Moving to Spartanburg SC? Are you buying a new house or your first car? Not sure where to start looking for insurance or what you need? We can help. Don’t worry, while it could seem like a cumbersome task, getting auto & home insurance in Spartanburg is as easy as a click of the mouse. But before you start that online quote, here are few basics to keep in mind when it comes to purchasing home and auto insurance.
Home Insurance for Spartanburg Residents
Many people often think of homeowners insurance as a home warranty. They believe that it covers anything and everything that goes wrong in your house. However, that’s not the case. For example, a home warranty may provide coverage if your air conditioner malfunctions, on the flip side an insurance policy may cover a loss if it stops working due to damage from a lightning strike or theft. Think of insurance for the big stuff, a new roof, a blown down fence, fire damage. That’s the type of losses insurance will cover.
There are basic coverage’s that all homeowner insurance companies will cover. The name of the policy or product may be different based on the company, but what they include coverage for are virtually the same. The biggest thing to keep in mind, is what state you currently live in. Do you currently live in Oklahoma? Oregon? Colorado?
The basic homeowner’s policy known as an HO-1 will cover the structure and depending on the policy it may cover your belongings from the following perils or cause of loss:
- Fire or smoke
- Hail and windstorms
- Riots and civil commotion
- Damage from vehicles
- Damage from aircraft
- Volcanic eruption
If you want a bit more than the basic coverage an HO-1 provided the HO-2 will protect your home and belongings from these added perils:
- Falling objects
- The weight of ice, snow, or sleet
- Freezing of household systems like AC or heating
- The sudden and accidental tearing apart, cracking, burning, or bulging of pipes and other household systems
- Overflow or accidental discharge or overflow of water or steam
- The sudden and accidental damage from artificially generated electrical current
Do you live in Spartanburg, the roads are unbelievable!
From the immense growth that Spartanburg county has seen and the fact that road construction cannot keep up, Drivers are facing several challenges each and every time they turn the wheel.
Motorist simply value their vehicles.
Statically speaking, the average driver spends about 22.6 minutes in their car/truck that means
having the right insurance coverage emphasizes everything in the world for vehicle owners. To Think, you could absolutely be paying unbelievably high rates and not even know it. Yet worse, you may spending money on high rates and not even have the appropriate coverage for you and you’re family. Scary right? In fact, most people don’t even know what type of insurance coverage’s they have! Having the right information in front of you can be cannot only make the difference in you r wallet but also making sure you and you’re family have the right protection.
A Plus Insurance is dedicated to serving you and our Spartanburg community.
As an Insurance broker we value the time we spend with you, getting to know you and your family, so we can tailor fit insurance coverage’s for your family needs. After all we drive the same roads as you do so we know getting the right insurance quotes is the upmost importance. We work with multiple carriers such as Progressive, Travelers, The General, Dairyland and more. We take pride in educating you and our neighbors to make best decision as regards to purchasing Auto, Motorcycle, Home, and Boat. We have been serving the community for 20 years and we are excited for the years to come.
Call anyone of our agent to get your insurance quote today. We will be happy to see if A plus Insurance can fit you and your family like a glove. (864) 318-9060
There are even more robust policies out there like the most common type of homeowners policy an HO-3, or the H0-5 that will provide the above coverage’s plus some extras. Of course we have you covered across the state of South Carolina!
While the state doesn’t require homeowners insurance, most lenders will request that you carry as a loan requirement, and even if you don’t have a lender, you should consider carrying a homeowners policy to protect your investment in the event of a catastrophic loss.
Auto Insurance for South Carolina Drivers
In South Carolina, it is required that you maintain the minimum liability coverage: $25,000 for bodily injury or death per person, $50,000 total for bodily injury or death per accident and $25,000 for property damage. These are relatively low limits, so it’s important to note that if you cause damage above your listed policy limits, you may have to pay for the overage out of pocket. Some other coverage’s you can add to your auto insurance in Spartanburg include:
Collision coverage: Pays for accident-related damages to your car.
Comprehensive coverage: Provides coverage for damage to your car caused by external factors like weather, theft, or wildlife.
Medical payments coverage: Provides coverage for any medical expenses if they exceed the limits of other coverage.
Rental reimbursement coverage: Provides coverage a rental car if you need one after an accident.
Towing and labor coverage: Provides coverage for towing and some repair costs.
Tips for Lowering Your Home and Auto Insurance Rates
- Bundle Home, Auto or even Motorcycle Insurance, companies often give big discounts for putting more than one policy with them.
- Pay your bills on time. Your credit rating can affect your home and auto insurance rates.
- Shop around. We make it simple for you to get multiple rates from one online quote.
- Consider higher deductibles. High deductibles can reduce your monthly premiums.
- Be sure to ask if there are any other discounts you may qualify for or that the carrier has may have.