Recent Posts

Choose Your Insurance Carrier Carefully

When consumers purchase goods and services, they want quality. This is why advertisers place commercials and ads highlighting these traits such as – “FORD TOUGH”, CHEVY TRUCK STRONG”, “AJAX STRONGER THAN DIRT”, heck even toilet paper like CHARMIN touts STRONGER BETTER. When people buy they want it to work and last. Except when they buy insurance. They think … More

Water Damage – A Claim Nightmare

Did you know that one of the most damaging claims you can have on a homeowners policy, is also preventable? Water damages to the interior of your home is likely the homeowner insurance claim you will experience. Statistics show that there is almost a 70% chance you will experience some type of water damage claim, large or … More

Insurance and Advertising – What are they really trying to say?

There are a number of insurance carriers who advertise on TV, but what exactly is there real message? After all, these ads cost millions, so they are all looking for a return on investment. Call me a skeptic but here is the formula as I see it, premiums – claims – operating costs = profit. … More

What to Do If You Have A Property Claim

How to maximize your recovery and ensure a smooth claim process: Take photos of the damage Protect your property from further damage – this may entail some temporary repairs Do not allow the disposal of any damaged property until the claim is settled You, the insured, control who can do temp repairs or mitigate cleaning. … More

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

Read More » Comments Off on Question: What is Actual Cash Value vs. Replacement Cost?

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

Read More » Comments Off on Is Your Car a Target for a Thief?

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

Read More » Comments Off on 5 of the Most Common Causes of Electrical Fires

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

Read More » Comments Off on Home Buying Tip: Keeping Insurance Affordable with Wind Mitigation