When choosing insurance coverage and policies, the premium is a very important deciding factor. The premium is obviously what you pay annually for your insurance policy. However, another important deciding factor (that we hope to never have to use) is…
Let’s face it: Auto insurance can seem complicated. Most states require you to have at least some coverage (typically a certain amount of liability), but then there’s a whole slew of other coverages to consider, too – bodily injury, comprehensive,…
Charleston, South Carolina is well-known for its historic homes and rich history. Owning one of these historic home gems is a goal for many and a reality for a select few. If you are considering purchasing a historic home in…
Insurance consumers in Charleston and Mount Pleasant are always looking for ways to save on their personal lines insurance costs. Some of these ways are smart; some, not so much. Many Charleston and Mount Pleasant insurance consumers request reductions in the…
Question: Is there a waiting period for my flood insurance policy? Answer: Most likely. Typically, there’s a 30-day waiting period from date of purchase before your policy goes into effect. Here are the only exceptions: If flood insurance is being…
With the recent flooding occurring all over the Lowcountry this weekend we would like to provide valuable information on filing a flood claim and understanding the process. To file a flood claim, be sure to have your flood policy in…
It happens every year. From June through December we are inundated with information about tropical disturbances, depressions, and storms that may or may not turn into hurricanes. We hear these terms each and every year, but do you know what they…
Many people get personal injury and personal liability confused. After all we constantly see law firm commercials advocating for personal injury claims but what they really mean is personal liability claims. Confused yet??? Let’s start out with the definition of…
If you had a house fire and your home was destroyed could you list all your belongings in every room? What about placing a value on these items? Do you even have adequate coverage on your insurance policy for these…
One factor in determining the premium of a personal auto policy has nothing to do with a person’s driving record—it’s your credit record. According to FICO, a software firm that measures consumer credit risk, approximately 95 percent of insurers…