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.
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.
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.
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.
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.
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.
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.
In addition to standard coverage, we also offer specialized coverage based on your needs. Available extended and specialized homeowners insurance options include:
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.
I greatly appreciate when my agent shops around for the best deal for me. I genuinely feel they have my best interests in mind. I really like it when I can speak to an actual human not just some automated system and recap my coverage once a year.
The quotes and savings they found for me are amazing. The return calls are prompt. The insurance broker makes everything easy to understand. When I changed policy carriers the broker also made it easy and not stressful. I love you SCIB!!!!!
Unfortunately I had water damage in my home and I felt that the staff did an outstanding job and were also sympathetic to the fact I just had my home ruined. Attention was very prompt and respectful!
You reach out to ME when it’s time for a review. It’s easy to talk to someone when I have questions. You do the insurance comparisons for me so I don’t have to contact everyone about rate.
You are always looking out for our best interest as home owners. You make sure we are well covered. Thank you to you and your staff.