High Value Homeowner's Insurance Specialist

Kiawah South Carolina's

Chubb Personal Insurance Cornerstone Elite Agency Designation

Maury Donnelly & Parr

has been appointed with Chubb since 1924 and is proud to have earned Chubb’s “Cornerstone Agency” designation which is held by approximately 5% of all Chubb appointed agents nationwide. Maury Donnelly & Parr’s Chubb clients benefit from this designation by receiving access to special services reserved only for clients of Chubb’s most successful insurance agencies who demonstrate the highest level of professionalism in the industry.


Builder's Risk Insurance


Property Insurance


Insurance Coverage

Builders Risk Insurance in Kiawah SC

Building your dream home on Kiawah involves several processes before construction begins. Identifying and securing the right home-site on which to build, choosing an architect to design your home, going before the Kiawah Architectural Review Board for design approval and selecting a contractor to build your new home are some of the major tasks along the way.



Will you need insurance while your home is "under construction?"

Yes. If you choose to finance your construction project, your lender will require you to secure what is known as "Builders Risk" insurance. If you do not finance your construction project, you are not required to carry Builders Risk insurance. In practice, however, most folks who are building a new home on Kiawah opt to carry Builders Risk insurance, even if they are not financing, as it’s the prudent thing to do in the same way people who have paid off their mortgage still carry homeowners insurance.

Builders Risk insurance offers protection to the owner, not to the builder as the name may suggest, for damage to the property suffered during the construction period. It may be helpful to think about Builders Risk as "homeowners insurance while you build". Builders Risk Insurance would offer coverage for example, if your home incurred damage related to a storm, which your builder wouldn’t be responsible for, when you are half-way or three-quarters of the way through the construction of the home.

Specific coverage varies from policy to policy, but covered perils usually include damage from fire, wind, hail, lightning, theft of building materials on the site, vandalism etc. Some policies include premises liability coverage and others don’t but premises liability coverage can easily be secured separately if it’s not included in the Builders Risk policy.

If you finance the construction of your new home, your lender will also require you to carry flood coverage during construction. In most cases, your flood policy will be written with a different insurance carrier than your Builders Risk policy.

Most Builders Risk Insurance carriers will require you to pay the first year’s premium at the start of coverage. Almost all policies will renew for the second year, if the home isn’t finished at the end of the first year, and allow the homeowner to cancel the policy at whatever point construction is completed with a pro-rated refund.

The day the Certificate of Occupancy is issued by Charleston County is the day you will cancel your builders risk policy and begin your traditional homeowner’s insurance coverage. You will want to begin working with your insurance agent well before the issuance of the Certificate of Occupancy on your traditional homeowners insurance.

Be sure to utilize the services of an insurance agency that deals with coastal insurance on a regular basis as they will have the expertise and experience necessary to properly design your Builders Risk coverage. An agency specializing in coastal insurance will also have access to the most competitive Builders Risk insurance markets.

NOTE: Flood Insurance is separate coverage from Builder's Risk Insurance

We would love to assist you if you have any questions about Builders Risk insurance or would like to request a quote for your upcoming construction project.

Click here to Contact MDP

Property Insurance in Kiawah SC

Insuring your high-value home on the coast of South Carolina presents a unique set of risks and challenges to consider as you design your coverage. Whether you’re buying a home here for the first time and need a quote or you would like us to review your existing homeowners insurance coverage, you need an experienced insurance advisor that understands coastal insurance and has the resources to provide you with the protection you need. You worked hard to get here and we’ll work hard to protect you while you’re here!

There are 3 Basic

Insurance Policies

to Consider:

  1. Flood Insurance
  2. Excess Flood Insurance
  3. Homeowner's Insurance

"My objective with each client is to offer exceptional personal service while implementing a prudent insurance strategy that is competitively priced."

Robert M. Phelan


Maury Donnelly & Parr


“Be sure to utilize the services of an insurance agency that deals with coastal insurance on a regular basis as they will have the expertise and experience necessary to properly design your coverage.”

Click here to Contact MDP

We Cover It All at Your Kiawah or Seabrook Home.

At Maury Donnelly & Parr, we help our clients insure their most valuable assets. Whether it’s your high-value home on Kiawah or Seabrook Island or your primary residence back home or any other valuable asset you want to protect, we will help you design and implement the appropriate insurance coverage to ensure you’re protected.

Builder's Risk Insurance

High Value

Homeowner's Insurance

FEMA Flood Insurance

& Excess Flood Insurance

Auto Insurance

Rental Property Insurance

Personal Umbrella


Boater's & Yacht Insurance

Collectibles & Valuable Articles Insurance

Specialty Insurance

Looking for some other type of coverage that you don’t see listed? Please ask us about it. More than likely we can offer you any coverage you need.

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Maury Donnelly & Parr offers direct appointments with the most widely recognized and highest rated insurance companies in the industry including Chubb, PURE and AIG.

We're an independent insurance agency, able to offer our clients a selection of quotes from multiple insurance companies, allowing our clients to choose the coverage option that best fits their needs.


Maury Donnelly & Parr also offers access to several surplus lines carriers and specialty insurance markets for those "harder to insure" risks that don’t qualify for the standard insurance markets.

Kiawah SC Office

3690 Bohicket Road

Johns Island SC 29455