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Your parents are getting older. You worry they may not be as skilled behind the wheel like they used to be. In situations like this, many people want to know what to do. And, how do you know when your senior loved one is no longer safe behind the wheel? Your auto insurance provider needs to know this information as well. READ MORE >>

Renter’s insurance refers to an insurance policy designed for the resident of an apartment or of a home that is not owned by the renter. The policy is also referred to as a tenant’s homeowners policy, or HO-4. The policy provides the same type insurance as a homeowners policy but does not insure the building since the named insured does not own the building. READ MORE >>

Every year, plan a meeting with your business insurance agent. Discuss the types of risks your company faces, their changes, and any claims. Then, upgrade your liability insurance. Though not always necessary, an annual review is critical to know what your risks are. READ MORE >>

Each year there are about 2,400 deer/auto collisions in South Carolina. The average collision costs about $2,000 in car repairs.   Close to 50% of deer/vehicle collision occur in the months of October, November, December, and January. This is the mating season for deer. READ MORE >>

Many homeowners are adding smart thermostats to their property. This can be a good addition. It may reduce your home’s heating and cooling costs. Yet, thermostats like this do not always reduce home insurance costs. The details are in the way the thermostat functions. READ MORE >>

Owning a vehicle is a big responsibility. Even if you never take it out onto the road, it tends to be a good decision to maintain proper auto insurance on it. This can help protect your investment. However, the laws on this differ from one state to the next. A vehicle not on the road may not legally have to have coverage. READ MORE >>

Do not let thieves, or other things, spoil your holidays. Here are some precautions you can take. ·         Always make your home appears occupied. Leave lights on, have timers set for lights if you are away for a few days. Leave a car in the driveway. READ MORE >>

Why does your home insurance agent need to know if you have an ill loved one? Most often, they do not need this information. However, they do need to know if the home is vacant. A vacant home is a high risk to insurers. If the home’s owner cannot live there for some time, you may see your insurance drop off. READ MORE >>

Business insurance provides financial protection from losses you cannot control. This includes vandalism to your landscape in many cases. However, there are limitations to how much coverage you have as well as when this type of coverage applies. If you are unsure about any type of incident, contact your agent. READ MORE >>

Home insurance is one of the best tools to help you when accidents happen. But it does not always cover losses related to wear and tear. Your windows need routine care to minimize risks to them over time. And, sometimes, the water damage created by your windows can be significant. READ MORE >>

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