Homeowners Insurance
Get a home insurance policy to protect your biggest investment
You Need Home Insurance…it’s the Law.
As a homeowner, you need to purchase insurance to protect your homes and personal property, and it’s required by law. As tenants, you’ll need insurance to protect your furniture and other personal property. Everyone needs protection against liability for accidents that injure other people or damage their property; think dog bites, falling trees, medical bills for visitors, and more.
Compare Deductibles
The deductible is the amount you have to pay out-of-pocket on each claim and applies only to coverage on your house and personal property. We make sure when helping you choose a policy that you are comfortable paying the deductible if you make a claim. Remember, a policy with a $100 deductible will cost more than one with a $250 deductible. Higher deductibles may be available at a reduced price.
We Help You Read Your Policy Carefully
You should be aware that a home insurance policy is a legal contract. It is written so that your rights and responsibilities, as well as those of the insurance company, are clearly stated. When you purchase home insurance, you will receive a policy. We help you understand the details of your policy and make certain you understand its contents. We recommend you keep your policy in a safe place and reach out to South Carolina Insurance Brokers with any questions.
Decide How Much Coverage You Need
The better your coverage, the less you will have to pay out of your own pocket if disaster strikes. It is important to note that the amount of coverage you buy for your house, contents, and personal property will affect your cost.
Basic Coverages Available
Whether you own or rent, there are different packages of home insurance offered to protect your home and belongings. Each package protects against a specified number of events that cause damage to property, such as fire, windstorm, and theft. In addition, each package policy usually contains four additional types of coverage: additional living expenses, medical payments, personal liability, and property damage.
Replacement Cost or Actual Cash Value
You have the option to choose to insure your home and belongings for either replacement cost or actual cash value. Replacement cost is the amount it would take to replace or rebuild your home or repair damages with materials of similar kind and quality, without deducting for depreciation. It is important to insure your home for at least 80% of its replacement value. Actual cash value is the amount it would take to repair or replace damage to your home after depreciation.
We Review Your Home Insurance Needs Every Year
You don’t need to check in with us to make sure you have adequate coverage…we review your policy every year and reach out to you! The addition of a room, new insulation, or remodeling adds value to your home and, therefore, may increase replacement cost. Let South Carolina Insurance Brokers of Greenville, SC do the heavy lifting.
Additional Policy Options
In addition to standard coverage, we also offer specialized coverage based on your needs. Available extended and specialized homeowners insurance options include:
We Help You Find Discounts
Sometimes, carriers offer lower prices for such things as insuring your home and car with the same company, installing deadbolt locks or alarm systems, or replacing the roof. South Carolina Insurance Brokers is here to help you navigate discounts for policies and make sure you get the best rate possible.
Any questions?
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