Seabrook Island, South Carolina

Seabrook Island, South Carolina: Luxury Lowcountry Living

Experience the pinnacle of coastal elegance on Seabrook Island, one of South Carolina’s most exclusive barrier island communities. Just 30 miles from historic Charleston, this private, gated island sanctuary offers discerning homeowners an unparalleled blend of natural beauty, world-class amenities, and sophisticated Southern living.

An Island Apart

Seabrook Island represents the rare opportunity to own property in a pristine coastal enclave where development is forever limited and privacy is paramount. This 2,200-acre private island features just over 1,800 properties, ensuring an uncrowded, serene environment that feels worlds away from everyday life. Whether you’re seeking a primary residence or an exceptional second home, Seabrook delivers the ultimate coastal retreat.

Architectural Excellence Meets Coastal Beauty

Seabrook Island showcases an impressive collection of luxury homes, from oceanfront estates and marsh-view villas to custom golf course residences. Properties range from sophisticated condominiums and elegant townhomes to expansive single-family homes commanding premium locations. Many homes feature stunning architectural design that captures the essence of Lowcountry living—wide porches, soaring ceilings, walls of windows framing breathtaking views, and seamless indoor-outdoor living spaces.

The island’s varied landscapes provide the perfect setting for every lifestyle preference. Wake to sunrise over the Atlantic from your oceanfront home, enjoy sweeping marsh vistas with daily dolphin sightings, or tee off steps from your door on championship golf courses. Each home site takes full advantage of Seabrook’s extraordinary natural setting.

Championship Golf and Beach Club Living

Two championship golf courses designed by legends Robert Trent Jones Sr. and Willard Byrd wind through ancient maritime forests and along tidal marshes. The Crooked Oaks and Ocean Winds courses provide members with exceptional play year-round, their manicured fairways consistently ranked among the Southeast’s finest.

The exclusive Seabrook Island Club offers members access to resort-style amenities including oceanfront pools, a full-service beach club, tennis and pickleball courts, an equestrian center, a fitness center, and exceptional dining venues. The island’s miles of pristine beach remain wonderfully uncrowded, providing the rare luxury of space and tranquility along the Atlantic.

Nature as Neighbor

Seabrook Island’s commitment to environmental preservation means that approximately half the island remains forever wild. Ancient live oaks draped in Spanish moss create natural canopies, while maritime forests shelter an abundance of wildlife. Residents regularly encounter white-tailed deer, loggerhead sea turtles nesting on the beaches, bobcats, and over 200 species of birds.

Tidal creeks perfect for kayaking wind through pristine marshlands, offering intimate encounters with dolphins, herons, and egrets. The island’s natural beauty isn’t just scenery—it’s part of daily life, creating a sense of sanctuary that enhances every moment spent here.

The Charleston Advantage

While Seabrook Island offers complete seclusion and privacy, you’re never far from Charleston’s world-renowned attractions. Historic downtown Charleston, with its award-winning restaurants, high-end shopping, cultural venues, and vibrant arts scene, is just a 45-minute drive. Charleston International Airport provides convenient access for travel, while top-rated medical facilities and services are readily available.

For families, the area offers access to excellent private schools and prestigious educational institutions. The location provides the perfect balance—complete privacy and resort-style living on the island, with Charleston’s sophistication and amenities within easy reach.

Investment in Excellence

Seabrook Island properties represent more than just real estate—they’re an investment in a lifestyle defined by quality, exclusivity, and natural beauty. The island’s limited development and gated access ensure property values remain strong, while the exceptional amenities and pristine environment create a community that appreciates in every sense of the word.

Whether you’re establishing your primary residence, securing a vacation home for your family’s enjoyment, or creating a rental income opportunity through the island’s vacation program, Seabrook offers exceptional value at the luxury level. The combination of location, amenities, natural beauty, and exclusivity is simply unmatched along the South Carolina coast.

Year-Round Paradise

Seabrook Island’s temperate climate means you can enjoy your property throughout the year. Mild winters perfect for golf, glorious spring and fall weather ideal for beach walks and outdoor activities, and summer days made for the ocean create a calendar of endless possibilities. Many owners divide their time between Seabrook and other residences, appreciating the flexibility the island’s exceptional rental program provides when they’re away.

A Legacy of Excellence

Since its careful development began, Seabrook Island has maintained an unwavering commitment to quality, preservation, and creating a community worthy of its extraordinary natural setting. The result is a place where luxury feels effortless, where natural beauty is protected, and where the pace of life allows you to truly savor each day.

Discover why Seabrook Island has become the destination of choice for those who appreciate the finer things in life. Your private coastal sanctuary awaits.

Area Attractions

Seabrook Island Beach

Wide, serene stretches of sandy shoreline that make Seabrook Island a quiet beach destination. Walk the coast, enjoy shelling, watch for dolphins, or relax by the ocean.

Seabrook Island Club

The social hub of the island’s private community offering golf, tennis, social events, and beach club amenities (for members/renters).

Boardwalk 9

Part of Seabrook’s network of boardwalk trails weaving through coastal forests and dunes -- great for exploration and nature photography.

Boardwalk 4

Another scenic boardwalk segment offering immersive outdoor exploration amid Seabrook’s native landscapes.

Boardwalk 5

Part of the island’s coastal trail system. Ideal for calm strolls through trees and towards the beach

Popular Neighborhoods

Ocean Winds

Ocean Winds sits along the Atlantic side of the island and offers the closest proximity to the beach. Homes range from villas to single-family residences, many with ocean views or quick boardwalk access.

Community Profile

Pelican Watch

A quiet, villa-style neighborhood tucked between maritime forest and beach access points. Known for its low-density feel and privacy.

Community Profile

Seabrook Village

Centrally located near the Seabrook Island Club, this area features villas and townhomes close to dining, pools, tennis, and golf.

Community Profile

Crooked Oaks

A gated enclave of larger homes set along tidal marshes and golf course corridors, offering expansive views and more privacy.

Community Profile

Salt Marsh

Marsh-front villas and homes with sweeping Lowcountry views of tidal creeks and wildlife. Elevated construction is common.

Community Profile

Pine Island

One of the island’s more private residential areas, Pine Island features single-family homes surrounded by maritime forest and lagoons.

Community Profile

High Hammock

A collection of villas and homes oriented around golf and lagoon views, with easy access to walking and biking paths.

Community Profile

What types of insurance will I need on Seabrook Island?

Seabrook Island is known for luxury homes, coastal living, and a high percentage of second residences. That combination creates unique insurance needs — including higher property values, extended periods of vacancy, hurricane exposure, and increased liability risks. Below are the core insurance policies most Seabrook Island homeowners should strongly consider.

High-Value Home Insurance

Standard homeowners insurance may fall short for luxury properties. Home insurance for Seabrook Island homes should be designed for higher replacement costs, custom construction, and premium finishes, while also addressing coastal wind and storm risks common in this area.

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Flood & Hurricane Insurance

Flood risk is a major concern on Seabrook Island, even for elevated or newer homes. Flood and hurricane insurance helps protect against storm surge, heavy rainfall, and hurricane-related water damage — exposures that are not covered by standard home insurance policies.

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Dwelling Fire or Secondary Home Insurance

Because many Seabrook Island homes are not primary residences, specialized coverage is often required. Dwelling fire insurance or secondary home policies are designed for seasonal or occasionally occupied homes and can help cover risks associated with extended vacancy.

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Personal Umbrella Insurance

With higher-value assets comes greater liability exposure. Personal umbrella insurance provides additional liability limits above your home and auto policies, helping protect your wealth if you’re faced with a serious lawsuit or claim.

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Auto & Specialty Vehicle Insurance

Many Seabrook Island homeowners keep vehicles on the island or use specialty transportation. Auto insurance should be structured to account for multiple residences, while coverage for golf carts, low-speed vehicles, or other specialty vehicles can also be important within the community.

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Boat & Watercraft Insurance

Boating is a way of life around Seabrook Island. Boat, yacht, and personal watercraft insurance helps protect against physical damage, liability, and on-water risks not covered by homeowners insurance.

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Why local, specialized coverage matters

Seabrook Island homes often require customized insurance solutions that go beyond basic policies. Coastal exposure, luxury construction, secondary occupancy, and significant personal assets all play a role in determining the right coverage. Working with an experienced coastal insurance advisor helps ensure your property — and your lifestyle — are properly protected year-round.

Special Considerations for Seabrook Island Homeowners

Seabrook Island’s barrier island location, private governance, and luxury housing profile introduce insurance considerations that don’t apply in most inland or suburban markets. Elevated construction, flood zone changes, private road access, architectural review requirements, and association guidelines can all impact coverage structure and claims handling. In addition, many homes experience extended periods of vacancy or seasonal occupancy, which can affect eligibility, premiums, and loss response if not properly addressed in advance. Reviewing insurance needs regularly—and before purchasing or renovating a home—helps ensure your coverage keeps pace with both environmental exposure and property value over time.

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Frequently Asked Questions

What types of insurance do homeowners on Seabrook Island typically need?

Most Seabrook Island homeowners need a combination of high-value home insurance, flood insurance, and wind or hurricane coverage. Because many homes are luxury properties or secondary residences, additional policies like dwelling fire insurance and personal umbrella coverage are often recommended.

Is flood insurance required on Seabrook Island?

Flood insurance is often required for homes in higher-risk flood zones, especially if you have a mortgage. Even when it’s not required, flood insurance is strongly recommended due to Seabrook Island’s barrier island location and exposure to storm surge and heavy rainfall.

Does standard homeowners insurance cover hurricanes?

Not fully. Standard home insurance typically covers some wind damage but does not cover flood damage caused by hurricanes. Many Seabrook Island homeowners need separate flood insurance and may also need special wind or named-storm deductibles depending on the policy.

Are Seabrook Island homes more expensive to insure?

Insurance costs can be higher due to coastal exposure, higher home values, and replacement costs. Factors like elevation, construction type, roof age, and storm-mitigation features can significantly affect premiums.

What is high-value home insurance, and why is it important on Seabrook Island?

High-value home insurance is designed for luxury properties with custom construction, premium finishes, and higher rebuilding costs. Many Seabrook Island homes exceed the limits of standard policies, making specialized coverage essential to avoid being underinsured.

Do second homes or vacation homes need different insurance?

Yes. Homes that are not occupied year-round often require dwelling fire or secondary home insurance. These policies account for vacancy risks, seasonal use, and rental exposure that standard homeowners insurance may not cover.

Should Seabrook Island homeowners consider umbrella insurance?

Absolutely. With higher property values, rental activity, and recreational amenities, liability risks are greater. Personal umbrella insurance provides additional liability protection above home and auto policies and helps protect long-term assets.

Is boat or watercraft insurance necessary on Seabrook Island?

Many residents own boats, yachts, or personal watercraft. These are not covered by homeowners insurance. Separate boat or yacht insurance is essential for physical damage, liability, and on-water risks common in coastal environments.

How does renting my Seabrook Island home affect insurance?

If you rent your home short-term or seasonally, you may need landlord or rental dwelling coverage. Rental activity can change your risk profile, and failing to disclose it may lead to coverage gaps.

What factors affect insurance rates most on Seabrook Island?

Key factors include flood zone, elevation certificate details, distance to water, roof age, construction materials, wind mitigation features, and whether the home is primary or secondary. Replacement cost—not market value—also plays a major role.