earthquake and flood insurance

Earthquake and Flood Insurance: Do You need It? Most people would be surprised to know that a typical homeowners insurance policy does NOT cover earthquakes and floods. This leaves the question…should I get earthquake and flood insurance? They are two separate things…so let’s break it all down, and hopefully from there you can feel better… Continue reading earthquake and flood insurance

5 Things you should know about Renters Insurance

Facts about Renters Insurance 5 Things You Should Know About Renters Insurance What is renters Insurance? Why do I need this type of Insurance? What exactly does it cover? How much does an average Renters policy cost? Is this Insurance different than Homeowners Insurance? These are all very important questions to ask when you are… Continue reading 5 Things you should know about Renters Insurance

Insurance Agent Vs Broker

Insurance Agent Vs Broker Insurance Agent Vs Broker: The Difference in a Nutshell What is the difference between an Insurance Agent and a Broker? Both are insurance specialists who sell Property and Casualty Insurance helping the insured purchase insurance coverage from the Insurer (Insurance company). An Agent(or captive agent) works for one single insurance company,… Continue reading Insurance Agent Vs Broker

What is a Double Deductible?

Questions Answered What is a Double Deductible? In short, a double deductible means you will pay your deductible twice, if you are subject to it. So, we have heard of ‘regular’ deductibles, now what is a Double Deductible in regards to your Auto Insurance policy? First, lets dive into the basics of full coverage and… Continue reading What is a Double Deductible?

Minimum Car Insurance Guide

Minimum Car Insurance Guide Quick Guide to State Minimum Car Insurance Requirements If you are curious for a more in depth look at why it’s important to know about auto insurance requirements for the state you live in…we have your answers here. In summary, most States require different liability limits and coverages than others. Some… Continue reading Minimum Car Insurance Guide

South Carolina Motorcycle Insurance Requirements | Your 2021 Guide

South Carolina Motorcycle Insurance Requirements South Carolina is known for its shoreline of subtropical beaches and marsh-like sea islands. The abundance of natural beauty is a motorcyclist’s paradise.  So whether you are passing through the Palmetto State on two wheels or you have just taken up residence, here are some things you should know. The… Continue reading South Carolina Motorcycle Insurance Requirements | Your 2021 Guide

Understanding RCV and ACV Insurance: (Replacement Cost vs Actual Cost Value)

Understanding RCV and ACV Insurance As if understanding homeowners insurance wasn’t hard enough, you also have to know the difference between actual cash value (ACV) and replacement cost value (RCV).   However, it is imperative that you know these terms and their differences because it could mean the difference between a little money and a lot… Continue reading Understanding RCV and ACV Insurance: (Replacement Cost vs Actual Cost Value)

Hail Damage 4 Things To Remember When Dealing With Hail Damage [Auto Insurance Guide]

4 Things To Remember When Dealing With Hail Damage Ah, hail, those little-iced devil’s that range in size from a pebble to softball with the ability to reduce a beautiful car to a sad dimpled shell of its former glory.  If you are lucky, you may get through the storm with just a few noticeable… Continue reading Hail Damage 4 Things To Remember When Dealing With Hail Damage [Auto Insurance Guide]