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Underinsured Homes

Monday, 03 March 2014 by

Most homeowners have one thing in common: their single, largest asset is usually their residence. Most homeowners are also aware that, regardless where they live, their home faces the chance that it could be severely damaged or destroyed by a number of causes. In recent years, many homes have been demolished by catastrophic floods, fires

Saving Water Damaged Property

Monday, 24 February 2014 by

Flood: Be Safe, Then Act Quickly Different sources such as salvage experts, property specialists and government agencies advise that quick action is critical when faced with water-damaged property. Many types of personal property can be saved within 48 hours of the property suffering damage. Before trying to save property, make sure that YOU are safe.

Insurance Tips for First Time Home Buyers So you have now purchased your first home. What an exciting time! You probably have some plans on how you want to “make it your own.” In making these plans you should consider the best way to protect your investment. As a first-time home buyer, are you aware

Social Media Liability Part One

Tuesday, 12 February 2013 by

Social Media Liability Part One Your chances of suffering a loss is increasingly affected by the Internet and, particularly, social media. Increasing your awareness of social media liability loss exposures may help you to minimize or avoid them. Social Media Liability refers to claims for libel, slander, harassment, invasions of privacy, violations of intellectual property

Last week a couple of our agents attended the annual convention for insurers of South Carolina and picked up a couple of helpful brochures from the South Carolina Department of Insurance.  Here is some useful information we would like to share with you: Types of Homeowner’s Coverages in South Carolina The following information is not

Homeowners Insurance Lingo It is important to understand your Homeowners Insurance policy and be aware of all the exclusions and limitations it may contain. Knowing the meaning of all the specific terms and definitions will provide insight into your coverage’s ins and outs and make you feel even more protected. Homeowners Insurance(also Home Insurance, Hazard

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

Personal Injury

Friday, 20 January 2012 by

Unlike accidental events that result in a person suffering a serious injury (called Bodily Injury) or property that is damaged or destroyed (called Property Damage); Personal Injury usually involves one person’s alleged interference with another person’s legal rights. It also applies to incidents that damages another person’s reputation. Personal Injury commonly includes the following acts:

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