While we have been lucky to avoid a direct impact from Hurricane Irma, there is much to be prepared for tomorrow especially between the hours of 10am and 3pm. A 4 to 6 foot storm surge is expected in our area coming at a time of an unusually high tide. Couple that with the rainfall […]

The Aftermath

In the event of damage to your property, please click the link below that outlines the steps to take. Please also check our previous post for a easy to navigate list of our personal lines carriers and their claims numbers. We are happy to take your claims when we return to the office, but with the abundance […]


Dear Valued Clients: In the event of a major hurricane and mandatory evacuation, our agents will also be seeking shelter from the storm with their families and loved ones. Below is a list of the direct phone numbers for our most popular personal lines insurance carriers. The carrier’s claim number can also be found on […]

Our Mission is Clear

Our mission is clear: McKay Insurance is committed to prompt service for their clients, to preserve their most valued assets in times of need; educating, protecting and guiding thoughtful, responsible adults to control exposure to risk. They provide full explanations and answer all questions while delivering outstanding policy value. Be confident that the professional that […]

Market Value vs. Replacement Cost

The most common answer from clients when discussing the amount to insure their home for is “Well, I bought it for _______”. Market value has little if anything to do with the amount to insure your home. It is an indication of value when buying and selling, but not an indication of the rebuilding cost […]

Are You Missing Out on Substantial Wind Mitigation Credits on your Homeowners Policy?

Are You Missing Out on Substantial Wind Mitigation Credits on your Homeowners Policy? Living in the Coastal Territories of Charleston County, insureds should always be aware of possible ways to reduce their homeowners insurance premiums. A large percentage of the annual premium for a homeowners insurance policy that is inclusive of windstorm and hail coverage […]

Mid-Year Home Sales Continue To Rise

Thinking of selling your home? Real Estate Agent, Stephanie Toole with the Matt O’Neill Real Estate Team, sent us the latest market information for home sales in the Lowcountry! Check out her article below. _________________________________________________________________________________________________________________________________________________________ Midyear Sales Continue to Rise Stephanie Toole with Matt O’Neill Real Estate Team CHARLESTON, SC—(July 10, 2014) According to preliminary […]

How Will a Hurricane Impact Charleston?

The past few hurricane seasons have left some of us complacent. We have been lucky to dodge bullets in the past years, but what impact will a hurricane have on our area? A wonderful article was published in the Post and Courier on  Wednesday, March 5 of 2008. Tony Bartelme wrote the following article outlining […]

Buying an Older Home? You may need a 4-Point Inspection, but what is it?

Many companies in the Coastal Market are requiring a favorable 4-Point Inspection be submitted on homes older than 30-40 years on average. Without this 4-Point Inspection these companies (that typically have lower rates) will not even look at the home to quote! So, WHAT IS A 4-POINT INSPECTION? A 4-Point Inspection is an inspection done […]

Earthquakes in South Carolina – Should I have Coverage?

In the process of buying a homeowners policy whether you are shopping on renewal or purchasing a new home, you are probably asked the question “Are you interested in earthquake coverage?”. Some may give it some thought, but ultimately decide that this is a risk they are willing to take living in the Low Country. […]