Personal Insurance FAQs
Homeowner’s Policy
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Does my homeowners policy automatically cover me if I lose my ring?
No. A standard homeowners policy provides only a minimal amount of coverage for fire and theft, subject to your deductible. Jewelry coverage for loss, breakage, theft, and other risks can be purchased for approximately $10 per $1,000 in coverage, with no deductible.
Does my homeowners policy cover me if my tree falls on my neighbor’s house?
It depends. If the tree is alive and has green leaves, you are not liable. If the tree is dead, your homeowners policy may provide protection if negligence is involved.
Does my homeowners policy include water and sewer backup coverage?
No. Most homeowners insurance companies do not automatically provide this coverage. Some offer it as an endorsement to the homeowners policy. Contact your agent for cost and details.
Does my homeowners policy provide replacement cost coverage in the event of a loss?
Most companies provide replacement cost coverage for qualifying homes. Age, condition, and size are all determining factors. Contact your agent for details.
Does my homeowners policy cover earthquakes?
No. A homeowners policy must be endorsed to provide earthquake coverage. An additional premium applies based on the size and value of your home.
Does my homeowners policy cover flooding?
No. A separate flood policy must be written through your agent to cover flooding and rising water. This policy is separate from your regular insurance policy. A flood elevation certificate may be required before a quote can be provided. You can obtain this certificate through a surveyor.
Does my homeowners policy cover my 4-wheelers, go-carts, and mini-bikes while they are kept at my home?
No. The policy does not cover motorized vehicles on the property unless they are used solely to maintain the premises, such as a lawnmower or tractor. Golf carts may be covered; contact your agent for details.
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Automobile Policy
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Does my automobile policy cover my utility trailer while it is attached to my vehicle?
Yes. Automobile liability coverage extends to the trailer while it is connected to the vehicle. Physical damage to the trailer is not covered unless the trailer has its own coverage.
Does my automobile policy include coverage for glass breakage?
Not automatically. You must have comprehensive coverage to qualify for free glass coverage in South Carolina. This applies to the windshield, back window, and side glass.
What is collision coverage under my automobile policy?
Collision coverage applies when you are involved in an at-fault accident and need your vehicle repaired. Repairs are subject to your deductible.
What does comprehensive coverage mean under my automobile policy?
Comprehensive coverage includes theft, vandalism, wind, hail, fire, flood, and contact with an animal. Vehicle repairs are subject to your deductible.
Does rental reimbursement coverage under my automobile policy cover me if my car breaks down and needs repair?
No. Rental reimbursement applies when your vehicle is involved in an accident, not when it needs repairs due to a mechanical breakdown.
What can make my auto insurance rates increase?
At-fault accidents, moving violations, collision losses, youthful operators, and changes to your address, automobile, or coverage can affect your rates. Insurance companies are particularly concerned with claim frequency.
What does uninsured motorist coverage mean on my auto policy?
Uninsured motorist coverage is mandatory on all auto policies. It protects your vehicle and passengers if you are hit by an uninsured or unknown party. The deductible is $200 by law.
What does underinsured motorist coverage mean on my auto policy?
Underinsured motorist coverage is optional. It provides protection if someone else is at fault in an accident but does not have adequate coverage. The deductible is $200 by law.
Can I purchase towing coverage under my automobile policy?
Yes. The cost is typically minimal. The coverage provides reimbursement up to your policy limit and applies to mechanical breakdowns as well as accidents. Frequent towing claims can affect your automobile rates.
When should I add my teenage son or daughter to my auto policy?
Call our office once your teen obtains a beginner’s permit. The premium will not be adjusted until the operator obtains a restricted license. We need the operator’s full name, date of birth, date licensed, and permit or license number. Discounts may be available, so please discuss them with your agent.
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Claims
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When I have a claim, who should I call?
We suggest calling our office first to discuss the claim and get assistance from our team. If our office is closed, refer to your policy or the linked carrier list for claim contact information.
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