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Rebuilding Your Home After a Hurricane South Carolina – 2012 Imagine how devastating it would be to lose your home in a hurricane. Now imagine not being able to rebuild your home after a hurricane completely because you did not have the correct amount of insurance. Selecting the proper amount of coverage is the single most important

Most insurance policies are designed to cover the following: single individuals traditional married couples traditional family – husband, wife, children relatives sharing the same household However, when two or more unrelated individuals live in the same residence and/or share the use of the same vehicle(s), the coverage situation becomes confused. It’s still common for either

Maintaining Underlying Coverages

Thursday, 26 January 2012 by

Umbrella insurance only works properly when the primary (underlying) coverages are maintained.  In fact, the obligation to make sure proper support remains in place is part of the umbrella insurance contract. It is found in the policy’s “Maintenance of Underlying Coverage” provision. The provision typically refers to the policy’s schedule or declarations where all of

A Stormy Issue

Wednesday, 18 January 2012 by

When the topic of exotic, ideal locations for vacations comes up; island paradises and tropical locales are always popular. The water, the beaches, the warm winds are very attractive conditions. However, they are also the originating locales for tropical storms and hurricanes. The dark side of the tropics is that all of the water and

If you own a home; you’ll want to think about the best way to insure it. One goal is to match your needs to the right company. Some companies like new, high-valued homes while some companies do well with older or historic preservation homes. Others are comfortable with country homes or old farm homes. It

Home Businesses Part Two

Monday, 12 December 2011 by

Many different activities are routinely run out of homes. This discussion reviews aspects of particular operations. See part one for background information on coverage basics as well as the other parts discussing different businesses. Sales Office Usually an HO policy does not offer much protection for business property. In fact, available coverage may be up