Business Details
50+ Years
experience
Your Trusted Financial Partner in Lancaster, SC
Williams Finance & Insurance has been a trusted family-owned financial partner since 1959, dedicated to providing personalized solutions for insurance, loans, and tax services. Our team prioritizes client relationships, treating every customer like family while offering expertise in risk management and financial planning. With over five decades of experience serving Lancaster and Kershaw, South Carolina, we combine local knowledge with a commitment to transparency and ethical practices.Our services are tailored to meet individual and business needs, ensuring clients receive comprehensive coverage and financial security. We pride ourselves on being a community-focused institution that values long-term trust and delivers customized support for every client.
Services
Auto Insurance
Homeowners Insurance
Business Insurance
Personal Umbrella Insurance
Motorcycle Insurance
Flood Insurance
Golf Cart Insurance
Modified Auto Insurance
Recreational Vehicle Insurance
Renters Insurance
Details
- Year established: 1959
Highlights and features
- Family-owned and operated since 1959
- Personalized financial solutions tailored to your needs
- Over 50 years of local market expertise
- Comprehensive coverage for insurance, loans, and taxes
- Award-winning customer service with a community focus
What people say
Friendly and helpful staff
Family-owned establishment
Best place for loans
Detailed information provided
Feels like home
Services
Auto Insurance
Auto insurance provides financial protection against accidents, theft, or damage to your vehicle. Policies include liability, collision, and comprehensive coverage options tailored to individual needs. Williams Finance & Insurance helps clients customize policies to ensure adequate protection while complying with South Carolina's legal requirements.
Homeowners Insurance
Homeowners insurance covers property damage, personal belongings, and liability risks. Policies protect against perils like fire, theft, and certain natural disasters. Williams Finance & Insurance assists clients in determining appropriate coverage limits and understanding policy details, including flood insurance add-ons when necessary.
Business Insurance
Business insurance safeguards companies from financial losses due to accidents, lawsuits, or disruptions. Policies cover property damage, liability claims, and workers' compensation requirements. Williams Finance & Insurance offers tailored solutions for South Carolina businesses, ensuring compliance and protection against industry-specific risks.
Personal Umbrella Insurance
Umbrella insurance provides extra liability coverage beyond standard auto or home policies. It protects assets in cases of severe accidents or lawsuits. Williams Finance & Insurance helps clients assess coverage needs based on net worth and risk exposure, offering policies that include legal fee protection.
Motorcycle Insurance
Motorcycle insurance covers accidents, theft, and damage to motorcycles. Policies include liability, collision, and custom parts coverage. Williams Finance & Insurance tailors policies to riding habits in Lancaster, SC, ensuring riders have protection for year-round or seasonal use.
People
Wanda W. Gardner
President
Wanda Gardner co-leads Williams Finance & Insurance with over 30 years of experience in financial services, ensuring client satisfaction and operational excellence.
Angie W. Brewer
Vice President
Angie Brewer oversees daily operations at Williams Finance & Insurance, known for her personalized approach to insurance and loan solutions in Kershaw County.
Raegen Brewer
Account Manager
Raegen Brewer manages client accounts with attention to detail, leveraging local market knowledge to provide tailored financial advice to Lancaster residents.
Chrissti Sammons
Agent/Tax Preparer
Chrissti Sammons specializes in tax preparation and insurance solutions, offering expert guidance to individuals and small businesses in the Kershaw area.
Questions
What insurance policies are required by South Carolina law?
South Carolina mandates liability insurance for auto drivers and workers' compensation for businesses with four+ employees. Homeowners insurance is recommended but not required.
How can I lower my insurance premiums?
Bundling policies, maintaining a good credit score, and choosing higher deductibles may reduce premiums. Williams Financial Services offers personalized cost-saving strategies.
Do you offer insurance for modified vehicles?
Yes, we provide specialized modified auto insurance covering aftermarket parts like custom paint, turbochargers, and suspension upgrades not included in standard policies.
What factors determine home insurance costs?
Home insurance rates depend on property value, location, coverage limits, and risk factors like proximity to flood zones or fire stations.
Can I get a loan with bad credit?
We work with clients to improve creditworthiness and offer loan options tailored to various credit profiles, focusing on long-term financial improvement.
Is flood insurance included in homeowners policies?
No, flood insurance requires a separate policy through the National Flood Insurance Program or private carriers. Williams Financial Services assists with coverage assessments.
