Recent Posts

Question: What is Actual Cash Value vs. Replacement Cost?

what is replacement cost small

Answer: Actual Cash Value is a method of valuation that recognizes the reduction of value of property as it gets older and becomes subject to wear and tear. Actual Cash Value is calculated by taking the current replacement cost and subtracting depreciation. Replacement cost is the cost to replace damaged property with like kind and … More

Is Your Car a Target for a Thief?

Tips for preventing car thieves

Based on recent news, luxury autos are still a hot target for car theives. With all the technology made available to everyone and their brother, smart thieves have found ways to outsmart even the best anti-theft technology for even the most luxurious models. Why are theives still targeting the higher value vehicles? Well, because they … More

5 of the Most Common Causes of Electrical Fires

common causes of electrical fires

Due to the excessive use of heating appliances and decorative lights during the months of December and January, electrical fires are very serious problems. In fact, the US Fire Administration states that there are 28,600 electrical fires a year, causing $1.1 billion in property damage and loss. Here are 5 ways to prevent electrical fires not only … More

Home Buying Tip: Keeping Insurance Affordable with Wind Mitigation

what is wind mitigation

Home buying is less than overwhelming – but we are here to help, at least when it has to do with South Carolina home insurance. If you are searching for a home and looking to keep your insurance premium affordable we have a suggestion: before purchasing a home, determine if the home has any construction enhancements which … More

6 Items NOT included on most Homeowners Insurance Policies


We know that insurance is hard to understand, even the word itself a mouthful. That is why we try to make things a little easier. Below are 6 things that are not included on most South Carolina Insurance Policies: 1. FLOODING :  Flood is not covered by your homeowner’s policy. You must have a separate … More

Affordable Care Act Leads to Alternative Group Health Plans

Category: Our Blog
healthcare seminar blog

The complexity of the new health care laws and their increasing cost potential have many employers looking for a better way to purchase their health insurance. The Covenant Services Group, Atlanta Georgia has designed a program which provides greater latitude for employers in designing their coverage. Covenant Services will be providing seminars in Savannah, Georgia … More

Guest Blog: Ken Gort Talks Emergency Permitting on Hilton Head Island; Part II

Gort Architect

Click Here to Read Part I Here are a few examples of how I have helped over 100 of your island neighbors in securing their Emergency Permit and protecting their properties: Fresh Market Shoppes on Wm. Hilton Parkway: The EP allows them to reconstruct 45 parking spaces currently located in the buffer that extends 50′ into the property from the … More

Ken’s Interview with SouthCarolinaHomes: What Influences Your Home Insurance Policy?

Ken at desk

South Carolina Homes reached out to us requesting an interview to discuss what concepts influence your South Carolina home insurance policy. Check out Ken’s quick interview here: Check out my interview, What Influences Your Home Insurance Policy on South Carolina Homes For Sale, one of the top sites for South Carolina real estate, including Johns … More