is NOT covered under a standard homeowners policy — a separate flood insurance policy through NFIP or private carriers is required. Given South Carolina's coastal and storm exposure, Session & Coker strongly recommends reviewing your flood risk as part of any home insurance conversation.

Session & Coker provides a full suite of commercial insurance solutions for small and mid-sized businesses, including:

• General Liability Insurance — protects against third-party bodily injury and property damage claims
• Business Owner's Policy (BOP) — bundles property and liability coverage at a competitive rate
• Workers' Compensation — required for most South Carolina businesses with 4+ employees
• Commercial Auto Insurance — for vehicles used in business operations
• Professional Liability (E&O) — for service-based businesses
• Cyber Liability Insurance — increasingly essential for any business handling customer data 🏢 Protect what you've built. Reach out at www.ernestsession.com.

Yes. Session & Coker helps individuals, families, and self-employed people navigate the health insurance marketplace. We assist with ACA marketplace plans, short-term health insurance, supplemental health coverage, and Medicare supplement (Medigap) plans. Understanding deductibles, premiums, networks, and subsidy eligibility can be overwhelming — our agents break it all down in straightforward terms so you can make a confident decision that fits your health needs and budget.

Bundling — also called a multi-policy discount — is one of the easiest ways to reduce your insurance costs. When you combine two or more policies (such as auto + home, or home + life) with the same carrier through Session & Coker, most insurers reward you with meaningful premium discounts, sometimes 10–25% off. Beyond savings, bundling simplifies your insurance management: one agent, one renewal cycle, and a single point of contact for claims. Ask us about your bundling options during your free consultation at www.ernestsession.com. 💰 Most clients who bundle save an average of $400–$800 per year.