HOME * CONDO * TENANT OCCUPIED * FLOOD * BUILDERS RISK
FOR A GREAT RATE GIVE US A CALL!
803-407-9991 Columbia, SC
843-793-4590 Charleston, SC
843-793-4590 Charleston, SC
MY AGENT
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ASK ABOUT OUR RISK
PROFILE REDUCTION PLAN
What's this?
PROFILE REDUCTION PLAN
What's this?
Coastal Client Links:
FREE Home Inventory
software. (click here)
software. (click here)
SAFETY CONCERNS FOR HOMEOWNERS:
Homeowners insurance shopping tips:
Do: Know your home. Before getting an estimate you should know your homes square footage, age,
roof age, and type of construction.
Don’t: Allow your lender to steer you, handle it for you, or force place insurance on your home. A
home is a big investment, take a few minutes to speak to a professional and identify your specific
risk.
Do: Insure your home to replacement cost value. Buy enough coverage to rebuild your home if the
worst were to happen. Talk to a professional agent and determine how much it would cost to duplicate
the size and style of the home you are currently in. Our agents have a computer program designed to
determine the cost of replacing your home. Better to pay a little more in premiums than a lot more for
a new house.
Don’t: Insure your home based on the loan value or the purchase price.
Do: Know that some carriers add a wind or hurricane damage deductible on top of the standard
deductible to policies for houses in areas prone to such damage. In some places earthquake
deductibles apply. Places that are deemed high risk to wind and hail damage may even exclude it
from the policy all together. Those cases require a separate wind and hail or “hurricane” insurance
policy.
Don’t: I know it’s hard sometimes and we’ve all heard the term insurance poor, but try not to get
frustrated if you live in a high risk area. Our agents are here to help protect your home from risk. If you
chose to live in a high risk area there are unique costs associated with that decision. We try our best
to explain the options available so you can make a sound decision.
Do: Know that NO homeowners insurance policy covers damage from a flood.
Don’t: Think it can’t happen to you.
Do: Buy additional coverage for luxury items like furs, jewelry and artwork or home-based business
equipment like computers and tools. Your regular policy may not cover the cost to replace these items
in the event of loss.
Don’t: Ever hesitate to give us a call with any questions you may have. Before filing a claim give us
a call and let us know what’s going on so we can be there to help if the need arises.
Do: Know your home. Before getting an estimate you should know your homes square footage, age,
roof age, and type of construction.
Don’t: Allow your lender to steer you, handle it for you, or force place insurance on your home. A
home is a big investment, take a few minutes to speak to a professional and identify your specific
risk.
Do: Insure your home to replacement cost value. Buy enough coverage to rebuild your home if the
worst were to happen. Talk to a professional agent and determine how much it would cost to duplicate
the size and style of the home you are currently in. Our agents have a computer program designed to
determine the cost of replacing your home. Better to pay a little more in premiums than a lot more for
a new house.
Don’t: Insure your home based on the loan value or the purchase price.
Do: Know that some carriers add a wind or hurricane damage deductible on top of the standard
deductible to policies for houses in areas prone to such damage. In some places earthquake
deductibles apply. Places that are deemed high risk to wind and hail damage may even exclude it
from the policy all together. Those cases require a separate wind and hail or “hurricane” insurance
policy.
Don’t: I know it’s hard sometimes and we’ve all heard the term insurance poor, but try not to get
frustrated if you live in a high risk area. Our agents are here to help protect your home from risk. If you
chose to live in a high risk area there are unique costs associated with that decision. We try our best
to explain the options available so you can make a sound decision.
Do: Know that NO homeowners insurance policy covers damage from a flood.
Don’t: Think it can’t happen to you.
Do: Buy additional coverage for luxury items like furs, jewelry and artwork or home-based business
equipment like computers and tools. Your regular policy may not cover the cost to replace these items
in the event of loss.
Don’t: Ever hesitate to give us a call with any questions you may have. Before filing a claim give us
a call and let us know what’s going on so we can be there to help if the need arises.